Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
GL
BUYFLAGGlobe Life Inc. · Financial Services · United States · $13.5B · Avg Vol: $123M/d
Globe Life has quality Q63 and momentum M68 with a buyback on file, but value at V43 is below the calibrated floor, and insiders were net sellers, so stage one fails.
COMPANY DESCRIPTION
Globe Life Inc. is a financial services holding company specializing in providing supplemental health and life insurance products, primarily targeting middle-income individuals and specific affinity groups. The company employs a direct-to-consumer marketing model, which creates a competitive moat by enabling efficient customer acquisition and strong policyholder relationships within its niche markets. Its disciplined underwriting and consistent profitability support its stable market position.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.2B | 5.4B | 5.8B | 6.0B | 4.7% | 6.2B | 6.4B | 6.8B | 6.5% |
| EPS | 7.55 | 10.21 | 11.99 | 14.27 | 23.6% | 15.04 | 15.43 | 16.23 | 6.7% |
| Shares | 96.7M | 93.8M | 84.0M | 79.1M | -18.2% | 77.6M | — | — | — |
| Debt | 2.1B | 2.1B | 2.7B | 2.6B | 8.1% | 3.4B | — | — | — |
| Equity | 3.9B | 4.5B | 5.3B | 6.0B | 14.8% | — | — | — | — |
| Op CF | 1.4B | 1.5B | 1.4B | 1.4B | -0.6% | 1.4B | — | — | — |
| Inv CF | -943.0M | -926.1M | -641.5M | -643.6M | — | — | — | — | — |
| Fin CF | -492.5M | -541.5M | -715.8M | -768.1M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of GL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| GL | Globe Life Inc.(you) | $13.5B | 65 | BUY |
| UNM | Unum Group | $13.8B | 54 | HOLD |
| PRI | Primerica, Inc. | $9.8B | 77 | BUY |
| LNC | Lincoln National Corporation | $7.9B | 81 | STRONG BUY |
| GNW | Genworth Financial, Inc. | $3.8B | 64 | HOLD |
| CNO | CNO Financial Group, Inc. | $5.0B | 57 | HOLD |
| JXN | Jackson Financial Inc. | $8.3B | 45 | HOLD |
| MET.MX | MetLife, Inc. | $55.1B | 63 | HOLD |
| PRU | Prudential Financial, Inc. | $41.7B | 74 | BUY |
| BHF | Brighthouse Financial, Inc. | $3.6B | 80 | STRONG BUY |
Peer medians: ROE 9.7% · P/E 13.4x · Gross margin 100.0%