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Globe Life Inc. GL

Financial — Insurance Life
S&P 500 Member Dividend Champion (5y)
Indexes indicate stock being part of an index ,
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
88.17
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell 1 — 2 — 7 3 3 9 5 4 1 —
Insider Ownership
1.72%

Capital & Financial Ratios

Market Cap
13,240.00
Revenue
6,191.96
Net Income
1,161.24
Free Cash Flow
1,232.38
Net Debt
2,686.20
Current Ratio
0.05
Debt/Equity
0.48
P/E ratio
11.24
P/S ratio
2.15
P/B ratio
2.17
Past 5Y EPS Growth
11.82%
This Y EPS Growth
8.35%
Next Y EPS Growth
4.88%
Next 5Y EPS Growth
7.23%
in millions of $

Dividends

Payout Ratio
0.12
Annual Dividend Rate
0.90
Annual Dividend Yield
0.76%
total individual payouts
2028 ‡‡‡‡‡
2027 ‡‡‡‡‡
2026 1.26
—
—
—
—
2025 1.05
—
—
—
—
2024 0.95
—
—
—
—
2023 1.11
—
—
—
—
—
2022 0.82
—
—
—
—
2021 0.78
—
—
—
—
2020 0.74
—
—
—
—
2019 0.68
—
—
—
—
2018 0.63
—
—
—
—
2017 0.59
—
—
—
—
2016 0.56
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 103.16 165.33 144.70 257.05
Receivables 630.22 691.91 768.59 818.82
Inventory — — — —
Other — — — —
733.38 857.23 913.30 1,075.87
2023 2024 2025 Q'26
Payables 20,229.79 19,247.73 19,981.18 20,113.21
ST’ Debt 486.11 415.40 304.66 277.95
Other 236.96 468.60 532.05 577.94
20,952.87 20,131.73 20,817.88 20,969.11
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 1,559.62 1,599.73 — —
—
’25 1,480.42 1,481.29 1,512.99 1,519.62
5,994.32
’24 1,416.14 1,440.25 1,455.41 1,466.28
5,778.07
’23 1,321.32 1,326.41 1,384.12 1,415.69
5,447.53
’22 1,302.63 1,291.76 1,297.24 1,335.11
5,226.74
’21 1,266.56 1,271.11 1,277.84 1,296.53
5,112.04
’20 1,133.05 1,180.88 1,195.04 1,228.94
4,737.92
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 420.94 314.06 — —
—
’25 431.89 307.93 305.98 350.60
1,396.39
’24 350.81 374.12 340.59 336.93
1,402.44
’23 477.33 326.81 286.89 391.40
1,482.43
’22 397.13 296.26 357.00 371.81
1,422.19
’21 371.83 330.21 357.98 377.66
1,437.68
’20 343.55 425.75 309.31 397.82
1,476.43
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 396.03 297.57 — —
—
’25 420.14 294.99 208.69 330.10
1,253.91
’24 341.70 356.49 311.28 321.93
1,331.40
’23 469.12 309.39 276.07 378.29
1,432.87
’22 390.15 289.61 350.86 363.64
1,394.27
’21 356.30 322.01 350.98 370.14
1,399.44
’20 334.24 414.92 300.67 384.85
1,434.68
in millions of $

EPS

Mar Jun Sep Dec Year
’26 3.39 3.65 — —
—
’25 3.01 3.05 4.73 3.29
14.07
’24 2.67 2.83 3.44 3.01
11.94
’23 2.28 2.24 2.68 2.88
10.07
’22 1.64 1.79 1.90 2.14
7.47
’21 1.70 1.92 1.84 1.76
7.22
’20 1.52 1.62 1.76 1.93
6.82

Target Price Range

High
‡‡‡‡‡
‡‡‡‡‡
Average
‡‡‡‡
‡‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡‡

