Is GL a good stock to buy right now?

Based on our 6-factor quantitative model, GLOBE LIFE INC. (GL) receives a "Hold" rating with a composite score of 41.2/100. It is ranked #867 out of 4,446 stocks. Key factor scores: Quality 25/100, Value 54/100, Momentum 46/100. The timing signal is "Bullish". This is quantitative analysis only — not investment advice.

What is the stock rating for GL?

GLOBE LIFE INC. (GL) has a "Hold" rating and 3-star score. The composite score of 41.2 ranks it #867 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is GL in?

GLOBE LIFE INC. operates in the Financials sector (Insurance industry) with a market cap of $11.02 billion. It is classified as a large-cap stock.

Does GL pay a dividend?

Yes, GL pays a dividend with a current yield of 0.71%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $7.10 in annual dividend income.

What is GL's P/E ratio?

GL has a trailing P/E ratio of 9.71x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is GL?

GL's quality factor score is 25/100. Gross margin: 49.9%. ROE: 19.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is GL valued compared to peers?

GL's value factor score is 54/100 (higher = cheaper). Key multiples: P/E 9.7x, EV/EBITDA 7.1x. Valuation is roughly in line with peers.

What is GL's debt level?

GL's debt-to-equity ratio is 416%. Sector average: 121%. Elevated leverage increases credit risk.

GL has a beta of 0.57, meaning it is less volatile than the market. Stability score: 86/100.

Does GL have high short interest?

GL's short interest factor score is 24/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

GL Stock Analysis: Hold (Score 41.2/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
GL	-1.05%	+2.27%	+2.05%	+4.28%	+22.97%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-0.99%	-1.33%	+1.71%	+4.64%	-6.56%	-	-	-
Alpha vs Sector	+0.04%	-0.23%	+0.63%	+11.58%	+12.38%	-	-	-

Metric	GL	Benchmark
P/E Ratio	9.7x	-35%
EV/EBITDA	7.1x	+118%
Price / Book	1.9x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
GL GLOBE LIFE INC.	41	25	54	46	9.7x	19.4%	49.9%	19.3%	4.4%	416.0x	$11.0B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.5%	-	-	0.2%	0.2%	0.2%	0.5%	0.5%	0.5%	-1.6%	0.5%
Operating Margin %	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	0.2%	-2.7%	0.2%
EBITDA Margin %	0.3%	0.3%	0.2%	0.2%	0.2%	0.2%	0.3%	0.3%	0.3%	0.3%	0.3%
Net Margin %	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.2%	0.2%	0.2%	1.7%	0.1%
FCF Margin %	10.4%	-	-	-	-	-	30.3%	29.2%	28.6%	33.9%	34.9%
ROE %	0.2%	0.2%	0.2%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.2%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.1%	0.0%
ROIC %	0.0%	0.0%	19.8%	16.3%	11.7%	6.6%	7.3%	9.0%	10.8%	9.5%	31.3%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.5%

0.2%

0.5%

-1.6%

0.5%

Operating Margin %

0.2%

-2.7%

0.2%

EBITDA Margin %

0.3%

0.2%

0.3%

Net Margin %

0.2%

0.1%

0.2%

1.7%

0.1%

FCF Margin %

10.4%

30.3%

29.2%

28.6%

33.9%

34.9%

ROE %

0.2%

0.1%

0.2%

0.1%

ROA %

0.0%

0.1%

0.0%

ROIC %

0.0%

19.8%

16.3%

11.7%

6.6%

7.3%

9.0%

10.8%

9.5%

31.3%

Line Item	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$6.0B	$6.0B	$5.8B	$5.4B	$5.2B	$5.1B	$4.7B	$4.5B	$4.3B	$4.2B	$3.9B	$2.8B
	—	—	—	$4.2B	$4.2B	$4.3B	—	—	—	—	—	—
	—	—	—	$1.3B	$983M	$853M	$2.2B	$2.2B	$2.0B	$1.9B	$3.3B	$2.2B
Gross Margin	49.9%	---	---	23.1%	18.9%	16.7%	45.7%	47.9%	47.1%	-155.3%	45.9%	83.0%
	—	—	—	—	—	—	$576M	$552M	$517M	$490M	$469M	$446M
Amortization	—	$448M	—	—	—	—	—	—	—	—	—	—
Total Operating Expenses	—	$4.6B	$4.5B	-$5M	-$8M	-$12M	—	—	—	—	—	—
	$1.1B	$1.4B	$1.3B	$1.3B	$991M	$865M	$983M	$1.0B	$954M	$915M	$2.3B	$2.2B
EBIT	$1.1B	$1.6B	$1.3B	$1.3B	$991M	$865M	$983M	$1.0B	$954M	$915M	$2.3B	$2.2B
EBITDA	$1.6B	$1.4B	$1.3B	$1.3B	$991M	$865M	$1.6B	$1.6B	$1.5B	$1.4B	$1.3B	$2.7B
Operating Margin	24.5%	24.0%	23.0%	23.2%	19.0%	16.9%	20.8%	22.4%	22.2%	-271.3%	21.7%	58.9%
EBITDA Margin	26.5%	33.8%	23.0%	23.2%	19.0%	16.9%	32.9%	34.6%	34.2%	33.8%	33.7%	93.8%
	—	$141M	$127M	$102M	$90M	$83M	$87M	$84M	$90M	$85M	$83M	$77M
	—	$1.4B	$1.3B	$1.2B	$906M	$912M	—	—	—	—	—	—
Income Tax Expense	—	$275M	$256M	$224M	$167M	$167M	$165M	$170M	$162M	-$628M	$233M	$250M
	$1.2B	$1.2B	$1.1B	$971M	$740M	$745M	$732M	$761M	$701M	$1.5B	$550M	$527M
Net Margin	19.3%	19.4%	18.5%	17.8%	14.2%	14.6%	15.4%	16.8%	16.3%	166.7%	14.0%	14.0%
	$3.28	$14.27	$11.99	$10.21	$7.55	$7.30	$6.90	$6.97	$6.22	$12.50	$4.58	$4.21
Diluted EPS	$3.28	$14.07	$11.94	$10.07	$7.47	$7.22	$6.90	$6.97	$6.22	$12.50	$4.58	$4.21
Weighted Avg Basic	—	81M	89M	95M	98M	102M	—	—	—	—	—	—
Weighted Avg Diluted	—	83M	90M	96M	99M	103M	—	—	—	—	—	—

