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Upturn AI SWOT - About
GL 
Globe Life Inc (GL)
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Upturn Advisory Summary
11/05/2025: GL (2-star) is currently NOT-A-BUY. Pass it for now.
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 $166.45
1 Year Target Price $166.45
| 3 | Strong Buy |
| 3 | Buy |
| 4 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 25.23% | Avg. Invested days 62 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  5.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/05/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 10.80B USD | Price to earnings Ratio 9.48 | 1Y Target Price 166.45 |
Price to earnings Ratio 9.48 | 1Y Target Price 166.45 | ||
Volume (30-day avg) 10 | Beta 0.48 | 52 Weeks Range 99.43 - 147.54 | Updated Date 11/4/2025 |
52 Weeks Range 99.43 - 147.54 | Updated Date 11/4/2025 | ||
Dividends yield (FY) 0.80% | Basic EPS (TTM) 14.07 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-22 | When After Market | Estimate 4.51 | Actual 4.81 |
Profitability
Profit Margin 19.36% | Operating Margin (TTM) 33.92% |
Management Effectiveness
Return on Assets (TTM) 3.29% | Return on Equity (TTM) 22.28% |
Valuation
Trailing PE 9.48 | Forward PE 10.44 | Enterprise Value 13846193059 | Price to Sales(TTM) 1.82 |
Enterprise Value 13846193059 | Price to Sales(TTM) 1.82 | ||
Enterprise Value to Revenue 2.36 | Enterprise Value to EBITDA - | Shares Outstanding 81003536 | Shares Floating 79678274 |
Shares Outstanding 81003536 | Shares Floating 79678274 | ||
Percent Insiders 0.61 | Percent Institutions 85.13 |
Upturn AI SWOT
Globe Life Inc
Company Overview
History and Background
Globe Life Inc. was founded in 1900 as the Globe Life and Accident Insurance Company. It has grown through acquisitions and organic growth, focusing on providing life and supplemental health insurance to middle-income Americans.
Core Business Areas
- Life Insurance: Provides term and whole life insurance policies marketed through various distribution channels, including direct response, exclusive agents, and independent agents.
- Supplemental Health Insurance: Offers supplemental health insurance products, such as Medicare supplement and critical illness insurance.
- Annuities: Sells fixed and variable annuities to provide retirement income solutions.
Leadership and Structure
Globe Life Inc. is led by a board of directors and a senior management team. The organizational structure is divided into business segments based on product lines and distribution channels.
Top Products and Market Share
Key Offerings
- Term Life Insurance: Term life insurance is a core product, providing coverage for a specific period. Globe Life's market share within the direct-to-consumer term life market is significant. Competitors include SelectQuote, eFinancial and Legal & General America
- Whole Life Insurance: Offers permanent life insurance coverage with a cash value component. Globe Life's whole life insurance focuses on the middle-income market. Competitors include New York Life, Northwestern Mutual and State Farm
- Supplemental Health Products: Supplemental health products, including critical illness and accident policies, are a growing part of the business. The market includes Aflac, Cigna and UnitedHealthcare
Market Dynamics
Industry Overview
The life and health insurance industry is competitive and highly regulated. Growth is driven by factors such as an aging population, increasing healthcare costs, and economic conditions.
Positioning
Globe Life Inc. is positioned as a provider of affordable life and supplemental health insurance for middle-income Americans, primarily through direct response and exclusive agent channels. The company's competitive advantage lies in its efficient marketing and distribution capabilities.
Total Addressable Market (TAM)
The US life insurance market is estimated to be worth hundreds of billions of dollars annually. The supplemental health insurance market also represents a large addressable market. Globe Life Inc. has a smaller market share within these two large markets.
Upturn SWOT Analysis
Strengths
- Strong brand recognition in target market
- Efficient direct marketing and distribution channels
- Consistent profitability and cash flow generation
- Experienced management team
- Focus on middle-income market segment
Weaknesses
- Reliance on direct response marketing can be costly
- Potential for regulatory scrutiny in insurance industry
- Exposure to interest rate risk
- High agent turnover
- Reputational risk from marketing practices
Opportunities
- Expanding product offerings to meet evolving customer needs
- Leveraging technology to improve customer experience and efficiency
- Acquiring smaller insurance companies to expand market share
- Capitalizing on the aging population and increasing demand for retirement solutions
- Growing the distribution network
Threats
- Increased competition from larger insurance companies
- Changes in regulatory environment
- Economic downturn impacting demand for insurance products
- Rising healthcare costs impacting supplemental health insurance products
- Interest rate fluctuations affecting investment returns
Competitors and Market Share
Key Competitors
- AFL
- PRU
- MET
Competitive Landscape
Globe Life competes primarily on price and distribution efficiency. AFLAC is a major competitor in supplemental health. PRU and MET are broad competitors. Globe Life's niche is middle-income direct response.
Major Acquisitions
American Income Life Insurance Company
- Year: 1994
- Acquisition Price (USD millions): 670
- Strategic Rationale: Expanded Globe Life's distribution network and product offerings.
Growth Trajectory and Initiatives
Historical Growth: Globe Life Inc. has demonstrated consistent revenue and earnings growth over the past decade, driven by its effective marketing strategies and expansion into new markets.
Future Projections: Future growth projections depend on various factors, including interest rates, regulatory changes, and market conditions. Analyst estimates are available from financial news sources.
Recent Initiatives: Recent initiatives include investments in technology to improve customer service and expand distribution channels.
Summary
Globe Life is a stable insurance company targeting the middle-income market. Its direct-response marketing and efficient distribution are key strengths. Threats include regulatory changes and competition. Focus on technology could bolster future growth, though it will need to continue monitoring high agent turnover.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
- Analyst estimates
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Actual results may vary. Market share data is approximate.
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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