Recommendation Rating

1.9
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 87.87 102.23 38.95 109.38 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 122.12 125.02 132.00 147.83 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,543 3,636 3,732 3,695 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.48 1.50 1.55 1.62 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5,226.74 5,447.53 5,778.07 5,994.32 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.26% 37.16% 39.51% 41.16% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,102.11 1,194.27 1,326.64 1,435.98 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 21.09% 21.92% 22.96% 23.96% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 894.39 970.76 1,070.76 1,161.24 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 348.82 379.70 410.00 447.76 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 53.37 57.28 64.72 73.66 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡ 7.55 10.21 11.99 14.27 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.52 15.59 15.71 17.16 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.29) (0.52) (0.80) (1.75) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.24 15.07 14.91 15.41 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 40.33 47.18 59.43 73.42 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 97.93 95.10 89.28 81.38 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.82 11.94 9.30 9.78 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.24 2.13 1.72 1.90 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.97 2.59 1.88 1.91 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.62 2.50 2.17 2.31 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.82 9.51 9.41 11.06 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,422.19 1,482.43 1,402.44 1,396.39 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (27.93) (49.55) (71.04) (142.48) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,394.27 1,432.87 1,331.40 1,253.91 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (18,750.67) (20,219.49) (19,274.50) (19,904.58) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2,077.06 2,115.67 2,739.65 2,625.45 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1,984.50 2,012.52 2,574.33 2,480.75 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3,949.58 4,486.80 5,305.52 5,974.58 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.21% 3.59% 3.75% 3.88% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 12.56% 12.47% 11.53% 11.66% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.21% 23.01% 21.87% 20.59% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Globe Life Inc. (GL) has delivered consistent revenue growth, with a 4.6% CAGR from $3.93B in 2016 to $5.45B in 2023, accelerating to 6.1% YoY in 2024 projections, fueled by aggressive share repurchases (26% reduction in shares outstanding) and efficient operations yielding ~$1.5M revenue per employee. However, earnings volatility, a 54% shareholders’ equity plunge in 2022 amid rate hikes, and a 60% stock drop from $130 highs to $39 lows following Fuzzy Panda’s October 2024 short-seller report alleging deceptive sales practices exposed significant regulatory and reputational vulnerabilities. Shares have partially recovered, but ongoing litigation and SEC probes linger.

Financial resilience shines through stable gross margins (~39%), improving EBT margins to 22.9%, robust ROE (23% in 2023 vs. industry ~15%), and steady FCF per share ($11-16 range), supporting dividends and buybacks despite negative working capital trends. Valuation appears compelling post-correction, with trailing P/E at 9.3, forward P/E ~9, and multiples below 10-year averages, implying 20-38% upside to analyst targets amid projected EPS growth to $16.20 by 2026.

Yet caution prevails: no insider buys amid $39M in sells, rising debt (30% YoY to $2.74B), and tail risks from claims inflation, rate sensitivity, and unresolved lawsuits could revisit 2024 lows. Fundamentals support a hold for conservative investors, but the risk-reward skews toward monitoring Q1 2026 earnings for clarity—read the full analysis for detailed projections and stress scenarios.

Read full commentary →

Globe Life Inc. (GL) Latest News

News by impact score

Fine-tune

14 Sep

3 , 11:16 AM
Globe Life co-CEOs Matt Darden and Frank Svoboda discussed the company's Texas strategy. Co-CEOs' Texas strategy discussion signals moderate potential effects on regional operations and positioning.

24 Aug

3 , 12:07 PM
Globe Life Inc. reports earnings momentum powered by health insurance growth. Health insurance growth signals positive earnings trajectory for the company.

16 Aug

3 , 12:17 AM
Globe Life Inc. launches expanded share buyback despite weaker margins, prompting questions on whether this shifts the core investment case for GL stock. Expanded buybacks offset weaker margins but likely produce only moderate effects on overall financial trajectory and investor positioning.

15 Aug

3 , 8:16 PM
Globe Life posted mixed Q2 earnings with the stock viewed as potentially 5% undervalued. Mixed quarterly results create moderate short-term effects on valuation and investor views.

25 Jul

4 , 6:11 PM
Globe Life Inc. raised its 2026 earnings guidance and expanded share buybacks yet its stock fell 6.1% as investors question whether the bull case has changed. Guidance raise and larger buybacks constitute major strategic moves that can significantly shift financial outlook and investor sentiment.

23 Jul

4 , 7:01 PM
Globe Life Inc posted strong net income and premium growth in its Q2 2026 earnings call. Strong Q2 2026 net income and premium growth signals improved financial performance likely to boost investor confidence and stock valuation.

3 transcript www.marketbeat.com, 4:07 PM
Globe Life Q2 earnings call highlighted financial results, operational updates and management guidance on future performance. Q2 earnings call details provide moderate insight into financials and guidance that can influence near-term stock movement.

3 , 11:26 AM
Globe Life missed Q2 earnings estimates due to escalating expenses. Earnings miss tied to rising expenses indicates cost pressures that may weigh on near-term financial performance and investor sentiment.

3 transcript app.moby.co, 8:30 AM
Globe Life Inc. held Q2 2026 earnings call covering financial results and outlook. Quarterly earnings calls deliver performance data that can shift near-term valuation.

22 Jul

3 , 6:30 PM
Globe Life Inc. (GL) Q2 earnings are compared to estimates with analysis of key metrics. Q2 earnings versus estimates offer moderate insight into financial performance without signaling major strategic shifts.

3 , 5:55 PM
Globe Life (GL) posted Q2 earnings below analyst estimates. Q2 earnings miss versus estimates typically weighs on shares and short-term outlook.

