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Globe Life (GL) Stock Analysis

This is a peer-relative look at Globe Life (GL): its performance, risk, profitability, growth, financial strength, dividend, and valuation are each measured against its Insurance peers, so every number reads in context rather than in isolation.

Company Profile

Company profile fields for Globe Life (GL)
Profile ItemGL
NameGlobe Life Inc.
Country/RegionUnited States
GICS SectorFinancials
GICS Industry GroupInsurance
GICS IndustryInsurance
GICS Sub-IndustryLife & Health Insurance
Market Capitalization11.86 billion USD
CurrencyUSD
ExchangeNYSE
Listing DateOctober 1, 1980
Security TypeCommon Stock

Price Performance

Cumulative Growth

GL
GSPC
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Globe Life (GL) vs. S&P 500 (GSPC): Growth of a $10,000 investment over the past five years. Adjusted for dividends and splits.

Trailing Returns

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Trailing total returns for Globe Life (GL) and S&P 500 (GSPC). Returns over one year are annualized.

Calendar-Year Returns

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Calendar-year total returns for Globe Life (GL) and S&P 500 (GSPC). Each bar is that year's total return, measured year-end to year-end.

Performance Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
Total Return (1Y)22.37%13.21%
Total Return (3Y, Annualized)12.75%16.41%
Total Return (5Y, Annualized)12.63%10.37%

Risk Profile

Drawdown History

GL
GSPC
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Globe Life (GL) vs. S&P 500 (GSPC): Drawdown from the running peak over the past five years. Each line shows the decline from its prior peak; 0% marks a new high.

Return Distribution

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Distribution of monthly total returns for Globe Life (GL) and S&P 500 (GSPC). Each bar is the share of months whose return fell in that 5% bucket.

Risk Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
Volatility (1Y, Annualized)21.23%28.84%
Beta (5Y)0.460.50
Max Drawdown (5Y)-61.62%-38.77%

Risk-Adjusted Performance

Risk-Return Positioning

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Each dot is a stock plotted by 1-year volatility (risk) and 1-year return. GL is highlighted; the dashed line is the Capital Allocation Line from the risk-free rate through the industry median — dots above it are stronger on a risk-adjusted basis.

Risk-Adjusted Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
Sharpe Ratio (1Y)0.850.28
Sortino Ratio (1Y)1.130.41

Profitability

ROE (TTM)

Globe Life (GL) posts ROE of 19.26%, roughly around the peer group’s normal range. Shareholders’ equity is producing a return that looks broadly typical for the industry.

GL

Insurance industry group

19.26%

Group distribution
Max
41.68%
Q3
22.04%
GL
19.26%
Median
14.81%
Q1
8.79%
Min
-10.66%
Largest peers
PGR
33.24%
TRV
27.50%
MRSH
27.24%
GL
19.26%
CB
14.25%
MFC
12.24%
AJG
7.21%
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Where Globe Life (GL) stands on ROE within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Net Margin (TTM)

Globe Life (GL) keeps 18.89% of revenue as net profit, putting net margin in the upper peer quartile. After operating costs, interest, and taxes, more of each sales dollar reaches shareholders than it does at most industry peers.

GL

Insurance industry group

18.89%

Group distribution
Max
29.92%
GL
18.89%
Q3
17.03%
Median
10.97%
Q1
6.21%
Min
-4.68%
Largest peers
MFC
18.97%
GL
18.89%
CB
18.13%
TRV
17.03%
MRSH
14.20%
PGR
12.67%
AJG
10.78%
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Where Globe Life (GL) stands on net margin within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Operating Margin (TTM)

operating margin is set aside for Globe Life (GL) in Insurance: the operating-income line is not a clean boundary for this business model, so net margin, ROE, FFO, or industry-specific measures may be more useful.

Profitability Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
ROE (TTM)19.26%14.81%
ROA (TTM)3.32%2.72%
Net Margin (TTM)18.89%10.97%
Operating Margin (TTM)----
Gross Margin (TTM)----

Growth

Revenue Growth

Globe Life (GL) grew revenue 3.74%, roughly around the peer group's normal range. Top-line momentum looks broadly typical for the industry.

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Globe Life (GL): Revenue Growth across different time periods, set against Insurance industry-group medians.

EPS Growth

Globe Life (GL) grew earnings per share 17.84%, roughly around the peer group's normal range. Bottom-line momentum looks broadly typical for the industry.

