Bull Rankings model

Globe Life Inc. (GL) stock analysis

Insurance - Life. Scored on the same transparent model behind the daily rankings.

★
GL
Globe Life Inc. · Insurance - Life
64.9Financial strength
$166.01Oct 13 close$12.8B
1Y Target$192.91Analyst consensus · 11 analysts
5Y Target$243.54Compound horizon
10Y Target$312.34Long-dated conviction
Rev+3.7%
C+
Revenue +3.7% — steady but below market-beating range
P/E11.0x
B+
P/E 11.0 — below the Financial Services median (≈40th pctile)
ROE20.9%
A-
ROE 20.9% — a high bar (above 20%)
P/B2.07
C+
P/B 2.07 — richly valued vs book
Yield0.8%
C
Yield 0.8% — minimal

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 64.9 / 100
Profitability90.9
Value (P/B)46.7
Income40.0

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
13% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Life · market cap $12.8b. 13% off the 52-week high of $191.55. 11 sell-side analysts rate this a Buy with a mean 1-yr target of $192.91 (implying +16% upside).
Moat
Net margin 20% beats the market median by a meaningful margin — the company is keeping more of every revenue dollar than the average S&P constituent. ROE 21% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $192.91 (11-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $243.54 at ~8% CAGR — dividend + buyback compounding. 10 yr $312.34 if the moat survives secular pressure.

Not enough history yet — the model records GL's score after each daily run, and the chart appears once a few days have accumulated.

GL at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY91VALUE47COVERED INCOME4064.9/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+20%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$166LOW $128HIGH $192Trading at the 60th percentile of its 52-week range ($128–$192).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-0.1%
90-day change-0.7%
Forward EPS estimate$16.50

Over the last 90 days, what analysts expect GL to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
12
Position size
$1,992
4.0% of portfolio
Stop price
$124.51
25% below $166.01
$ at risk if stopped
$498.03
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Globe Life Inc. (GL): score, valuation & FAQ

Globe Life Inc. (GL) is an Insurance - Life company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are ROE (A-) and P/E (B+).

Is GL a good stock to buy?

Bull Rankings grades GL on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by ROE (A-) and P/E (B+). A score is a quantitative screen of Globe Life Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade GL?

As a bank, insurer or REIT, GL isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on ROE (A-) and P/E (B+).

Is GL overvalued or undervalued?

We don't publish a discounted-cash-flow value for GL, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. GL is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in GL?

Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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