Globe Life Inc. (GL) Stock Analysis — Fair Value, Risk & Moat Rating
NYQ · Financial Services · Insurance - Life
Is Globe Life Inc. a safe investment right now?
Globe Life Inc. is in the Financial Services sector — Altman Z-Score does not apply to this type of company. Our fair value estimate is $171.09 (Buy Zone).
Why the Altman Z-Score does not apply to Globe Life Inc.
The Altman Z-Score is designed for manufacturing and non-financial companies. It uses ratios like Working Capital / Total Assets and Revenue / Total Assets that produce misleading results for Financial Services companies.
- Banks hold massive assets (loans) that inflate Total Assets, making WC/TA nearly zero — a false distress signal
- Utilities carry high regulated debt by design — the model misreads leverage as risk
- REITs use Funds From Operations (FFO), not Free Cash Flow — standard cash flow analysis doesn't apply
Altman Z-Score is designed for manufacturing companies and does not apply to banks, utilities, or REITs.
Note: A sector-specific financial health model for Financial Services companies is planned for a future update.
What is Globe Life Inc. actually worth?
How we calculated this
| Input | Value | Source |
|---|---|---|
| Analyst Consensus Target | $171.09 | 11 Wall Street analysts |
| Analyst High / Low | $199.00 / $146.00 | Range of analyst price targets |
| Price / Book | 2.00x | Current market valuation vs book value |
| Return on Equity | 20.6% | Profitability relative to shareholder equity |
Source: Earnings data from SEC EDGAR filings. Market data via Yahoo Finance.
Why standard moat analysis does not apply to Globe Life Inc.
Our standard moat model uses ROIC stability, gross margin trends, and switching costs — metrics designed for product and service companies. Financial Services companies compete on fundamentally different dimensions.
- Banks — moat comes from deposit cost advantage, net interest margin stability, and fee income diversification
- Utilities — moat is a regulatory monopoly with guaranteed rate of return on invested capital
- REITs — moat comes from property portfolio quality, location, tenant mix, and cap rate advantages
Standard moat analysis (ROIC/gross margin/switching costs) does not reliably apply to Financial Services companies. Banks compete on net interest margin, utilities on regulated returns, and REITs on occupancy and cap rates.
Note: A sector-specific competitive analysis for Financial Services companies is planned for a future update.
Is Globe Life Inc.'s dividend safe?
Can Globe Life Inc. afford its dividend?
Payout ratio is 7.7%. FCF covers the dividend 17.3x. 40 consecutive years of payments.
Globe Life Inc.'s key financial metrics
| Metric | Latest | 1Y Ago | 3Y Ago | Trend |
|---|---|---|---|---|
| Revenue | $6.0B | $5.8B | $5.2B | Rising |
| Net Income | $1.2B | $1.1B | $0.9B | Rising |
| Free Cash Flow | $1.3B | $1.3B | $1.4B | Declining |
Recent events that affect our GL analysis
GL analyst consensus: 73% bullish (8 of 11 analysts)
4 Strong Buy, 4 Buy, 3 Hold, 0 Sell, 0 Strong Sell. Consensus target: $171.09 (13.1% upside). Compare with our independent Fair Value: $171.09.
GL missed EPS estimates by 1.3%
Reported EPS: $3.43 vs estimate $3.48. Our Fair Value of $171.09 may face downward pressure if the trend continues.
GL paid $0.3300/share dividend
Dividend Safety Grade: A. Payout ratio: 7.7%.
GL missed EPS estimates by 3.2%
Reported EPS: $3.29 vs estimate $3.40. Our Fair Value of $171.09 may face downward pressure if the trend continues.
GL paid $0.2700/share dividend
Dividend Safety Grade: A. Payout ratio: 7.7%.
GL beat EPS estimates by 5.9%
Reported EPS: $4.81 vs estimate $4.54. Earnings strength supports our Fair Value of $171.09 (13.1% above current price).
GL paid $0.2700/share dividend
Dividend Safety Grade: A. Payout ratio: 7.7%.
GL beat EPS estimates by 0.8%
Reported EPS: $3.27 vs estimate $3.25. Earnings strength supports our Fair Value of $171.09 (13.1% above current price).
GL paid $0.2700/share dividend
Dividend Safety Grade: A. Payout ratio: 7.7%.
GL missed EPS estimates by 5.2%
Reported EPS: $3.07 vs estimate $3.24. Our Fair Value of $171.09 may face downward pressure if the trend continues.
GL paid $0.2700/share dividend
Dividend Safety Grade: A. Payout ratio: 7.7%.
GL beat EPS estimates by 0.7%
Reported EPS: $3.14 vs estimate $3.12. Earnings strength supports our Fair Value of $171.09 (13.1% above current price).
GL paid $0.2400/share dividend
Dividend Safety Grade: A. Payout ratio: 7.7%.
Common questions about Globe Life Inc.
What is Globe Life Inc. stock price today?
Globe Life Inc. (GL) stock price is $151.25 as of the latest market close, traded on the NYSE exchange.
What does Globe Life Inc. do?
Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products to lower middle- and middle-income families in the United States. It operates in three segments: Life Insurance, Supplemental Health Insurance, and Investments. It offers whole, term, and other life insurance products, as well as life insurance for children; Medicare supplement and limited-benefit supplemental health insurance products, such as accident, cancer, critical illness, heart, intensive care, and other health products; and final expense, accidental death, mortgage protection, and hospital insurance products.