Line Item

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$6.0B

$5.8B

$5.4B

$5.2B

$5.1B

$4.7B

$4.5B

$4.3B

$4.2B

$3.9B

$2.8B

—

$4.2B

$4.3B

—

$1.3B

$983M

$853M

$2.2B

$2.0B

$1.9B

$3.3B

$2.2B

Gross Margin

49.9%

---

23.1%

18.9%

16.7%

45.7%

47.9%

47.1%

-155.3%

45.9%

83.0%

—

$576M

$552M

$517M

$490M

$469M

$446M

Amortization

—

$448M

—

Total Operating Expenses

—

$4.6B

$4.5B

-$5M

-$8M

-$12M

—

$1.1B

$1.4B

$1.3B

$991M

$865M

$983M

$1.0B

$954M

$915M

$2.3B

$2.2B

EBIT

$1.1B

$1.6B

$1.3B

$991M

$865M

$983M

$1.0B

$954M

$915M

$2.3B

$2.2B

EBITDA

$1.6B

$1.4B

$1.3B

$991M

$865M

$1.6B

$1.5B

$1.4B

$1.3B

$2.7B

Operating Margin

24.5%

24.0%

23.0%

23.2%

19.0%

16.9%

20.8%

22.4%

22.2%

-271.3%

21.7%

58.9%

EBITDA Margin

26.5%

33.8%

23.0%

23.2%

19.0%

16.9%

32.9%

34.6%

34.2%

33.8%

33.7%

93.8%

—

$141M

$127M

$102M

$90M

$83M

$87M

$84M

$90M

$85M

$83M

$77M

—

$1.4B

$1.3B

$1.2B

$906M

$912M

—

Income Tax Expense

—

$275M

$256M

$224M

$167M

$165M

$170M

$162M

-$628M

$233M

$250M

$1.2B

$1.1B

$971M

$740M

$745M

$732M

$761M

$701M

$1.5B

$550M

$527M

Net Margin

19.3%

19.4%

18.5%

17.8%

14.2%

14.6%

15.4%

16.8%

16.3%

166.7%

14.0%

$3.28

$14.27

$11.99

$10.21

$7.55

$7.30

$6.90

$6.97

$6.22

$12.50

$4.58

$4.21

Diluted EPS

$3.28

$14.07

$11.94

$10.07

$7.47

$7.22

$6.90

$6.97

$6.22

$12.50

$4.58

$4.21

Weighted Avg Basic

—

81M

89M

95M

98M

102M

—

Weighted Avg Diluted

—

83M

90M

96M

99M

103M

—

GLOBE LIFE INC. (GL) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does GLOBE LIFE INC. Do?

Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates through four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. It offers whole life, term life, and other life insurance products; Medicare supplement and supplemental health insurance, such as critical illness and accident plans; and single-premium and flexible-premium deferred annuities. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was incorporated in 1979 and is headquartered in McKinney, Texas. GLOBE LIFE INC. (GL) is classified as a large-cap stock in the Financials sector, specifically within the Insurance industry. The company is led by CEO Larry M. Hutchison and employs approximately 3,540 people, headquartered in MCKINNEY, Texas. With a market capitalization of $11.0B, GL is one of the prominent companies in the Financials sector.

GLOBE LIFE INC. (GL) Stock Rating — Hold (April 2026)

As of April 2026, GLOBE LIFE INC. receives a Hold rating with a composite score of 41.2/100 and 3 out of 5 stars from the Blank Capital Research quantitative model.GL ranks #867 out of 4,446 stocks in our coverage universe. Within the Financials sector, GLOBE LIFE INC. ranks #264 of 891 stocks, placing it in the upper half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

GL Stock Price and 52-Week Range

GLOBE LIFE INC. (GL) currently trades at $145.84. The stock lost $1.55 (1.1%) in the most recent trading session. The 52-week high for GL is $152.71, which means the stock is currently trading -4.5% from its annual peak. The 52-week low is $109.38, putting the stock 33.3% above its annual trough. Recent trading volume was 365K shares, suggesting relatively thin trading activity.

