Financials · Life & Health Insurance · US stock · price as of 22 Oct 2026
Key indicators
Price
$168.41
52-week range
$127.85 – $191.55
Market cap
$13.3B
P/E (trailing)
11.2×
Dividend yield
0.7%
Revenue (last 12 months)
$6.2B
Revenue growth (3y a year)
4.7%
Price / book
2.2×
Return on equity
19.7%
Fair value
Fair value (average of valid models)$149.55 middle half of models $138 – $167
Versus priceFair−11% to fair value
P/E multiple
$166.34
P/B multiple
$170.84
P/S multiple
$146.41
Dividend discount, multi-stage
$114.61
Model uncertainty
Medium
X-Ray Score
49/ 100 · Medium confidence · ahead of 38% of sector peers
Valuation42
Growth42
Profitability58
Financial health51
Dividends48
Five-year price chart navy: price · brown: 200-day average · blue band: fair value range
Executive summary
Globe Life is an insurance holding company that sells life and supplemental health insurance mainly to middle-income households in the United States. It reaches customers through direct-to-consumer marketing, agencies and employer or association channels. Revenue comes from premiums paid by policyholders and from investment income earned on the assets backing its policy obligations, so claims experience and investment returns shape its results.
Trailing twelve-month revenue stands at $6.2 billion. Revenue growth over three years averaged 4.7% a year. Operating margin is 26.4% and return on invested capital is 15%. It pays a dividend with a yield of 0.7%. These figures describe past results as reported and are a factual snapshot, not a forecast. Some measures, such as margins for real estate trusts and banks, are defined differently from those of industrial firms, so comparisons should be made with care.
StocksXray gives Globe Life Inc. an X-Ray Score of 49 out of 100 (medium confidence), ahead of 38% of the S&P 500 stocks in its sector. Its strongest lens is profitability (58) and its weakest is growth (42).
Our fair value (the average of the valid models) is $149.55 (range $138.46 to $167.47). At $168.41 the stock trades 13% above that value, so the label is "Fair" with medium model uncertainty. Fair value is a range, not a price target.
XStocksXray
Globe Life Inc. (GL)
Valuation history multiples at each fiscal year-end price; the last column uses today's price and the last twelve months
FY2021
FY2022
FY2023
FY2024
FY2025
Now
Price
$89.88
$116.56
$118.63
$109.70
$138.73
$168.41
Market cap
$9.3B
$11.5B
$11.4B
$9.8B
$11.4B
$13.3B
P/E
9.0×
12.9×
11.8×
9.2×
9.9×
11.2×
Price / book
4.6×
2.9×
2.5×
1.9×
1.9×
2.2×
Dividend yield
0.88%
0.71%
0.76%
0.88%
0.78%
0.75%
Fundamentals checklist ● 2 Good · ● 3 Average · ● 2 Bad · each check graded against the sector
Risk models
Piotroski F-Score8 of 9Good
Growth
EPS growth (3y)15.9%Average
Revenue growth (3y)4.7%Bad
Growth consistency100%Good
Valuation
Fair value vs price0.9×Bad
Profitability
Return on invested capital15.3%Average
Operating margin26.4%Average
XStocksXray
Globe Life Inc. (GL)
Financials US$ millions, from SEC filings; last column is the last twelve months
Income statement
FY21
FY22
FY23
FY24
FY25
LTM
Revenue
5,112
5,227
5,448
5,778
5,994
6,192
Net income
1,031
894
971
1,071
1,161
1,212
Diluted EPS ($)
9.99
9.04
10.07
11.94
14.07
15.00
Net margin
20.2%
17.1%
17.8%
18.5%
19.4%
19.6%
Balance sheet
FY21
FY22
FY23
FY24
FY25
LTM
Total assets
29,768
25,987
28,051
29,076
30,814
31,563
Cash
92
93
103
165
145
257
Total debt
2,176
2,243
2,116
2,740
2,625
2,943
Equity
2,004
3,950
4,487
5,306
5,975
6,156
Dividend per share ($)
0.79
0.83
0.90
0.96
1.08
–
Revenue and net income US$ billions: navy revenue, teal net income
Every number comes from SEC filings, end-of-day prices and the StocksXray models described on the methodology page. The X-Ray Score ranks each metric against the company's own sector. Fair value is the average of up to 15 valuation models, most of them anchored to the company's own multiples, so it stays near the price and should be read as a range, not a point. Analyst ratings, price targets and earnings-call summaries are not part of this report. Educational research, not financial advice; read the disclaimer.
