GL
Globe Life
Financials · Life & Health Insurance · US
✗ ETHICAL FAIL
MODERATE MOAT
HIGH
Data Confidence: 100.0%
Key Metrics
How this company measures up on the fundamentals that matter
Market Cap
$11.7B
Total market value of the company
9.10
Based on estimated future earnings — lower means cheaper
Rev Growth
+5.4%
Year-over-year revenue change
Profit Margin
0.0%
How much profit the company keeps from each dollar of revenue
20.5%
Return on equity — how efficiently it uses shareholder money
Analyst Target
$174.73
+10% from current price — median analyst estimate
Recommendation
BUY
Consensus view from 11 analysts covering this stock
About Globe Life
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, 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. It sells its products through direct-to-consumer channels, exclusive independent agents, general agency independent agents, and brokers. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was founded in 1900 and is headquartered in McKinney, Texas.
https://home.globelifeinsurance.com
Country: United States Employees: 3,695 Industry: Insurance - Life
Ethical Screening
Five compliance checks based on AAOIFI standards — all must pass for ethical clearance
Business Activity
FAIL
Core business does not involve prohibited activities
Debt Ratio
0.0%
Debt must be below 33% of total assets
Cash Ratio
0.0%
Interest-bearing cash below 33% of assets
Receivables
0.0%
Receivables below 49% of assets
Revenue Purity
0.0%
Non-compliant revenue below 5% — any excess requires purification
Valuation
$332.00
What our model estimates this business is worth per share
52.1%
Deep discount to fair value — significant undervaluation
Rating
AVOID
Overall assessment combining ethics, valuation, and quality
78.5th
Ranks in the top 22% of our 13,571 screened universe
Trading at $151 against a fair value of $332, a 54% discount. Moderate competitive position. Fails ethical screen (Business activity screen). Ranks better than 79% of screened stocks.
Quantitative Intelligence
Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data
MARKUP
Price trending up with increasing momentum
1.483
Excellent risk-adjusted returns
0.1273
Suggested allocation is meaningful — the edge justifies a position
2.599
Returns exceed worst-case losses — strong risk profile
Annual Return
38.2%
Historical annualised return based on price data
-14.7%
Largest peak-to-trough decline — the worst it has been
BULL
Statistical model sees bullish momentum
Days in State
1
How long the current regime has persisted — longer means more stable
Market Data
Trading characteristics and market positioning
0.50
Very low correlation to market moves
52W High
$156.69
-2% below the year high
52W Low
$116.73
36% above the year low
Avg Volume
497,856
Average daily shares traded — higher means easier to buy and sell
0.0
Days it would take all short sellers to cover — higher means more crowded
87.0%
Annual dividend as a percentage of the share price
$14.44
Earnings per share over the last 12 months
Financial Health
Balance sheet strength and cash generation — the foundation of long-term value
0.46
Conservative use of debt — low financial risk
0.66
Below 1 means short-term obligations exceed liquid assets — risk flag
Quick Ratio
0.53
Like current ratio but excludes inventory — stricter test
Gross Margin
33.7%
Revenue left after cost of goods — higher means pricing power
Operating Margin
23.7%
Profit from core operations before interest and tax
$1.3B
Positive — the business generates more cash than it spends
Revenue (TTM)
$6.1B
Total revenue over the last 12 months
Net Income
$1.2B
Profitable — the bottom line is positive
Recent Insider Activity
SEC Form 4 filings — what company insiders are buying and selling
| Date |
Insider |
Title |
Type |
Shares |
Value |
| 2026-05-19 |
KALMBACH THOMAS PETER |
Chief Financial Officer |
|
15,000 |
$1,548,450 |
| 2026-05-19 |
KALMBACH THOMAS PETER |
Chief Financial Officer |
|
11,903 |
$1,864,186 |
| 2026-05-11 |
KALMBACH THOMAS PETER |
Chief Financial Officer |
|
35,000 |
$3,441,200 |
| 2026-05-11 |
KALMBACH THOMAS PETER |
Chief Financial Officer |
|
27,427 |
$4,195,007 |
| 2026-05-06 |
HENRIE MICHAEL SHANE |
Officer |
|
2,150 |
$276,060 |
| 2026-05-06 |
HENRIE MICHAEL SHANE |
Officer |
|
2,150 |
$333,656 |
| 2026-05-05 |
DARDEN JAMES MATTHEW |
Chief Executive Officer |
|
22,019 |
$2,218,194 |
| 2026-05-05 |
SVOBODA FRANK M |
Chief Executive Officer |
|
15,000 |
$1,511,100 |
| 2026-05-05 |
DARDEN JAMES MATTHEW |
Chief Executive Officer |
|
22,019 |
$3,387,537 |
| 2026-05-05 |
SVOBODA FRANK M |
Chief Executive Officer |
|
15,000 |
$2,303,795 |
Source: SEC Form 4 filings via public data. View all insider activity at
Insider Intelligence
Political Trading Activity
Congressional trading disclosures involving this instrument
| Date |
Politician |
Party |
Type |
Amount |
| 2026-04-24 |
Ro Khanna |
Democrat |
Purchase |
1K–15K |
| 2026-04-20 |
Richard Blumenthal |
Democrat |
Sale |
15K–50K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Purchase |
1K–15K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Sale |
1K–15K |
| 2026-04-13 |
Ro Khanna |
Democrat |
Sale |
1K–15K |
Source: Congressional disclosure filings. View all political trades at
Insider Intelligence
Data sourced from public filings and market feeds. Not financial advice. Updated: