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Upturn AI SWOT - About
GL 
Globe Life Inc (GL)
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Upturn Advisory Summary
08/28/2025: 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 $160.18
1 Year Target Price $160.18
| 3 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 29.44% | Avg. Invested days 58 | 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 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.38B USD | Price to earnings Ratio 11.24 | 1Y Target Price 160.18 |
Price to earnings Ratio 11.24 | 1Y Target Price 160.18 | ||
Volume (30-day avg) 10 | Beta 0.56 | 52 Weeks Range 98.18 - 144.00 | Updated Date 08/28/2025 |
52 Weeks Range 98.18 - 144.00 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 0.73% | Basic EPS (TTM) 12.5 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.11% | Operating Margin (TTM) 23.82% |
Management Effectiveness
Return on Assets (TTM) 3.2% | Return on Equity (TTM) 20.02% |
Valuation
Trailing PE 11.24 | Forward PE 10.44 | Enterprise Value 13928816666 | Price to Sales(TTM) 1.93 |
Enterprise Value 13928816666 | Price to Sales(TTM) 1.93 | ||
Enterprise Value to Revenue 2.37 | Enterprise Value to EBITDA - | Shares Outstanding 81003504 | Shares Floating 80294755 |
Shares Outstanding 81003504 | Shares Floating 80294755 | ||
Percent Insiders 0.61 | Percent Institutions 85.7 |
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 grown through acquisitions and organic growth, evolving into a leading provider of life and supplemental health insurance.
Core Business Areas
- Life Insurance: Offers term and whole life insurance policies to individuals and families, primarily through direct response marketing and exclusive agency distribution.
- Supplemental Health Insurance: Provides supplemental health insurance products, including Medicare supplement, cancer, and critical illness coverage.
- Annuities: Offers annuity products to meet retirement savings needs.
Leadership and Structure
Globe Life Inc. is led by its CEO, Larry Hutchison. The organizational structure includes various business segments led by executive vice presidents.
Top Products and Market Share
Key Offerings
- Term Life Insurance: Provides affordable life insurance coverage for a specific period. Competitors include Prudential, MetLife, and New York Life. Market share data is proprietary, but Globe Life is a significant player in the direct-to-consumer market.
- Whole Life Insurance: Offers lifelong insurance coverage with a cash value component. Competitors include Northwestern Mutual, State Farm, and MassMutual. Market share data is proprietary, but Globe Life is a significant player in the direct-to-consumer market.
- Supplemental Health Products: Offers accident, cancer, critical illness and other limited-benefit supplemental products. Competitors include Aflac, Cigna, and UnitedHealthcare. Market share data is proprietary.
Market Dynamics
Industry Overview
The life and supplemental health insurance industry is competitive, with growth driven by an aging population and increasing awareness of financial protection needs.
Positioning
Globe Life Inc. focuses on the middle-income market, leveraging direct response marketing and exclusive agency networks. Its competitive advantage lies in its brand recognition and efficient distribution channels.
Total Addressable Market (TAM)
The TAM for life and health insurance in the US is estimated to be hundreds of billions of dollars. Globe Life Inc. is positioned to capture a portion of this TAM through its focus on underserved markets.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Efficient distribution channels
- Focus on the middle-income market
- Disciplined underwriting
- High persistency rates
Weaknesses
- High reliance on direct response marketing
- Exposure to regulatory changes
- Potential for adverse selection
- Relatively low average policy size
Opportunities
- Expanding product offerings
- Acquiring smaller competitors
- Leveraging technology to improve efficiency
- Growing the agency network
- Capitalizing on the aging population
Threats
- Increased competition
- Rising interest rates
- Economic downturns
- Changes in consumer preferences
- Regulatory scrutiny
Competitors and Market Share
Key Competitors
- PRU
- MET
- AFL
Competitive Landscape
Globe Life Inc. competes effectively by focusing on niche markets and utilizing efficient distribution channels. However, it faces challenges from larger, more diversified competitors with greater resources.
Major Acquisitions
United American General Agency
- Year: 2019
- Acquisition Price (USD millions): 17.7
- Strategic Rationale: Expansion of distribution network and access to new markets.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends require real-time financial data access.
Future Projections: Future projections require real-time financial data access and analyst reports.
Recent Initiatives: Recent strategic initiatives include investments in technology and expansion of the agency network.
Summary
Globe Life is a financially sound company focused on the life and supplemental health insurance market, particularly serving middle-income individuals. Its efficient direct response and agency distribution are key strengths. It faces increasing competition and the need to adapt to changing consumer preferences. Its recent strategic acquisitions will help the company grow.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Analyst estimates
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Market share and financial data are estimates and may vary.
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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