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Upturn AI Summary - About
Globe Life Inc(GL)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for GL
11/12/2026: GL (2-star) is currently NOT-A-BUY. Pass it for now.
Globe Life Inc is a well-established life and supplemental health insurance provider that caters specifically to the middle-income market. The company is known for its efficient direct-response model and consistent underwriting discipline, which have historically driven stable profit margins. Its primary growth opportunity lies in the digital transformation of its sales distribution channels to reach new segments. However, the firm faces risks from intensifying competition, regulatory scrutiny of its marketing practices, and sensitivity to interest rate fluctuations. It remains a potential fit for value and dividend-focused investors seeking long-term stability rather than rapid growth, provided they monitor ongoing regulatory developments and operational efficiency improvements.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature insurer with steady, rather than explosive, growth prospects. |
| Momentum investor | Weak fit | The stock typically moves with sector trends rather than short-term momentum spikes. |
| Value investor | Strong fit | The company often trades at valuations that appeal to long-term value-oriented investors. |
| Dividend investor | Strong fit | Consistent dividend history makes it suitable for income-focused portfolios. |
| Low-risk investor | Strong fit | The company's conservative business model and financial profile offer relative stability. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Market fluctuations can impact the stock price despite stable underlying operations. |
| Valuation risk | Low | The stock rarely trades at extreme premiums, mitigating significant valuation downside. |
| Competition risk (Insurtech) | Medium | Digital-first competitors threaten traditional direct-response business models. |
| Business quality | Strong | A long-standing track record of underwriting discipline provides fundamental stability. |
| Dividend income | Low | The dividend is considered well-supported by cash flows. |
| Execution risk | Medium | Adapting legacy systems to modern consumer expectations remains a primary operational challenge. |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 12.21B USD | Price to earnings Ratio 10.83 | 1Y Target Price 185.18 |
Price to earnings Ratio 10.83 | 1Y Target Price 185.18 | ||
Volume (30-day avg) 559.1K shares | Beta 0.46 | 52 Weeks Range 128.16 - 191.17 | Updated Date 11/11/2026 |
52 Weeks Range 128.16 - 191.17 | Updated Date 11/11/2026 | ||
Dividends yield (FY) 0.77% | Basic EPS (TTM) 14.94 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Insurance - Life
- BUY participation
- 75.0%
- Active BUY / eligible
- 3 / 4
- 30-Day BUY Count Change
- +3
Eligible universe: 4 stocks.
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 38.73% | Avg. Invested days 70 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 11/12/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Life Insurance Segment | Premiums collected from whole and term life policies. | This is the primary source of steady, recurring revenue for the firm. |
| Supplemental Health | Medicare Supplement and accident policy premiums. | This segment provides diversifying revenue streams driven by aging demographics. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-21 | When After Market | Estimate 4.87 | Actual 4.84 |
Profitability
Profit Margin 18.89% | Operating Margin (TTM) 25.83% |
Management Effectiveness
Return on Assets (TTM) 3.32% | Return on Equity (TTM) 19.26% |
Valuation
Trailing PE 10.83 | Forward PE 9.49 | Enterprise Value 15.06B | Price to Sales(TTM) 1.95 |
Enterprise Value 15.06B | Price to Sales(TTM) 1.95 | ||
Enterprise Value to Revenue 2.4 | Enterprise Value to EBITDA - | Shares Outstanding 75.44M | Shares Floating 74.76M |
Shares Outstanding 75.44M | Shares Floating 74.76M | ||
Percent Insiders 0.7 | Percent Institutions 90.71 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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