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The Screen · Financials · Insurance - Life
Globe Life
GL · a US exchange · USD · Market cap $13.1B · 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
173.42 USD
Screen close, 2026-09-18 · not a live quote Last reviewed 4 days ago
Screened 2026-09-18 · the tape above runs as of 09:00 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 173.42 against the desk's fair-value range, base estimate 218.47, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price173.42 USD
Fair value218.47
Ethical score10.0/100
RatingAVOID
Our investment reviews on this name
2026-08-30Read Distribution173.13+0.2% to today
2026-07-02Read Markup159.18+8.9% to today ✓
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 Accumulation at $173.42. The statistical read favours the buyers, held for 1 days.
As held on the ledger · 2026-09-18
Phase
Accumulation
Quantitative state
The statistical read favours the buyers, held for 1 days
Price at the screen
$173.42
Valuation
11.35 trailing · 10.34 forward price to earnings
Values screen
FAIL· score 10.0
Beta
0.46
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.
What the Numbers Say It Is Worth
The Fair Value Range
Our framework reads AVOID: it trades at roughly a 26% discount to our $218.47 fair value, moderate competitive moat, 8.00% revenue growth.
Fair value range in USD, drawn from the 2026-09-18 screen. The gold marker is the market price at the same screen. A 26.0% margin of safety to the base estimate.
Third-party analyst targets: 11 covering, consensus Buy. The average target sits +11% from the screen price.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-18 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.
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 markup to distribution since the last review. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 5.4% 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 none, with a mean price target of $194.
2026-07-31Markup$182.98+15.0%Entry 4
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 15.0% 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 $175.
2026-07-18Markup$159.18+0.0%Entry 3
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. 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 $175.
2026-07-03Markup$159.18+0.0%Entry 2
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. 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.
2026-07-02Markup$159.18Entry 1
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
