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GL stock logo

GL

Globe Life Inc.

$159.33
2.2
 (1.4%)
Exchange:  NYSE
Market Cap:  12.371B
Shares Outstanding:  477.74M
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Insurance – Life
   
CEO:  Frank Martin Svoboda
Full Time Employees:  3732
Address: 
7677 Henneman Way
McKinney
TX
75070
US
Website:  http://www.home.globelifeinsurance.com
Globe Life Inc. delivers diverse life insurance and supplementary health coverage, alongside annuity products, targeting households in the lower-middle to middle-income brackets throughout the United States. The company’s operations are structured into four key segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. Its offerings encompass whole life, term life, and other life protection plans; supplemental health benefits like Medicare supplements, critical illness, and accident policies; and both single-premium and flexible-premium deferred annuities. Founded in 1979 and headquartered in McKinney, Texas, the enterprise rebranded from Torchmark Corporation to Globe Life Inc. in August 2019.

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Revenue Segmentation

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EPS

Historical EPS and analyst estimates in one chart. Log in for the full interactive view and links to detailed estimates.

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View full analyst estimates

Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2026/04/23 — 1 quarter 2026

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue5,447,5335,778,0695,998,627
Gross Profit1,640,2451,870,2522,003,704
EBITDA1,296,5821,453,7291,591,759
Operating Income1,194,2661,326,6371,462,738
Net Income970,7551,070,7621,161,155

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets28,051,49929,076,18130,813,692
Total Liabilities23,564,69623,770,66120,513,229
Total Stockholders Equity4,486,8035,305,5205,974,579
Total Debt2,115,6722,739,652304,656
Cash and Cash Equivalents103,156165,325144,704

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow1,482,4251,402,4400
Capital Expenditure-49,553-71,0450
Free Cash Flow1,432,8721,331,3950
Net Income970,7551,070,7621,161,238
Net Change in Cash10,59762,169-165,325

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2029Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)7,340,935.611Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)7,456,089.660Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)7,402,784.274Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)1,832,736.476Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)1,861,485.812Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)1,848,177.600Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)1,611,454.684Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)1,644,399.067Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)1,629,148.939Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)415,690.036Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)422,210.783Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)419,192.297Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)20.150Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)20.340Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)19.930Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)2Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
5.778B  ?P/S
 (TTM)
: 
2.03
?Net Income
 (TTM)
: 
1.071B  ?P/E
 (TTM)
: 
10.6
?Enterprise Value
 (TTM)
: 
14.883B  ?EV/FCF
 (TTM)
: 
12.1
?Dividend Yield
 (TTM)
: 
0.01  ?Payout Ratio
 (TTM)
: 
0.07
?ROE
 (TTM)
: 
0.2  ?ROIC
 (TTM)
: 
0.04
?Net Debt
 (TTM)
: 
2.574B  ?Debt/Equity
 (TTM)
: 
0.46
?P/B
 (TTM)
: 
2.05  ?Current Ratio
 (TTM)
: 
1.13

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
10.19Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

Strengths (preview)
  • Strong Financial Performance: Globe Life reported a net income of $253 million in Q2 2025, reflecting robust profitability. Key metrics such as return on equity (ROE) and net profit margin (TTM) indicate efficient capital utilization and healthy margins compared to industry benchmarks.
  • Operational Efficiency: The Q2 2025 earnings call highlighted improvements in operational efficiencies, contributing to sustained profitability and supporting the company’s ability to generate consistent free cash flow (as evidenced by freeCashFlowYieldTTM).
  • Shareholder Returns Focus: Management emphasized maintaining strong capital levels, with ongoing commitment to dividends (lastDiv and dividendYieldTTM) and share repurchases, enhancing investor confidence and long-term value creation.

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates GL intrinsic value between $186.57 – $231.16 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about GL valuation

Is Globe Life Inc. (GL) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Globe Life Inc. (GL) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is GL a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether GL trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is GL’s P/E ratio?

You can see GL’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for GL?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is GL a good long-term investment?

Whether GL fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

GL

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.4
MARKETSnap

Trading Metrics:

Open: 156.82   Previous Close: 157.13
Day Low: 156.67   Day High: 160.74
Year Low: 116.73   Year High: 160.74
Price Avg 50: 150.92   Price Avg 200: 141.94
Volume: 596492   Average Volume: 533112

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GL full analysis

08/09/2025

Welcome to MARKETSNAP’s SWOT analysis for Globe Life Inc., also known by its ticker GL. If you’re a long-term investor looking to dig into the potential of this player in the insurance space, you’re in the right place. Today, we’re breaking down the strengths, weaknesses, opportunities, and threats surrounding Globe Life, with a conversational deep dive into what’s driving this company and what could shape its future. Let’s get started! Quick Overview of Globe Life Inc. For those who might…

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See in Nexus

Relevant news

Did Globe Life Inc. Insiders Breach their Fiduciary Duties to Shareholders?
05-06-2026 15:39
Did Globe Life Inc. Insiders Breach their Fiduciary Duties to Shareholders?
Globe Life (GL) Up 1.7% Since Last Earnings Report: Can It Continue?
22-05-2026 12:32
Globe Life (GL) Up 1.7% Since Last Earnings Report: Can It Continue?
GL Stock Near 52-Week High: A Signal for Investors to Hold Tight?
11-05-2026 12:35
GL Stock Near 52-Week High: A Signal for Investors to Hold Tight?
Globe Life Inc. Declares Dividend
30-04-2026 17:46
Globe Life Inc. Declares Dividend
Globe Life (GL) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
22-04-2026 20:01
Globe Life (GL) Q1 Earnings: How Key Metrics Compare to Wall Street Estimates
Globe Life Inc. Announces First Quarter 2026 Earnings Release and Conference Call
08-04-2026 16:05
Globe Life Inc. Announces First Quarter 2026 Earnings Release and Conference Call

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