Globe Life GL
United StatesFinancial Services · Insurance - LifeUSD
192.91 USD (+18.1%)
11 analysts
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Globe Life Inc. is a U.S. insurer offering life and supplemental insurance (such as accident and health) through a network of agents and direct channels, with a business model centered on recurring premiums and investment management.
Key points
from its scores- ✓Favourable backdrop8.0
- ✓High-quality business7.6
- ✓Very solid balance sheet7.4
- ✕Little or no dividend3.2
AI analysis
bottom line, main risk, context and newsFundamentals are solid and valuation is attractive, although the low dividend limits appeal for income investors.
Globe Life shows solid financial health (ROE 20.94%, operating margin 24.64%) and a reasonable valuation (P/E 10.84, adjusted P/B 0.98), with earnings growth of 19.70%. The dividend is low (0.81%), but the payout of 7.96% leaves room for future increases.
The main risk is exposure to regulatory and sales practice litigation in the U.S. life insurance sector, which could impact reputation and operating costs.
Context and risks
Globe Life operates in the U.S. life insurance sector, a market with active state regulatory oversight and risk of litigation over sales practices. Although its balance sheet is solid, the rising rate environment in the U.S. may compress demand for long-term savings products, though it favors the investment margin of its portfolio.
Is Globe Life stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades in line with the Financial Services median (within 15%).
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 10.8 | 13.7 | −21% |
| EV / EBITDA | 9.2 | 10.1 | −8% |
| Price / book | 2.0 | 1.9 | +10% |
| Price / sales | 2.0 | 3.5 | −41% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 6.6 out of 10 (median for Financial Services: 5.2).
Average analyst target: 192.91 USD, +18.1% versus the price.
Classic formulas with standard assumptions (9.6% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 10.8
- Forward P/E
- 9.9
- EV / EBITDA
- 9.2
- Price / book
- 2.0
- Price / sales
- 2.0
- PEG
- 1.30
- Market cap
- 12.6B USD
- Enterprise value
- 15.5B USD
Profitability
- ROE
- 20.9%
- ROA
- 3.4%
- ROIC (approx.)
- 15.9%
- Gross margin
- 33.9%
- Operating margin
- 24.6%
- Net margin
- 19.6%
- Free cash flow
- 1.2B USD
- FCF yield
- 9.3%
- Cash conversion
- 69%
Solvency
- Total debt
- 3.4B USD
- Net debt
- 3.0B USD
- Cash
- 455.4M USD
- EBITDA
- 1.7B USD
- Net debt / EBITDA
- 1.77
- Debt / equity
- 55.67
- Current ratio
- 0.80
- Quick ratio
- 0.64
Growth
- Revenue growth
- +8.0%
- Earnings growth
- +19.7%
- EPS (TTM)
- 15.07 USD
- EPS (forward)
- 16.51 USD
Dividend
- Dividend yield
- 0.8%
- Payout
- 8.0%
Risk and market
- Beta
- 0.44
- Analyst consensus
- Buy (11)
- Target price
- 192.91 USD
- 52-week range
- 127.85 – 191.55
Recent news
All GL news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Globe Life
Is Globe Life stock cheap or expensive?
On P/E and Price / book, it trades in line with the Financial Services median (within 15%). Valuation score: 6.6 out of 10 (median for Financial Services: 5.2). Average analyst target: 192.91 USD, +18.1% versus the price. This is not investment advice.
What score does Globe Life get on MeridIAn Screener?
It scores 6.8 out of 10, rank 321 of 2,130 (better than 83% of the companies analysed). Its strongest category is Risk & Context (8.0) and its weakest, Dividend (3.2). Analysis of 08/10/2026.
What is Globe Life's P/E ratio?
Its P/E is 10.8: the share price equals 10.8 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.9.
How much is Globe Life worth on the stock market?
Its market capitalisation is 12.6B USD.
Does Globe Life pay a dividend?
Yes: its dividend yield is 0.81% and it pays out 8% of its earnings.
How has Globe Life stock performed over the last year?
It has risen 21.1% over the last year, excluding dividends. Over the last 52 weeks it has traded between 127.85 and 191.55 USD. Past performance does not guarantee future results.
What do analysts think of Globe Life?
11 analysts cover it; their average recommendation is “Buy” and their average target is 192.91 USD (+18.1% versus the price). It is an estimate, not market data.