Globe Life Valuation

GL Stock  USD 144.10  0.17  0.12%   
At this time, the firm appears to be overvalued. Globe Life retains a regular Real Value of $136.81 per share. The prevalent price of the firm is $144.1. Our model calculates the value of Globe Life from evaluating the firm fundamentals such as Return On Equity of 0.21, current valuation of 13.87 B, and Return On Asset of 0.0331 as well as inspecting its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Globe Life's valuation include:
Price Book
2.014
Enterprise Value
13.9 B
Price Sales
1.945
Forward PE
10.4384
Trailing PE
10.2223
Overvalued
Today
144.10
Please note that Globe Life's price fluctuation is very steady at this time. Calculation of the real value of Globe Life is based on 3 months time horizon. Increasing Globe Life's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Globe stock is determined by what a typical buyer is willing to pay for full or partial control of Globe Life. Since Globe Life is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Globe Stock. However, Globe Life's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value.
Historical Market  144.1 Real  136.81 Target  171.3 Hype  144.28
The intrinsic value of Globe Life's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Globe Life's stock price.
135.68
Downside
136.81
Real Value
158.51
Upside
Estimating the potential upside or downside of Globe Life helps investors to forecast how Globe stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Globe Life more accurately as focusing exclusively on Globe Life's fundamentals will not take into account other important factors:
Earnings
Estimates
LowProjectedHigh
3.363.513.61
Details
Hype
Prediction
LowEstimatedHigh
143.15144.28145.41
Details
10 Analysts
Consensus
LowTarget PriceHigh
155.88171.30190.14
Details
Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Globe Life's intrinsic value based on its ongoing forecasts of Globe Life's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Globe Life's closest peers.

Globe Life Cash

199.63 Million

Globe Revenue by Product

Globe Life Total Value Analysis

Globe Life is currently expected to have takeover value of 13.87 B with market capitalization of 11.66 B, debt of 2.74 B, and cash on hands of 171.36 M. Please note that takeover value may be misleading and is a subject to accounting mistakes. We encourage investors to methodically examine all of the Globe Life fundamentals before making investment evaluation based on enterprise value of the company
  Takeover PriceMarket CapDebt ObligationsCash
13.87 B
11.66 B
2.74 B
171.36 M

Globe Life Investor Information

About 86.0% of the company shares are owned by institutional investors. The book value of Globe Life was currently reported as 70.84. The company has Price/Earnings To Growth (PEG) ratio of 0.97. Globe Life recorded earning per share (EPS) of 14.08. The entity last dividend was issued on the 5th of January 2026. The firm had 3:2 split on the 2nd of July 2014. Based on the measurements of operating efficiency obtained from Globe Life's historical financial statements, Globe Life is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in March.
Current ValueLast YearChange From Last Year 10 Year Trend
Operating Profit Margin0.360.2438
Way Up
Slightly volatile
Total Cash From Operating Activities943.6 M1.6 B
Way Down
Slightly volatile
Operating Income817.1 M1.5 B
Way Down
Slightly volatile

Globe Life Asset Utilization

The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Globe Life has an asset utilization ratio of 20.63 percent. This suggests that the Company is making $0.21 for each dollar of assets. An increasing asset utilization means that Globe Life is more efficient with each dollar of assets it utilizes for everyday operations.
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes

Globe Life Profitability Analysis

Based on the measurements of profitability obtained from Globe Life's financial statements, Globe Life's profitability may be sliding down. It has an above-average chance of reporting lower numbers next quarter. Profitability indicators assess Globe Life's ability to earn profits and add value for shareholders.
 
Net Income  
First Reported
1985-09-30
Previous Quarter
387.8 M
Current Value
266 M
Quarterly Volatility
95.6 M
 
Black Monday
 
Oil Shock
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
At this time, Globe Life's Operating Profit Margin is quite stable compared to the past year. Gross Profit Margin is expected to rise to 0.37 this year, although the value of Gross Profit will most likely fall to about 1.9 B.
Current ValueLast YearChange From Last Year 10 Year Trend
Gross Profit Margin0.370.334
Significantly Up
Very volatile
Net Profit Margin0.120.1936
Way Down
Pretty Stable
Operating Profit Margin0.360.2438
Way Up
Slightly volatile
Pretax Profit Margin0.170.24
Way Down
Pretty Stable
Return On Assets0.03670.0424
Fairly Down
Pretty Stable
Return On Equity0.180.23
Significantly Down
Slightly volatile
For Globe Life profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Globe Life to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Globe Life utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Globe Life's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Globe Life over time as well as its relative position and ranking within its peers.

