NAS10026,630−6.36%S&P7,354−4.36%GOLD$4,075−0.93%BTC$76,040+0.13%VIX26.62−5.54%latest tape · as of 12:04 UTC
The Screen · Financials · Insurance - Life
Globe Life
GL · a US exchange · USD · Market cap $12.2B · 3,695 employees
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.
FAIL · Does not pass the screen
159.21 USD
Price as of 5 Nov 2026Daily close, not a live quote
Screened 2026-11-05 · the tape above runs as of 12:04 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
Key facts today
Price159.21 USD at the 5 Nov 2026 close
Our value readUndervalued vs our fair value, as of 5 Nov 2026
Positioning no disclosures inside 60 days, left as found
Options put/call open interest 0.28, read 2026-11-03
Ethical does not pass the values gate
Price159.21 USD
Fair value211.71
Ethical score10.0/100
Value readUndervaluedas of 5 Nov 2026
Our investment reviews on this name
2026-11-04Read Distribution158.20+0.6% to today Accumulation gives way to Distribution after a 6% slide in 7 days
2026-10-28Read Accumulation168.77-5.7% to today Markdown gives way to Accumulation
2026-10-02Read Markdown166.08-4.1% to today ✓Distribution gives way to Markdown with volume flow in agreement
2026-08-30Read Distribution173.13-8.0% to today ✓Markup gives way to Distribution after a 9% rise in 8 weeks
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Globe Life holds its Distribution at $159.21. Consolidating, no directional conviction, held for 5 days.
As held on the ledger · 2026-11-05
Phase
Distribution · caution
Quantitative state
Consolidating, no directional conviction, held for 5 days
Price at the screen
$159.21
Valuation
10.65 trailing · 9.71 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.44
The Workings
Five Screens, Shown in Full
Does not pass. Business activity screen
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Business activity: Financials sector
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Globe Life does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-11-05. It updates when the underlying figures move, and past reads are kept below.
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Today GL does not pass the screen. If new figures move it to a pass, we send you one short email with the before and after. Verdicts change rarely, so you may not hear from us for a long time.
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What the Numbers Say It Is Worth
The Fair Value Range
Our analysis reads Undervalued vs our fair value, as of 5 Nov 2026: it trades at roughly a 24% discount to our $211.71 fair value, moderate competitive moat, 5.50% revenue growth.
Fair value range in USD, drawn from the 2026-11-05 screen. The gold marker is the market price at the same screen. A 24.8% discount to the base estimate.
Where our models see it going: fair-value estimate $211.71, with a range of $181.07 to $301.79, dated to the 2026-11-05 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Globe Life sells cover most families skip
Picture a kitchen table where a single missed wage means the difference between groceries and a premium notice. Globe Life built its book selling life and health policies to exactly those households. Revenue edges up 5 percent a year, margins sit at 19 percent, and return on equity reaches 20 percent, yet none of that moves the needle once the ethical screen is applied.
We pass for one clear reason. The business activity screen flags the company outright, and that single failure overrides the 11.1 times forward earnings and the 16 percent gap to stated fair value. Moderate moat or not, we do not stretch rules when the filter says no.
The stock still carries ordinary insurance risks, interest-rate swings, and lapse rates that can turn quickly if household finances tighten. Eleven analysts may lean buy, but our screen does not bend. Analysis, not advice.
Another profit measure, before interest, tax and non-cash costs: EBITDA.
The risks · The main risks here are ordinary market swings and the chance our fair-value read proves too optimistic.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
GL trades on a US exchange. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The framework has shifted from accumulation to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 6.3% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 1% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $185.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 1% above its long-term trend line with momentum reading bearish. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $185.
2026-10-21Markdown$168.77+0.0%Entry 14
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-20Markdown$168.77+0.0%Entry 13
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-19Markdown$168.77+0.0%Entry 12
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 10% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-18Markdown$168.77+0.0%Entry 11
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 11% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-17Markdown$168.77+1.7%Entry 10
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 11% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-16Markdown$166.01+1.1%Entry 9
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 1.1% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 11% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-15Markdown$164.17+0.0%Entry 8
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 11% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
2026-10-14Markdown$164.17-1.2%Entry 7
The analysis reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 1.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B, carrying a low risk profile. Technically it is holding around 11% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 37%. Our forward projection puts the odds of a 10% gain over the next month near 23%. The street (11 analysts) rates it buy, with a mean price target of $193. It reported earnings in this window, a natural checkpoint for the thesis.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
