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Upturn AI SWOT - About
GL 
Globe Life Inc (GL)
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Upturn Advisory Summary
09/17/2025: 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 31.6% | Avg. Invested days 60 | 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 09/17/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 11.54B USD | Price to earnings Ratio 11.39 | 1Y Target Price 160.18 |
Price to earnings Ratio 11.39 | 1Y Target Price 160.18 | ||
Volume (30-day avg) 10 | Beta 0.56 | 52 Weeks Range 99.63 - 144.00 | Updated Date 09/17/2025 |
52 Weeks Range 99.63 - 144.00 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 0.72% | Basic EPS (TTM) 12.37 |
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 11.39 | Forward PE 10.44 | Enterprise Value 13961218080 | Price to Sales(TTM) 1.96 |
Enterprise Value 13961218080 | Price to Sales(TTM) 1.96 | ||
Enterprise Value to Revenue 2.38 | Enterprise Value to EBITDA - | Shares Outstanding 81003504 | Shares Floating 80293135 |
Shares Outstanding 81003504 | Shares Floating 80293135 | ||
Percent Insiders 0.61 | Percent Institutions 85.77 |
Upturn AI SWOT
Globe Life Inc
Company Overview
History and Background
Globe Life Inc., founded in 1900 as Liberty National Life Insurance Company, has evolved into a diversified financial services holding company. It focused initially on life insurance for working-class families and expanded through strategic acquisitions and product diversification. Rebranded as Globe Life Inc. in 2019.
Core Business Areas
- Life Insurance: Provides term and whole life insurance policies primarily to middle- and lower-income Americans through various distribution channels.
- Supplemental Health Insurance: Offers supplemental health insurance products, including cancer, heart, and accident policies.
Leadership and Structure
Globe Life Inc. is led by its CEO, Larry Hutchison. The organizational structure includes various divisions focused on insurance operations, investments, and corporate functions.
Top Products and Market Share
Key Offerings
- Term Life Insurance: Globe Life's core product, providing affordable term life insurance. Market share in the individual term life insurance market is estimated at approximately 3.9% (based on premiums written). Competitors include Prudential, New York Life, and State Farm. Revenue not publicly broken down by specific product.
- Whole Life Insurance: Offers permanent life insurance policies with a cash value component. Globe Life maintains a significant presence in this market. Competitors include Northwestern Mutual, MassMutual, and New York Life. Revenue not publicly broken down by specific product.
- Supplemental Health Insurance: Provides coverage for specific health events such as cancer, heart attack, and accidents. Revenue not publicly broken down by specific product. Competitors include Aflac and Cigna.
Market Dynamics
Industry Overview
The life and supplemental health insurance industry is characterized by moderate growth, increasing regulatory scrutiny, and evolving consumer preferences influenced by demographic shifts and technological advancements.
Positioning
Globe Life Inc. is positioned as a provider of affordable insurance solutions primarily targeting middle- and lower-income Americans. Its competitive advantages include its direct-to-consumer marketing approach and established brand recognition.
Total Addressable Market (TAM)
The US life insurance market is estimated to be worth over $900 billion in premiums. Globe Life is positioned to capture a portion of this TAM through its affordable products and various distribution channels.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive distribution network
- Affordable product offerings
- Direct-to-consumer marketing expertise
- Effective agent network
Weaknesses
- High policy lapse rates
- Sensitivity to economic downturns
- Reliance on direct marketing
- Vulnerability to regulatory changes
Opportunities
- Expansion into new markets
- Development of new product lines
- Leveraging technology for improved customer service
- Strategic acquisitions
- Growth in the senior population
Threats
- Increased competition
- Changing regulatory landscape
- Economic recession
- Rising interest rates
- Adverse publicity
Competitors and Market Share
Key Competitors
- PRU
- AFL
- MET
- SLF
Competitive Landscape
Globe Life competes on price and accessibility, targeting a specific demographic. Its direct marketing provides an advantage, but larger competitors have broader product lines.
Major Acquisitions
Freedom Equity Group
- Year: 2019
- Acquisition Price (USD millions): 324
- Strategic Rationale: Expanded Globe Life's distribution network and access to new markets.
Growth Trajectory and Initiatives
Historical Growth: Globe Life Inc. has experienced steady growth in revenue and earnings over the past decade, driven by its strong market position and effective marketing strategies.
Future Projections: Analyst estimates project continued growth in revenue and earnings, supported by demographic trends and the company's strategic initiatives.
Recent Initiatives: Recent strategic initiatives include expanding digital marketing efforts and developing new product offerings to cater to evolving consumer needs.
Summary
Globe Life Inc. is a stable company with a proven track record, targeting a specific market segment with affordable insurance products. Its direct marketing and agent network are key strengths. However, it faces competition from larger players, sensitivity to economic downturns and must manage high policy lapse rates effectively. Future growth depends on strategic initiatives and adaptation to changing market conditions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
- Company Website
- Yahoo Finance
- SEC.gov
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual circumstances and consultation with a qualified financial advisor.
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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