Globe Life Earnings per Share Projection vs Actual

By analyzing Globe Life's earnings estimates, investors can diagnose different trends across Globe Life's analyst sentiment over time as well as compare current EPS estimates against different timeframes. Please be aware that the consensus of earnings estimates for Globe Life is based on EPS before non-recurring items and includes expenses related to employee stock options.
 
Dot-com Bubble
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
Globe Life is projected to generate 3.5113 in earnings per share on the 31st of March 2026. Globe Life earnings estimates show analyst consensus about projected Globe Life EPS (Earning Per Share). It derives the highest and the lowest estimates based on Globe Life's historical volatility. Many public companies, such as Globe Life, manage the perception of their earnings on a regular basis to make sure that analyst estimates are accurate. Future earnings calculations are also an essential input when attempting to value a firm.

Globe Life Ownership Allocation

Globe Life has a total of 79.61 Million outstanding shares. The majority of Globe Life outstanding shares are owned by outside corporations. These institutional investors are usually referred to as non-private investors looking to purchase positions in Globe Life to benefit from reduced commissions. Consequently, third-party entities are subject to a different set of regulations than regular investors in Globe Life. Please pay attention to any change in the institutional holdings of Globe Life as this could imply that something significant has changed or is about to change at the company. On September 12, 2024, Senator Susan M Collins of US Senate acquired $15k to $50k worth of Globe Life's common stock.

Globe Life Profitability Analysis

The company generated the yearly revenue of 6 B. Reported Net Income was 1.16 B with gross profit of 2.02 B.

Globe Life Past Distributions to stockholders

About Globe Life Valuation

We use absolute and relative valuation methodologies to arrive at the intrinsic value of Globe Life. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Globe Life based exclusively on its fundamental and basic technical indicators. By analyzing Globe Life's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Globe Life's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Globe Life. We calculate exposure to Globe Life's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Globe Life's related companies.
Last ReportedProjected for Next Year
Gross ProfitB1.9 B
Pretax Profit Margin 0.24  0.17 
Operating Profit Margin 0.24  0.36 
Net Profit Margin 0.19  0.12 
Gross Profit Margin 0.33  0.37 

Globe Life Quarterly Retained Earnings

8.81 Billion

Globe Life's stock price is the clearest measure of market expectations about its performance. Without stock valuation, investors cannot independently discern whether Globe Life's value is low or high relative to the company's performance and growth projections. Determining the market value of Globe Life can be done in different ways, such as multiplying its stock price by its outstanding shares.
A single share of Globe Life represents a small ownership stake in the entity. As a stockholder of Globe, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.

Globe Life Dividends Analysis For Valuation

Dividend Paid And Capex Coverage Ratio is expected to rise to 8.62 this year, although the value of Dividends Paid will most likely fall to about 52.7 M. . At this time, Globe Life's Retained Earnings are quite stable compared to the past year. Price Earnings To Growth Ratio is expected to rise to 0.80 this year, although the value of Retained Earnings Total Equity will most likely fall to about 5.3 B.
Last ReportedProjected for Next Year
Dividends Paid76.9 M52.7 M
Dividend Yield 0.01  0.01 
Dividend Payout Ratio 0.07  0.07 
Dividend Paid And Capex Coverage Ratio 8.06  8.62 
There are various types of dividends Globe Life can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Globe shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Globe Life directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Globe pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Globe Life by the value of the dividends paid out.

Globe Life Growth Indicators

Investing in growth stocks can be very risky. If the company such as Globe Life does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
Common Stock Shares Outstanding80.9 M
Quarterly Earnings Growth Y O Y0.093
Forward Price Earnings10.4384

Globe Life Current Valuation Indicators

Globe Life's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Globe Life's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Globe Life, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Globe Life's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Globe Life's worth.
Check out Risk vs Return Analysis to better understand how to build diversified portfolios, which includes a position in Globe Life. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in board of governors.
For more information on how to buy Globe Stock please use our How to buy in Globe Stock guide.
You can also try the Portfolio Suggestion module to get suggestions outside of your existing asset allocation including your own model portfolios.
Is Life & Health Insurance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Globe Life. Market participants price Globe higher when confident in its future expansion prospects. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Globe Life assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth
0.093
Dividend Share
1.08
Earnings Share
14.08
Revenue Per Share
73.662
Quarterly Revenue Growth
0.036
The market value of Globe Life is measured differently than its book value, which is the value of Globe that is recorded on the company's balance sheet. Investors also form their own opinion of Globe Life's value that differs from its market value or its book value, called intrinsic value, which is Globe Life's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Globe Life's market value can be influenced by many factors that don't directly affect Globe Life's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Globe Life's value and its price as these two are different measures arrived at by different means. Investors typically determine if Globe Life is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. Meanwhile, Globe Life's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.