Globe Life (GL) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

Globe Life

NYSE•Financial Services•Insurance - Life

$172.26-0.72(<0.01%)Pre-market

Market Cap

$13.47B

P/E

11.1x

P/S

2.2x

P/B

2.2x

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.

How this company scores

GoodMetricSide Score: 78/100

Strongest: Profitability (25/25); weakest: Balance Sheet & Red Flags (16/25).

Profitability25/25

Growth19/25

Balance Sheet & Red Flags16/25

Cash & Earnings Quality18/25

Strengths

Strong marginsHigh ROELow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 11.1x5y range 7.2x – 15.8x

Currently near its 20-quarter median.

P/S · 2.2x5y range 1.3x – 2.2x

Currently near its 20-quarter median.

P/B · 2.2x5y range 1.1x – 2.7x

Currently near its 20-quarter median.

Price & Volume

Market Cap $13.47B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $6.19B
Q. Revenue: $1.60B
TTM EBITDA: $1.53B
TTM Op. Income: $1.50B
Q. Op. Income: $353.74M
TTM Net Income: $1.21B
Q. Net Income: $287.75M
EPS: $3.71
Shares Out.: $77.46M

$6.19B in TTM revenue grew 5.2% YoY, reaching $1.60B last quarter. TTM EBITDA of $1.53B and TTM operating income of $1.50B show growth is flowing through to the bottom line. TTM net income of $1.21B means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

EBITDA Margin: 22.1%
Op. Margin: 22.1%
Net Margin: 18.0%

Op. margin of 22.1% is up 1.0% YoY — cost efficiency is improving. Net margin at 18.0% Over the past year, operating margin is up 5% — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 11.1x
P/S Ratio: 2.2x
P/B Ratio: 2.2x

At 11.1x P/E, the stock trades below typical market levels. P/S of 2.2x and P/B of 2.2x provide additional context. P/E sits below typical market levels while revenue is growing. Over the past year, P/E is up 16% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $31.56B
Cash: $257.05M
Long-Term Debt: $2.67B
Book Value: $6.16B
D/E Ratio: 0.4
Debt/EBITDA: 7.5

With $31.56B in assets and $2.67B in long-term debt, D/E is 0.4and book value is $6.16B — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is up 1% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $314.06M
TTM Free Cash Flow: $1.23B
FCF Margin: 19.9%
FCF / Net Income: 1.0

TTM FCF of $1.23B on $314.06M in operating cash flow. The FCF / Net Income ratio of 1.0x means free cash flow covers net income — earnings are backed by cash. Over the past year, free cash flow is down 9% — an improving trend.