Globe Life Inc.
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. The company offers whole, term,…
What to know about GL
Globe Life Inc. is a large Financial Services company with a mixed financial profile. It scores well on valuation and risk, but size is worth keeping an eye on.
Should you consider GL?
Based on 31 financial metrics and sector comparison. Not financial advice.
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Globe Life Inc. is a large-cap Financial Services company with a mixed overall financial profile — it sits in the upper half of Financial Services stocks (30 of 70).
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Profitability is roughly average for the S&P 500 — not a standout in either direction.
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Valuation looks attractive — the stock is priced reasonably relative to its earnings and sales compared to most peers. You're not overpaying for the business.
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Growth has been slower than most peers. That's not necessarily a dealbreaker, but it means the investment case rests more on current earnings than future expansion.
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There is a small dividend (0.01%), but income-focused investors will likely find better yields elsewhere in the market.
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Risk is relatively low — the stock tends to be less volatile than the broader market, which typically means a smoother ride during uncertain periods.
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This is a mixed picture — real strengths in some areas, but areas that need watching too. Do your homework on the sector before deciding.
At a glance
How it scores
We look at 31 different financial metrics and group them into categories. Here's how GL compares to the other S&P 500 stocks.
Dive deeper — all 31 metrics 9 categories · valuation, growth, health, dividends & more Show all Hide
Valuation
Is the stock cheap or expensive relative to its earnings, sales, and assets? Lower multiples often mean better value.
| Metric | Value | vs S&P 500 |
|---|---|---|
| P/E Ratio (Trailing) | 11.82 | Top 25% |
| Forward P/E | 10.26 | Top 25% |
| PEG Ratio | 1.30 | Above avg |
| Price to Sales | 2.18 | Above avg |
| Price to Book | 2.19 | Above avg |
| EV/EBITDA | 9.74 | Top 25% |
| Earnings Yield | 8.46% | Top 25% |
Profitability
How efficiently does the company turn revenue into profit? Higher margins mean more money kept from each dollar earned.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Gross Margin | 33.73% | Average |
| Operating Margin | 23.75% | Above avg |
| Net Profit Margin | 19.38% | Above avg |
| Return on Equity | 20.46% | Above avg |
| Return on Invested Capital | 3.31% | Average |
Growth
How fast is the business expanding? Strong growth in revenue and earnings signals increasing market demand.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Revenue Growth (YoY) | 5.40% | Average |
| Revenue Growth (3Y CAGR) | 4.67% | Average |
| EPS Growth (YoY) | 12.60% | Average |
| Free Cash Flow Growth | -5.82% | Average |
Health
Can the company cover its debts and obligations? A healthy balance sheet reduces the risk of financial trouble.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Current Ratio | 0.66 | Below avg |
| Debt to Equity | 0.54 | Above avg |
| Interest Coverage | 11.17 | Above avg |
| Altman Z-Score | — | N/A |
Dividends
Does the company pay shareholders, and is that payment growing and sustainable?
| Metric | Value | vs S&P 500 |
|---|---|---|
| Dividend Yield | 0.78% | Below avg |
| Payout Ratio | 7.89% | Top 25% |
| Dividend Growth (5Y) | -5.16% | Above avg |
Cash Flow
Is real cash flowing into the business — not just accounting profits? Strong cash flow funds growth and dividends.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Free Cash Flow Yield | 9.28% | Top 25% |
| OCF to Sales | 22.81% | Above avg |
Risk
How volatile is the stock compared to the broader market? Lower beta and volatility mean a smoother ride.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Beta (1-Year) | 0.50 | Top 25% |
| Volatility (30-Day) | 25.23% | Above avg |
Sentiment
What do analysts and short-sellers think? High analyst ratings and low short interest signal broad confidence.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Short % of Float | 0.01% | Top 25% |
| Avg. Analyst Rating | 1.91 | Above avg |
| Target Upside % | 3.02% | Below avg |
Size
How large is the company by market value? Size affects stability, growth potential, and index inclusion.
| Metric | Value | vs S&P 500 |
|---|---|---|
| Market Capitalization | 13.26B | Below avg |
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