Is GL Overvalued or Undervalued? — Valuation Analysis

GLOBE LIFE INC. (GL) carries a value factor score of 54/100 in the Blank Capital model, indicating fair valuation relative to historical norms. The trailing price-to-earnings ratio is 9.71x, compared to the Financials sector average of 14.88x — a discount of 35%. The price-to-book ratio stands at 1.86x, versus the sector average of 1.22x. The price-to-sales ratio is 1.88x, compared to 0.90x for the average Financials stock. On an enterprise value basis, GL trades at 7.10x EV/EBITDA, versus 3.26x for the sector.

Overall, GL's valuation appears roughly in line with sector benchmarks, suggesting the market is pricing the stock fairly given its current fundamentals and growth trajectory. Neither deep value nor significantly overpriced, the stock occupies a middle ground on valuation.

GLOBE LIFE INC. Profitability — ROE, Margins, and Quality Score

GLOBE LIFE INC. (GL) earns a quality factor score of 25/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 19.4%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 3.8% versus the sector average of 1.2%.

On a margin basis, GLOBE LIFE INC. reports gross margins of 49.9%. The operating margin is 24.5% (sector: 21.8%). Net profit margin stands at 19.3%, versus 17.7% for the average Financials stock. Revenue growth is running at 4.4% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

GL Debt, Balance Sheet, and Financial Health

GLOBE LIFE INC. has a debt-to-equity ratio of 416.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 7.61x, indicating strong short-term liquidity. Cash and equivalents stand at $145M.

GL has a beta of 0.57, meaning it is less volatile than the S&P 500, making it a relatively defensive holding. The stability factor score for GLOBE LIFE INC. is 86/100, indicating low-volatility characteristics and consistent price behavior that appeals to risk-averse investors.

GLOBE LIFE INC. Revenue and Earnings History — Quarterly Trend

In TTM 2026, GLOBE LIFE INC. reported revenue of $5.99B and earnings per share (EPS) of $3.28. Net income for the quarter was $1.16B. Gross margin was 49.9%. Operating income came in at $1.11B.

In Q4 2025, GLOBE LIFE INC. reported revenue of $1.52B. Net income for the quarter was $266M. Gross margin was 49.9%.

In FY 2025, GLOBE LIFE INC. reported revenue of $5.99B and earnings per share (EPS) of $14.27. Net income for the quarter was $1.16B. Operating income came in at $1.44B.

In Q3YTD 2025, GLOBE LIFE INC. reported revenue of $4.47B. Net income for the quarter was $895M. Gross margin was 52.5%.

Over the past 8 quarters, GLOBE LIFE INC. has demonstrated a growth trajectory, with revenue expanding from $5.88B to $5.99B. Investors analyzing GL stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

GL Dividend Yield and Income Analysis

GLOBE LIFE INC. (GL) currently pays a dividend yield of 0.7%. At this yield, a $10,000 investment in GL stock would generate approximately $$71.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning GL yields less than the typical sector peer. With a net margin of 19.3%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

GL Momentum and Technical Analysis Profile

GLOBE LIFE INC. (GL) has a momentum factor score of 46/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 32/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 24/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

GL vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, GLOBE LIFE INC. (GL) ranks #264 out of 891 stocks based on the Blank Capital composite score. This places GL in the upper half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing GL against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full GL vs S&P 500 (SPY) comparison to assess how GLOBE LIFE INC. stacks up against the broader market across all factor dimensions.

GL Next Earnings Date

No upcoming earnings date has been announced for GLOBE LIFE INC. (GL) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy GL? — Investment Thesis Summary

GLOBE LIFE INC. presents a balanced picture with arguments on both sides. The quality score of 25/100 flags below-average profitability. Low volatility (stability score 86/100) reduces downside risk.

In summary, GLOBE LIFE INC. (GL) earns a Hold rating with a composite score of 41.2/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on GL stock.

Related Resources for GL Investors

Explore more research and tools: GL vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare GL head-to-head with peers: GL vs WTM, GL vs OPY, GL vs ACT.

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GLOBE LIFE INC. (GL) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does GLOBE LIFE INC. Do?

GLOBE LIFE INC. (GL) Stock Rating — Hold (April 2026)

GL Stock Price and 52-Week Range

Is GL Overvalued or Undervalued? — Valuation Analysis

GLOBE LIFE INC. Profitability — ROE, Margins, and Quality Score

GL Debt, Balance Sheet, and Financial Health

GLOBE LIFE INC. Revenue and Earnings History — Quarterly Trend

GL Dividend Yield and Income Analysis

GL Momentum and Technical Analysis Profile

GL vs Competitors — Financials Sector Ranking and Peer Comparison

GL Next Earnings Date

Should You Buy GL? — Investment Thesis Summary

Related Resources for GL Investors

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