What is Globe Life Inc. market cap?
Globe Life Inc. has a market capitalization of $11.89B, classifying it as a large-cap stock in the Financial Services sector.
What sector and industry is GL in?
Globe Life Inc. operates in the Financial Services sector, specifically within the Insurance - Life industry. It trades on the NYSE under the ticker symbol GL.
Is GL stock overvalued or undervalued?
Based on our valuation model, Globe Life Inc. trades 11.6% below our fair value estimate — potentially undervalued.
- FairValueLabs Fair Value: $171.09
- Current Price: $151.25
- Valuation Zone: Buy Zone
What is GL stock forecast and analyst target price?
Based on 11 Wall Street analysts, the consensus price target for Globe Life Inc. is $171.09, implying upside of 13.1% from the current price.
- Analyst High Target: $199.00
- Analyst Low Target: $146.00
Note: Analyst targets are shown for reference and are not used in our valuation model.
Is Globe Life Inc. revenue and earnings growing?
Here are the analyst consensus growth estimates for Globe Life Inc.:
- Revenue growth (current year est.): 7.0%
- EPS growth (current year est.): 5.9%
- Revenue growth (next year est.): 6.1%
- EPS growth (next year est.): 7.7%
What are Globe Life Inc.'s key financial metrics?
| Metric | Latest | Trend |
|---|---|---|
| Revenue | $6.0B | Rising |
| Net Income | $1.2B | Rising |
| Free Cash Flow | $1.3B | Declining |
What is GL's P/E ratio?
The price-to-earnings ratio measures how much investors pay per dollar of earnings:
- Trailing P/E (last 12 months): 10.8x
- Forward P/E (next 12 months est.): 9.1x
How volatile is GL stock?
Globe Life Inc. has a beta of 0.47, meaning it is less volatile than the broader market. A beta above 1.0 indicates higher price swings relative to the S&P 500, while below 1.0 suggests more stability.
How much cash and debt does Globe Life Inc. have?
Globe Life Inc.'s balance sheet shows:
- Total Cash: $459.4M
- Total Debt: $3.13B
- Net Cash Position: $-2.67B
A positive net cash position means the company holds more cash than debt, reducing financial risk.
What is Globe Life Inc.'s free cash flow?
Globe Life Inc. generated $1.14B in trailing twelve-month free cash flow (from $1.40B in operating cash flow). Free cash flow represents the cash available for dividends, buybacks, and debt reduction after all capital expenditures.
Does Globe Life Inc. pay a dividend, and is it safe?
Yes, Globe Life Inc. pays a regular dividend. Here are the key metrics:
- Dividend Yield: 0.7%
- Payout Ratio: 7.7%
- Consecutive Years Paid: 40
- 5-Year Dividend Growth: -5.2%
- FairValueLabs Safety Grade: A
Is Globe Life Inc. financially healthy?
The Altman Z-Score — the standard bankruptcy prediction model — is not applicable to Financial Services companies like Globe Life Inc.. The formula uses ratios designed for manufacturing firms that produce misleading results for banks, utilities, and REITs.
Does Globe Life Inc. have a competitive moat?
Our standard moat model (based on ROIC, gross margins, and switching costs) does not apply to Financial Services companies. These firms compete on fundamentally different dimensions such as regulatory advantages, deposit cost structures, or property portfolios.
What is GL's return on equity (ROE)?
Globe Life Inc.'s return on equity is 20.6%. ROE measures how efficiently a company generates profits from shareholder equity. An ROE above 15% is generally considered strong, while below 10% may signal inefficiency.
How do I buy GL stock?
GL shares can be purchased through any brokerage account that provides access to the NYSE. Common steps:
- Open an account with a broker (e.g., Fidelity, Schwab, Interactive Brokers)
- Search for ticker symbol GL
- Place a market or limit order for your desired number of shares
This is not investment advice. Always do your own research before buying any stock.
Is GL a value stock or speculative?
FairValueLabs classifies Globe Life Inc. as Value Investment. It exhibits consistent profitability, reasonable valuation, and financial stability — characteristics of a traditional value investment.
Who is the CEO of Globe Life Inc.?
The current CEO of Globe Life Inc. is Mr. Frank Martin Svoboda.
What is GL's earnings per share (EPS)?
Earnings per share measures the company's profit allocated to each outstanding share:
- Trailing EPS (last 12 months): $14.07
- Forward EPS (next 12 months est.): $16.57
- Analyst consensus EPS (this year): $15.38
- Analyst consensus EPS (next year): $16.57
Other Financial Services companies analyzed by FairValueLabs
FairValueLabs Disclaimer
All valuations, scores, ratings, and classifications on this page are produced by the FairValueLabs internal valuation system. They do not represent actual market value, guaranteed outcomes, or professional investment advice. These are analytical estimates for educational and research purposes only.
This is not financial advice. All data is sourced from SEC EDGAR public filings. Always consult a qualified financial advisor before making investment decisions.
Last updated: Apr 22, 2026. Data sources: SEC EDGAR (financial statements), Yahoo Finance (market data, analyst consensus). Data may not reflect the most recent quarter.
GL analysis methodology: How we calculate fair value, Z-Scores, and moat ratings