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Globe Life (GL): EPS Growth across different time periods, set against Insurance industry-group medians.

Growth Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
Revenue Growth (YoY)3.74%7.89%
Revenue Growth (3Y CAGR)4.67%11.40%
EPS Growth (YoY)17.84%21.77%
EPS Growth (3Y CAGR)23.50%18.46%

Financial Strength

Current Ratio (MRQ)

current ratio is set aside for Globe Life (GL) in Insurance: these balance sheets are not best read through a current/non-current split, so regulatory, funding, or liquidity-coverage measures usually matter more.

Debt / Equity (MRQ)

debt-to-equity ratio is set aside for Globe Life (GL) in Insurance: leverage is part of the business model itself, so capital adequacy, funding mix, and regulatory measures are usually better risk gauges.

Financial Strength Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
Current Ratio (MRQ)----
Debt / Equity (MRQ)----
Net Debt / EBITDA----

Dividends

Dividend Yield (TTM)

Globe Life (GL) has dividend yield of 0.79%, in the industry’s normal income range. It provides a meaningful dividend without the red flag of an unusually high headline yield.

GL

Insurance industry group

0.79%

Group distribution
Max
5.12%
Q3
2.15%
Median
0.98%
GL
0.79%
Q1
0.00%
Min
0.00%
Largest peers
MFC
4.32%
MRSH
1.80%
TRV
1.17%
CB
1.07%
AJG
0.95%
GL
0.79%
PGR
0.17%
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Where Globe Life (GL) stands on dividend yield within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Payout Ratio (TTM)

Globe Life (GL) has payout ratio of 8.43%, within the industry’s typical payout band. The dividend shares profits with investors while leaving earnings coverage that looks normal for the peer group.

GL

Insurance industry group

8.43%

Group distribution
Max
76.67%
Q3
35.18%
Median
14.74%
GL
8.43%
Q1
0.00%
Min
0.00%
Largest peers
PGR
70.03%
MFC
54.30%
MRSH
44.14%
AJG
41.98%
CB
13.95%
TRV
12.36%
GL
8.43%
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Where Globe Life (GL) stands on payout ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Dividend Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
Dividend Yield (TTM)0.79%0.98%
Dividend Payout Ratio (TTM)8.43%14.74%

Valuation

P/E Ratio (TTM)

Globe Life (GL) trades at P/E ratio of 10.52, near the industry’s usual earnings multiple. The stock is not showing a clear peer discount or premium on trailing earnings.

GL

Insurance industry group

10.52

Group distribution
Max
28.37
Q3
18.75
Median
12.23
GL
10.52
Q1
9.08
Min
2.32
Largest peers
AJG
42.99
MRSH
24.50
MFC
17.23
CB
12.79
PGR
11.47
GL
10.52
TRV
10.39
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Where Globe Life (GL) stands on P/E ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/S Ratio (TTM)

Globe Life (GL) trades at 1.89 on P/S ratio, roughly in the peer group’s normal range. The market is not making a strong cheap-or-rich statement about its revenue base.

GL

Insurance industry group

1.89

Group distribution
Max
4.03
Q3
2.25
GL
1.89
Median
1.23
Q1
0.85
Min
0.07
Largest peers
AJG
4.58
MRSH
3.42
CB
2.25
MFC
2.11
GL
1.89
TRV
1.66
PGR
1.44
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Where Globe Life (GL) stands on P/S ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

P/B Ratio (MRQ)

Globe Life (GL) trades at 1.81 on P/B ratio, roughly in line with the industry’s normal price-to-book range. Its balance sheet is not being priced at a clear discount or premium versus peers.

GL

Insurance industry group

1.81

Group distribution
Max
5.07
Q3
2.79
GL
1.81
Median
1.76
Q1
1.23
Min
0.30
Largest peers
MRSH
6.64
PGR
3.82
AJG
3.00
TRV
2.79
MFC
2.13
CB
1.91
GL
1.81
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Where Globe Life (GL) stands on P/B ratio within its Insurance peer group — the box is the group’s distribution and the dots its largest members.

Valuation Metrics

Globe Life (GL) metric values compared with Insurance industry-group medians
MetricCurrent stock: GLIndustry group median
P/E Ratio (TTM)10.5212.23
P/S Ratio (TTM)1.891.23
P/B Ratio (MRQ)1.811.76
Free Cash Flow Yield (TTM)----