GL Financial Services

Globe Life Inc.

$158.20-1.00%

Price as of close on Nov 3, 2026 · Financials updated Oct 9, 2026

Basics

Sector: Financial Services
Industry: Insurance - Life
Country: United States
Market cap: 12.2B USD
Full-time employees: 3,695

Overall health

Strength: more profitable than most peersmore profitable than peers
About average: growth and valuation

Ranks #143 of 791 banks & insurance companies (top 19%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 71% of peers on earnings, but only 23% on book value.
Relative to its earnings, Globe Life looks cheaper than 71% of peers; relative to its book value, cheaper than only 23%. The valuation score blends the two, so look at which measure fits this business best.
Share count shrinking. Shares outstanding down 27% from December 2022 to July 2026.
Globe Life had 27% fewer shares at July 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.
Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $4.7B in 2020 to $6.0B in 2025.
Globe Life's fiscal-year revenue rose in each of the five years to 2025, from $4.7B to $6.0B.

StockQuotient Score

65/ 100▼ 1 since Oct 27 close

Oct 5 64 → Nov 4 65 (+1)

Valuation

Is the price right?

52/100

Moderate▼ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 54 → 52

Share price +0.8%-1
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Mixed versus peers:

▲ Earnings yield
▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield50.6%

SEC filings · latest balance sheetReported value40% base weight · Z-score -1.02Sector median: 0.7950 · MAD: 0.2843

Earnings yield10.0%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.82Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield11.1%

Yahoo Finance fallback · SEC enterprise value unavailable (debt or EBITDA not reported in standard form) · trailing 12 monthsReported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield10.1%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

56/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth19.9%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.22Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth5.5%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth5.2%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

88/100

Strong

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Stronger than most peers on:

▲ ROA
▲ ROE

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets3.8%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 4.27Sector median: 0.0117 · MAD: 0.0062

Return on equity19.7%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 2.31Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about Globe Life

Is Globe Life getting weaker?: Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is 65/100, down 1 since Oct 28, 2026.
How is Globe Life valued vs its peers?: Priced about in line with its peers. Valuation scores 52/100 against 950 banks & insurance peers. Earnings yield 10.0% vs a peer median of 7.9% (stronger than 71% of peers).Earnings yield 10.0% vs peers 7.9% (stronger than 71% of peers). Book yield 50.6% vs a peer median of 79.5% (weaker than 77% of peers).Book yield 50.6% vs peers 79.5% (weaker than 77% of peers).
Is Globe Life growing?: At about the same pace as its peers. Growth scores 56/100 against 950 banks & insurance peers.
How profitable is Globe Life?: More profitable than most of its peers. Profitability scores 88/100 against 950 banks & insurance peers. Return on assets 3.8% vs a peer median of 1.2% (stronger than 88% of peers).Return on assets 3.8% vs peers 1.2% (stronger than 88% of peers).
How risky is Globe Life?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 5, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	6.1B USD	6.2B USD	+2.0%
Net income (12 months)	1.2B USD	1.2B USD	+3.0%
Free cash flow (12 months)	1.2B USD	1.2B USD	+0.2%
Debt	2.8B USD	2.9B USD	+5.9%
Cash	255.2M USD	257.1M USD	+0.7%
Shares outstanding	77.6M	76.8M	−1.0%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Sector: Banks & Insurance · 209 companies

Valuations in Banks & Insurance are within their usual range since 2016.

55% of months since 2016 were valued lower than now.
27% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +25% and earnings +33% (medians): prices and earnings moved broadly together.
Median price-to-book is −57% vs the whole market, against a usual −57%.

2016Shaded: most expensive fifth of its range2026

Shown for Banks & Insurance: too few Insurance - Life companies have a long enough history of their own.

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	24.0%	22.7%	23.2%	23.0%	24.0%	▲ 1.0 pts
Net margin	20.2%	17.1%	17.8%	18.5%	19.4%	▲ 0.8 pts
Return on assets (ROA)	3.5%	3.4%	3.5%	3.7%	3.8%	▲ 0.1 pts
Return on equity (ROE)	51.5%	22.6%	21.6%	20.2%	19.4%	▼ 0.7 pts
Debt to equity	1.09×	0.57×	0.47×	0.52×	0.44×	▼ 15%
Interest coverage	14.70×	13.13×	12.36×	10.46×	10.18×	▼ 2.6%

GL price history

Price history is added with the daily price update and will appear after the next one.

Similar companies

Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

About average: growth and valuation

Ranks #143 of 791 banks & insurance companies (top 19%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Valuation signals disagree. Cheaper than 71% of peers on earnings, but only 23% on book value.

Relative to its earnings, Globe Life looks cheaper than 71% of peers; relative to its book value, cheaper than only 23%. The valuation score blends the two, so look at which measure fits this business best.

Share count shrinking. Shares outstanding down 27% from December 2022 to July 2026.

Globe Life had 27% fewer shares at July 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $4.7B in 2020 to $6.0B in 2025.

Globe Life's fiscal-year revenue rose in each of the five years to 2025, from $4.7B to $6.0B.

Questions investors ask about Globe Life

Is Globe Life getting weaker?

Its latest SEC filing (Aug 5, 2026) showed no major changes. Its overall score is 65/100, down 1 since Oct 28, 2026.

How is Globe Life valued vs its peers?

Priced about in line with its peers. Valuation scores 52/100 against 950 banks & insurance peers. Earnings yield 10.0% vs a peer median of 7.9% (stronger than 71% of peers).Earnings yield 10.0% vs peers 7.9% (stronger than 71% of peers). Book yield 50.6% vs a peer median of 79.5% (weaker than 77% of peers).Book yield 50.6% vs peers 79.5% (weaker than 77% of peers).

Is Globe Life growing?

At about the same pace as its peers. Growth scores 56/100 against 950 banks & insurance peers.

How profitable is Globe Life?

More profitable than most of its peers. Profitability scores 88/100 against 950 banks & insurance peers. Return on assets 3.8% vs a peer median of 1.2% (stronger than 88% of peers).Return on assets 3.8% vs peers 1.2% (stronger than 88% of peers).

How risky is Globe Life?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

6.1B USD

6.2B USD

+2.0%

Net income (12 months)

1.2B USD

1.2B USD

+3.0%

Free cash flow (12 months)

1.2B USD

1.2B USD

+0.2%

Debt

2.8B USD

2.9B USD

+5.9%

Cash

255.2M USD

257.1M USD

+0.7%

Shares outstanding

77.6M

76.8M

−1.0%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

24.0%

22.7%

23.2%

23.0%

24.0%

▲ 1.0 pts

Net margin

20.2%

17.1%

17.8%

18.5%

19.4%

▲ 0.8 pts

Return on assets (ROA)

3.5%

3.4%

3.5%

3.7%

3.8%

▲ 0.1 pts

Return on equity (ROE)

51.5%

22.6%

21.6%

20.2%

19.4%

▼ 0.7 pts

Debt to equity

1.09×

0.57×

0.47×

0.52×

0.44×

▼ 15%

Interest coverage

14.70×

13.13×

12.36×

10.46×

10.18×

▼ 2.6%