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GL 
Globe Life Inc (GL)
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Upturn Advisory Summary
01/09/2026: 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 $168.3
1 Year Target Price $168.3
| 3 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 26.63% | Avg. Invested days 56 | 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 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.54B USD | Price to earnings Ratio 10.34 | 1Y Target Price 168.3 |
Price to earnings Ratio 10.34 | 1Y Target Price 168.3 | ||
Volume (30-day avg) 10 | Beta 0.48 | 52 Weeks Range 108.71 - 147.26 | Updated Date 01/9/2026 |
52 Weeks Range 108.71 - 147.26 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 0.75% | Basic EPS (TTM) 13.78 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.36% | Operating Margin (TTM) 34.09% |
Management Effectiveness
Return on Assets (TTM) 3.31% | Return on Equity (TTM) 22.28% |
Valuation
Trailing PE 10.34 | Forward PE 10.44 | Enterprise Value 13537352608 | Price to Sales(TTM) 1.94 |
Enterprise Value 13537352608 | Price to Sales(TTM) 1.94 | ||
Enterprise Value to Revenue 2.28 | Enterprise Value to EBITDA - | Shares Outstanding 79605800 | Shares Floating 78933131 |
Shares Outstanding 79605800 | Shares Floating 78933131 | ||
Percent Insiders 0.64 | Percent Institutions 86.02 |
Upturn AI SWOT
Globe Life Inc
Company Overview
History and Background
Globe Life Inc. (formerly Globe Life and Accident Insurance Company) was founded in 1951 in Oklahoma City, Oklahoma. It has a history of growth through organic expansion and strategic acquisitions. The company has evolved from a regional life insurance provider to a diversified financial services holding company.
Core Business Areas
- American Income Life: This segment provides individual life insurance and supplemental health insurance products primarily through a network of career agents. Products are often sold through employer-sponsored group meetings and direct mail campaigns.
- Globe Life And Accident Insurance Company: This segment offers individual life insurance, accident, and health insurance products, primarily in smaller communities, through independent agents and direct marketing.
- Liberty National Life Insurance Company: Similar to American Income Life, this segment sells individual life insurance and supplemental health products through a captive agency force.
- United American Insurance Company: This segment focuses on underwriting and marketing individual life, health, and annuity products, often leveraging direct-to-consumer channels and partnerships.
- Globe Life Capital Services: This segment encompasses various insurance-related services, including marketing, administrative support, and potentially other financial services.
Leadership and Structure
Globe Life Inc. is a publicly traded company with a Board of Directors overseeing its operations. The executive leadership team is responsible for strategic direction and day-to-day management. The company is structured around its various insurance subsidiaries, each with its own operational focus and distribution channels.
Top Products and Market Share
Key Offerings
- Final Expense Life Insurance: This is a core product designed to cover funeral and burial costs. Market share data is not publicly broken down by specific product line for Globe Life, but it's a significant offering within the industry. Competitors include Prudential, MetLife, and many smaller regional insurers.
- Accident and Health Insurance: These policies provide coverage for medical expenses related to accidents and various health conditions. Again, specific market share for this product is not readily available. Competitors include Cigna, UnitedHealth Group, and Aflac.
- Supplemental Income Protection Insurance: These policies offer a stream of income to policyholders who are unable to work due to illness or injury. This is another area where specific market share is not detailed. Competitors include Unum, Principal Financial Group, and MassMutual.
Market Dynamics
Industry Overview
The life and health insurance industry is mature and highly competitive, characterized by a need for continuous product innovation, efficient distribution, and robust risk management. The industry is influenced by economic conditions, interest rates, and regulatory changes. There is a growing demand for affordable, accessible insurance products, particularly for middle-income households.
Positioning
Globe Life Inc. positions itself as a provider of affordable, simple, and easy-to-understand insurance products for middle-income individuals and families. Its competitive advantages include a strong multi-channel distribution strategy, a history of consistent earnings growth, and a focus on operational efficiency.
Total Addressable Market (TAM)
The TAM for life and health insurance in the US is substantial, estimated to be in the hundreds of billions of dollars annually. Globe Life Inc. is a significant player within the niche of affordable life and supplemental health insurance, targeting segments of the market that may be underserved by larger, more complex insurers. While not the largest insurer overall, its focus on specific product categories and distribution methods allows it to capture a meaningful share of its targeted TAM.
Upturn SWOT Analysis
Strengths
- Strong and consistent earnings track record
- Diversified distribution channels
- Focus on affordable and simple products
- Experienced management team
- History of successful acquisitions
Weaknesses
- Reliance on a few core product lines
- Potential for increased competition in niche markets
- Sensitivity to interest rate fluctuations impacting investment income
Opportunities
- Expansion into new markets or product lines
- Leveraging technology for enhanced customer experience and efficiency
- Growing demand for supplemental insurance
- Further consolidation within the insurance industry
Threats
- Economic downturns impacting consumer spending on insurance
- Increasing regulatory scrutiny
- Interest rate hikes increasing borrowing costs and impacting investment portfolios
- Intensifying competition from established and new players
Competitors and Market Share
Key Competitors
- Prudential Financial Inc. (PRU)
- MetLife Inc. (MET)
- Lincoln National Corporation (LNC)
- Principal Financial Group Inc. (PFG)
Competitive Landscape
Globe Life Inc.'s advantage lies in its focus on affordability and simplicity, appealing to a broad demographic. Its multi-channel distribution is a strength, but it faces intense competition from larger, more diversified financial institutions that may have greater brand recognition and larger marketing budgets. Globe Life's operational efficiency and disciplined underwriting are key to maintaining its competitive edge.
Major Acquisitions
Globe Life has a history of acquisitions, but a specific recent, large, publicly disclosed acquisition with a price is not immediately available in a summary. For example, in the past, they have acquired companies like United Home Life Insurance Company.
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: To expand market reach and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Globe Life Inc.'s historical growth has been driven by a combination of organic sales expansion across its various insurance subsidiaries and strategic acquisitions that have broadened its product offerings and market reach.
Future Projections: Analyst estimates for Globe Life Inc.'s future growth are generally positive, with expectations of continued modest revenue and earnings per share increases. Growth is anticipated to be supported by its established distribution networks and ongoing demand for its core insurance products. Specific EPS growth projections for the next 1-3 years typically range from 7-10%.
Recent Initiatives: Recent strategic initiatives may include efforts to enhance digital capabilities, optimize operational efficiency through technology, and explore opportunities for further targeted acquisitions within the insurance and financial services sectors.
Summary
Globe Life Inc. is a financially stable insurance provider with a strong track record of consistent earnings and dividend growth. Its focus on affordable, straightforward insurance products for the middle market, coupled with a diversified distribution strategy, serves it well. The company's primary strengths lie in its operational efficiency and disciplined approach. However, it must remain vigilant against increasing competition and evolving market demands, particularly in the digital space, to sustain its growth trajectory.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Globe Life Inc. Investor Relations
- SEC Filings (10-K, 10-Q)
- Reputable financial news outlets
- Industry analysis reports
Disclaimers:
This JSON output is for informational purposes only and does not constitute financial advice. Market share percentages are estimates and may vary based on the source and methodology. Financial data presented is based on publicly available information and may not be exhaustive. Investors should conduct their own due diligence 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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