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Upturn AI SWOT - About
GL 
Globe Life Inc (GL)
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Upturn Advisory Summary
07/02/2025: GL (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
10 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $144.6
1 Year Target Price $144.6
| 3 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.47% | Avg. Invested days 63 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.31B USD | Price to earnings Ratio 10.12 | 1Y Target Price 144.6 |
Price to earnings Ratio 10.12 | 1Y Target Price 144.6 | ||
Volume (30-day avg) 10 | Beta 0.56 | 52 Weeks Range 79.84 - 133.49 | Updated Date 07/2/2025 |
52 Weeks Range 79.84 - 133.49 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 0.87% | Basic EPS (TTM) 12.34 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.33% | Operating Margin (TTM) 24.13% |
Management Effectiveness
Return on Assets (TTM) 3.19% | Return on Equity (TTM) 20.47% |
Valuation
Trailing PE 10.12 | Forward PE 10.44 | Enterprise Value 12828820182 | Price to Sales(TTM) 1.76 |
Enterprise Value 12828820182 | Price to Sales(TTM) 1.76 | ||
Enterprise Value to Revenue 2.2 | Enterprise Value to EBITDA - | Shares Outstanding 82542896 | Shares Floating 81841263 |
Shares Outstanding 82542896 | Shares Floating 81841263 | ||
Percent Insiders 0.6 | Percent Institutions 84.78 |
Analyst Ratings
Rating 3 | Target Price 144.6 | Buy 3 | Strong Buy 3 |
Buy 3 | Strong Buy 3 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Globe Life Inc
Company Overview
History and Background
Globe Life Inc. was founded in 1900 as Liberty National Life Insurance Company. It has evolved into a diversified financial services holding company focused on life and supplemental health insurance marketed to middle-income Americans.
Core Business Areas
- Life Insurance: Provides term and whole life insurance policies, primarily marketed through direct response, exclusive agents, and independent marketing organizations.
- Supplemental Health Insurance: Offers supplemental health insurance products, including cancer, accident, and critical illness policies.
- Annuities: Provides fixed and variable annuity products for retirement savings.
Leadership and Structure
Gary Coleman is the Chairman and CEO. The company operates with a decentralized structure, utilizing multiple distribution channels.
Top Products and Market Share
Key Offerings
- Term Life Insurance: Globe Life's term life insurance is a significant product. While exact market share data is dynamic, Globe Life is a leading provider of direct-to-consumer term life insurance. Competitors include Protective Life, Prudential, and Transamerica.
- Accident Insurance: Supplemental accident insurance provides benefits for injuries sustained in accidents. Market share data is not readily available but is a key product. Competitors include Aflac and Cigna.
- Whole Life Insurance: Globe Life's whole life insurance is a product geared towards permanent life long coverage. Market share data is not readily available but is a key product. Competitors include New York Life and MassMutual.
Market Dynamics
Industry Overview
The life and supplemental health insurance industry is competitive and subject to regulatory changes and economic cycles. Demand is driven by factors like aging population and increased health awareness.
Positioning
Globe Life targets middle-income Americans with affordable insurance solutions, utilizing a direct-to-consumer sales model. Its competitive advantage lies in its efficient distribution and brand recognition.
Total Addressable Market (TAM)
The US life insurance market is estimated to be in the hundreds of billions of dollars annually. Globe Life is positioned to capture a portion of this TAM through its focus on middle-income consumers.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Efficient direct-to-consumer distribution model
- Focus on middle-income market
- Diversified product portfolio
- Strong financial position
Weaknesses
- High reliance on direct marketing
- Sensitivity to interest rate fluctuations
- Reputation Risk
- Dependence on agency sales.
Opportunities
- Expanding product offerings
- Increasing market share in underserved markets
- Leveraging technology for distribution
- Strategic acquisitions
- Growth in the senior market
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Changing consumer preferences
- Adverse mortality trends
Competitors and Market Share
Key Competitors
- AFL (Aflac Inc.)
- PRU (Prudential Financial Inc.)
- MET (MetLife Inc.)
Competitive Landscape
Globe Life competes on price and convenience, targeting a specific demographic. Aflac focuses on supplemental insurance, while Prudential and MetLife offer a broader range of financial services.
Growth Trajectory and Initiatives
Historical Growth: To be implemented.
Future Projections: To be implemented.
Recent Initiatives: To be implemented.
Summary
Globe Life demonstrates strength in its targeted middle-income market with a well-established direct-to-consumer model, though its reliance on this channel presents a vulnerability. Solid brand recognition and a diverse product line contribute to its stability, but increasing competitive pressure and regulatory changes remain key concerns. Strategic expansions and technological adaptations can further solidify its market position. Currently, Globe Life's strength lies in its focus, it's weakness lies in its sales approach.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Industry Reports (e.g., LIMRA)
- Market Research Reports
- Company Website
- MarketWatch
- Yahoo Finance
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice. Market conditions and company performance can change rapidly. Please consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Globe Life Inc
Exchange NYSE | Headquaters McKinney, TX, United States | ||
IPO Launch date 1987-12-30 | Co-Chairman & Co-CEO Mr. Frank Martin Svoboda | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 3732 | |
Full time employees 3732 | |||
Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle- and middle-income families in the United States. The company operates through three segments: Life Insurance, Supplemental Health Insurance, and Investments. It offers whole, term, and other life insurance products; and Medicare supplement and limited-benefit supplemental health insurance products, such as accident, cancer, critical illness, heart, intensive care, and other health products. The company sells its products through its direct-to-consumer division, exclusive agencies, and independent agents. 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.
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