Overall, Globe Life demonstrates a solid business model supported by consistent premium growth and strong agent recruitment. However, challenges in specific segments and regulatory uncertainties present risks to future performance. The company appears well-positioned for growth in 2025, but ongoing monitoring of market conditions and operational efficiencies will be crucial.
Analysis Date: February 6, 2025 Last Updated: May 29, 2025
+109%
+7.7% per year
Past performance does not guarantee future results. The data presented is indicative and may not be updated in real-time.
CountryUS
ExchangeNYSE
IndustryInsurance - Life
SectorFinancial Services
Market Cap$9.33B
CEOMr. Frank Martin Svoboda
Globe Life Inc. is a company that helps people protect their families' finances by offering life insurance and health insurance products. They provide different types of life insurance that pay money to your loved ones if you pass away, and they also offer health insurance for things like accidents and serious illnesses. Additionally, Globe Life sells annuities, which are a way to save money for the future. Basically, their goal is to help middle-income families feel secure about unexpected events.
Streams of revenue
Life Segment:70%
Health Segment:30%
Geographic Distribution
United States:100%
Estimations for reference only
Core Products
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Life InsuranceLife coverage plans
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Health InsuranceHealth coverage
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Accident InsuranceAccident protection
Business Type
Business to Consumer
Competitive Advantages
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Graham Value Metrics
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Trailing Twelve Months (TTM) values provide a view of the company's performance over the last year.
Income Statement Flow
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Profitability metrics measure a company's ability to generate earnings relative to its revenue, operating costs, and other relevant metrics. Higher values generally indicate better performance.
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GL Stock Analysis: Globe Life Inc. Investment Guide
GL (Globe Life Inc.) is a Financial Services company listed on New York Stock Exchange. The stock has generated 7.7% annual returns with an overall investment score of None/100.
Overall, Globe Life demonstrates a solid business model supported by consistent premium growth and strong agent recruitment. However, challenges in specific segments and regulatory uncertainties present risks to future performance. The company appears well-positioned for growth in 2025, but ongoing monitoring of market conditions and operational efficiencies will be crucial.
GL Key Financial Metrics
GL financial analysis includes comprehensive valuation ratios, profitability metrics, and financial health indicators. The company has a valuation score of 8.75/100 with financial health rated 4.0/100.
About Globe Life Inc.
Globe Life Inc. is a company that helps people protect their families' finances by offering life insurance and health insurance products. They provide different types of life insurance that pay money to your loved ones if you pass away, and they also offer health insurance for things like accidents and serious illnesses. Additionally, Globe Life sells annuities, which are a way to save money for the future. Basically, their goal is to help middle-income families feel secure about unexpected events.
GL Investment Recommendation
Based on our comprehensive analysis of GL, investors should consider the company's positive performance track record, earnings consistency (8/10 quarters beat expectations), and current valuation metrics when making investment decisions.
Financial Services Sector Analysis
GL operates in the Insurance - Life industry within the Financial Services sector. This analysis compares Globe Life Inc. performance against industry and sector benchmarks to provide context for investment decisions.
Frequently Asked Questions about GL Stock
Is GL a good investment?
GL (Globe Life Inc.) has generated 7.7% annual returns with an overall score of None/100. Overall, Globe Life demonstrates a solid business model supported by consistent premium growth and strong agent recruitment. However, challenges in specific segments and regulatory uncertainties present risks to future performance. … Investors should consider their risk tolerance and investment goals when evaluating GL.
What is GL P/E ratio and valuation?
GL valuation metrics including P/E ratio, price-to-book ratio, and price-to-sales ratio are analyzed on this page with comparisons to Insurance - Life industry and Financial Services sector benchmarks. The company currently has a valuation score of 8.75/100.
Should I buy GL stock now?
The decision to buy GL stock should be based on comprehensive analysis of financial metrics, market conditions, and individual investment goals. Our analysis provides , financial health score of 4.0/100, and detailed performance metrics to help inform your investment decision.
What are GL financial health indicators?
GL financial health analysis includes liquidity ratios, debt levels, cash flow metrics, and profitability indicators. The company has a financial health score of 4.0/100 based on comprehensive analysis of balance sheet strength and operational efficiency.
How does GL compare to competitors?
GL performance is benchmarked against Insurance - Life industry peers and Financial Services sector averages. Our analysis includes comparative valuation ratios, profitability metrics, and growth indicators to provide context for Globe Life Inc.'s market position.
What are GL historical returns?
GL has generated 7.7% annual returns over the 10Y. Historical performance analysis includes price appreciation, dividend yields, and total shareholder returns compared to market benchmarks.
GL Key Investment Metrics Summary
Annual Return: 7.7%
Valuation Score: 8.75/100
Financial Health Score: 4.0/100
Growth Score: -49.20837154570088/100
Earnings Beat Rate: 8/10 quarters
Sector: Financial Services
Industry: Insurance - Life
Exchange: New York Stock Exchange
Market Cap: 9334695120
GL Investment Thesis
Globe Life Inc. (GL) represents a moderate investment opportunity in the Financial Services sector. With an overall score of None/100, the company demonstrates areas for financial improvement.
Investment Strengths
Attractive P/E Ratio
Low Price-to-Sales Ratio
Strong Gross Profit Margin
High Return on Equity
Excellent Liquidity Ratios
Low Debt Levels
Strong Premium Revenue Growth
Consistent Underwriting Margins
Agent Count Growth
Positive Growth Forecast
Strong Cash Flow Projections
Innovative Use of Technology in Sales
Investment Risks
Moderate EV/EBITDA
Net Profit Margin
Cash Ratio
Challenges in Direct-to-Consumer Channel
Higher Claim Costs in Health Insurance
Regulatory Uncertainty
Increased Competition
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