GL
Globe Life
$172.05
▲ 0.8%Updated Today 7:15 PM ET
▲ Up 42.6% over the last 12 months
Market Cap
$13.26B
P/E
11.14x
Forward P/E (est.)
9.47x
ROE
20.3%
Revenue Growth
4.0%
EPS Growth
17.7%
Profit Margin
19.4%
FCF Yield
—
Debt / Equity
0.44x
ROIC
13.0%
Interest Coverage
8.96x
Current Ratio
—
Dividend Yield
0.8%
Implied Growth (rev. DCF)
-0.4%
Rating Score
65/100
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what GL's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. GL trades near $172.05, above its 50-day average ($154.54) and 200-day average ($142.85). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 82 it is overbought — the recent rally is stretched and can cool off.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. GL's is $3.43 (~2.0% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month GL found buyers near $148.34 (support) and sellers near $171.75 (resistance); its 52-week range is $116.73–$171.75. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 1.3× the 20-day average — about normal. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
Globe Life (GL) is a large-cap company in the Life & Health Insurance industry, part of the Financials sector of the S&P 500, with a market value around $13.26B.
In its latest reported year it generated about $5.99B in revenue and $1.16B in net profit.
Our model rates GL Favorable (65/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
4Y CAGR
4.1%
Revenue moved from $5.11B in 2021 to $5.99B in 2025, a 4.1% compound annual growth rate. The most recent year was roughly flat (4.0%) year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
26.3%
Net Margin
19.4%
ROE
20.3%
Globe Life keeps about 19.4% of each sales dollar as net profit. Return on equity is 20.3% and return on invested capital about 13.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$1.63B
Net Debt
$1.59B
Net Debt / EBITDA
—
Debt / Equity
0.44x
Leverage: debt-to-equity is 0.4x, and operating profit covers interest about 9.0x. That is a conservative balance sheet — a cushion in downturns. It carries roughly $1.63B of total debt against $38.79M of cash.
Operating CF
$1.40B
Free Cash Flow
$1.25B
FCF Margin
20.9%
In the latest year Globe Life produced about $1.40B of operating cash flow and $1.25B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
11.14x
P/S
2.17x
P/B
1.88x
EV / EBITDA
—
GL trades at 11.1x trailing earnings (about 9.5x on estimated forward earnings), 2.2x sales, and 1.9x book value. Reverse-engineering today's price implies the market expects roughly -0.4% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
Where this stock sits versus what most companies trade at.
Typical ranges are general references (e.g., many stocks trade at ~18–26x earnings), not hard rules. Context only — not investment advice.
How GL stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (76 S&P 500 companies), GL ranks #38 of 76 by our overall rating. It trades at a discount versus the sector on earnings (11.1x P/E vs. 15.2x median) with a higher return on equity (20.3% vs. 15.3%) and slower revenue growth (4.0% vs. 9.1%).
P/E vs sector
11.1x
median 15.2x
ROE vs sector
20.3%
median 15.3%
Growth vs sector
4.0%
median 9.1%
Sector rank
#38
of 76 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 76 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$124.92 – $196.31
vs. $172.05 today · expected CAGR -6% – 3%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $6.23B | $6.48B | $6.74B | $7.01B | $7.29B |
| Net income | $1.18B | $1.23B | $1.28B | $1.33B | $1.39B |
| EPS | $15.26 | $15.87 | $16.50 | $17.16 | $17.85 |
| Share price (low) | $106.79 | $111.06 | $115.50 | $120.12 | $124.92 |
| Share price (high) | $167.81 | $174.52 | $181.50 | $188.76 | $196.31 |
| CAGR (low–high) | -38% / -2% | -20% / 1% | -12% / 2% | -9% / 2% | -6% / 3% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for GL:
- High net margins (19.4%) point to pricing power or efficiency.
- Strong return on equity (20.3%) shows capital is put to work well.
- A conservative balance sheet (debt/equity 0.4x) lowers risk.
- Our model's overall read is Favorable (65/100).
The case against GL:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Globe Life is a large-cap financials business growing at a mature pace, with solid profitability, and a sound balance sheet. It trades at 11.1x earnings, which our model scores Favorable (65/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.