3 earnings , 4:10 PM
Globe Life Inc. reported its second quarter 2026 financial results. Quarterly earnings releases directly affect near-term stock valuation and market sentiment.

21 Jul

4 , 1:10 AM
Globe Life Inc. (GL) will report quarterly earnings tomorrow with analyst expectations and forecasts detailed ahead of the release. Upcoming earnings releases frequently trigger substantial stock price moves and shifts in investor positioning for the reporting company.

9 Jul

3 , 11:57 AM
Globe Life Inc. outperforms industry peers while trading at a discount, presenting a potential stock buying opportunity for investors. Outperformance and discount valuation may lift short-term investor sentiment and demand without shifting core operations.

29 Jun

3 , 11:54 AM
Globe Life (GL) reported Q1 earnings, triggering buy-sell-hold analysis on the stock amid updated financial performance and outlook. Q1 earnings release and subsequent buy-sell-hold assessment can moderately shift near-term investor sentiment and trading activity for GL.

25 Jun

3 StockStory, 4:49 PM
Globe Life (NYSE:GL) Q1 results are benchmarked against other life insurance stocks. Q1 benchmarking offers comparative performance metrics that may moderately affect investor views on Globe Life.

17 Jun

3 , 12:00 PM
Globe Life Inc. (GL) receives rating upgrade to Buy. Analyst Buy upgrade may lift short-term investor sentiment for Globe Life shares.

25 May

3 Simply Wall St., 1:09 AM
Globe Life Inc. raised 2026 guidance while an analyst downgrade introduces uncertainty that may shift investor views on the stock. Raised guidance combined with downgrade produces moderate near-term effects on investor sentiment and share performance.

27 Apr

4 Simply Wall St., 3:05 PM
Globe Life Inc. (GL) raised its 2026 guidance and announced buybacks, positioning these moves as potential game changers for the company's future. Raised 2026 guidance and buybacks represent significant strategic actions likely to boost long-term financial performance and investor sentiment.

24 Apr

4 StockStory, 9:33 AM
Globe Life Inc. (GL) reports Q1 growth in life and health premiums, alongside guidance stressing AI integration and margin improvements. Q1 premium growth and AI-margin guidance indicate major strategic shifts boosting financial trajectory and investor outlook.

4 GuruFocus.com, 3:12 AM
Globe Life Inc. (GL) delivered strong net operating income and strategic highlights in its Q1 2026 earnings call. Strong net operating income and strategic initiatives indicate significant positive momentum for Globe Life Inc.'s financial performance and market position.

3 www.marketbeat.com, 12:06 AM
Globe Life Inc. released highlights from its Q1 earnings call, covering financial results, operational updates, and forward guidance. Q1 earnings highlights provide insights into quarterly financials and outlook, moderately influencing stock performance and investor sentiment.

23 Apr

4 transcript www.fool.com, 2:23 PM
Globe Life Inc. (GL) Q1 2026 earnings call transcript details quarterly financial results, management commentary, and forward guidance. Earnings call reveals financial performance, strategic updates, and outlook that significantly shape investor expectations and stock trajectory.

4 app.moby.co, 8:30 AM
Globe Life Inc. released Q1 2026 earnings call summary detailing financial performance, operational highlights, and future outlook. Quarterly earnings summaries reveal key financial metrics that significantly influence stock price and investor sentiment.

3 Zacks, 2:57 PM
Globe Life Q1 earnings missed estimates but rose year-over-year due to higher premiums. Q1 earnings miss despite year-over-year growth from higher premiums moderately impacts financial performance and market sentiment.

22 Apr

4 Zacks, 7:00 PM
Globe Life Inc. (GL) Q1 earnings key metrics compared to Wall Street estimates. Q1 earnings metrics versus Wall Street estimates can significantly sway investor sentiment and stock trajectory.

4 Zacks, 7:00 PM
Globe Life Inc. (GL) Q1 earnings key metrics compared to Wall Street estimates. Q1 earnings metrics versus Wall Street estimates can significantly sway investor sentiment and GL's stock trajectory.

4 PR Newswire, 4:15 PM
Globe Life Inc. reported first quarter 2026 results. Quarterly earnings reports significantly affect financial performance and investor sentiment.

3 Zacks, 5:45 PM
Globe Life Inc. (GL) Q1 earnings and revenues missed analyst estimates. Q1 earnings and revenue misses highlight underperformance against expectations, moderately impacting financial results and investor sentiment.

3 , 5:45 PM
Globe Life Inc. (GL) Q1 earnings and revenues missed analyst estimates. Q1 earnings and revenue misses highlight financial underperformance, likely causing moderate short-term pressure on stock price and investor sentiment.
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