Stocks · Financial Services · Insurance - Life
Globe Life Inc. GL
$165.68 -0.09% Close, Oct 2, 2026 · NYSE · Market cap $12.86B
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin narrowed to 9.2% from 22.4% a year earlier.
- Net debt is 4.3× EBITDA, a high level of leverage.
- The stock is in an uptrend: above its 200-day average for 130 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth26Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 46%
- EPS growth (TTM, YoY)Top 48%
- FCF growth (TTM, YoY)Bottom 27%
- Revenue growth, 3-year CAGRBottom 16%
- Revenue growth accelerationTop 35%
Quality36Weak
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 48%
- Gross marginBottom 5%
- Operating marginBottom 20%
- Cash conversion (OCF / net income)Bottom 49%
- Accruals (lower is better)Top 40%
- Net debt / EBITDA (lower is better)Bottom 30%
- Interest coverTop 23%
Value70Positive
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 24%
- Free-cash-flow yieldTop 39%
- EBITDA / enterprise valueBottom 35%
- Sales / enterprise valueTop 34%
- P/E vs own 5-year history (lower is better)Top 36%
Momentum58Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 31%
- 6-month returnTop 27%
- 1-year return vs S&P 500Top 34%
- Distance from 52-week highBottom 39%
- Trend checklist (0–4)Top 48%
Revisions13Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 30%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyBottom 34%
- Upside to consensus price targetBottom 34%
Stability29Very weak
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 41%
- Maximum drawdown, 3 yearsBottom 11%
- Beta vs S&P 500 (lower is better)Top 33%
- Net debt / EBITDA (lower is better)Bottom 30%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.0% | 5.3% | ↑ |
| EPS growth (YoY) | 18.0% | 20.7% | ↑ |
| Gross margin | 32.2% | 17.0% | ↓ |
| Operating margin | 22.4% | 9.2% | ↓ |
| FCF margin | 22.9% | 19.9% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 5.3% | 4.0% | ↑ | Bottom 46% |
| EPS growth (TTM, YoY) | 20.7% | 18.0% | ↑ | Top 48% |
| Gross margin | 17.0% | 32.2% | ↓ | Bottom 5% |
| Operating margin | 9.2% | 22.4% | ↓ | Bottom 20% |
| Net margin | 19.6% | 18.1% | ↑ | — |
| Free-cash-flow margin | 19.9% | 22.9% | ↓ | — |
| Return on invested capital | 1.5% | — | Top 48% | |
| Revenue growth, 3-year CAGR | 4.7% | — | Bottom 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.15×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.0%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -20.2 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 4.26×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 4.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.70%
- Net buyback yield (TTM)
- 5.45%
- Shareholder yield
- 6.16%
- Share count change, 1 year
- -3.6%
- Share count change, 3-year CAGR
- -6.1%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- +0.1%
- Average 2-day reaction, last 8
- +0.3%
- Positive 20 days after report
- 3 of 8
Analysts
- Consensus price target
- $183.00
- Target vs current price
- +10.5%
- Analysts with a rating
- 28
- Share rating Buy or Strong Buy
- 36%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | -1.6% | -0.2% | -2.8% | -3.4% | — |
| Apr 22, 2026 | -1.2% | +0.2% | +1.2% | -0.7% | +22.4% |
| Feb 4, 2026 | -1.5% | +0.8% | -1.2% | +0.8% | +7.4% |
| Oct 22, 2025 | +4.6% | -0.3% | -1.2% | -3.1% | +2.2% |
| Jul 23, 2025 | +0.6% | +1.6% | +16.6% | +11.3% | +12.4% |
| Apr 30, 2025 | -5.0% | -0.5% | -2.9% | -3.2% | +9.0% |
| Feb 5, 2025 | +0.6% | +0.5% | -0.8% | +3.1% | -3.8% |
| Oct 23, 2024 | +14.1% | -0.2% | -3.7% | -1.6% | +7.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $3.61 | $3.67 | -1.6% | $1.60B |
| Apr 22, 2026 | $3.43 | $3.47 | -1.2% | $1.56B |
| Feb 4, 2026 | $3.39 | $3.44 | -1.5% | $1.52B |
| Oct 22, 2025 | $4.81 | $4.60 | +4.6% | $1.51B |
| Jul 23, 2025 | $3.27 | $3.25 | +0.6% | $1.48B |
| Apr 30, 2025 | $3.07 | $3.23 | -5.0% | $1.48B |
| Feb 5, 2025 | $3.14 | $3.12 | +0.6% | $1.47B |
| Oct 23, 2024 | $3.49 | $3.06 | +14.1% | $1.46B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 12.4× | 38th | Top 24% |
| P/E (forward) | 10.5× | — | — | — |
| EV / EBITDA | 24.6× | — | — | Bottom 35% |
| EV / Sales | 2.51× | — | — | Top 34% |
| Free-cash-flow yield | 9.58% | — | — | Top 39% |
| Earnings yield | 9.11% | — | — | Top 24% |
P/E over the past five years
Range 8.0× – 15.2× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +17.5%
- Earnings per share growth (TTM)
- +20.7%
- Change in P/E multiple
- +7.9%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 130
- 50-day average slope (20 days)
- -2.2%
- 200-day average slope (20 days)
- +2.4%
- Distance from 50-day average
- -5.1%
- Distance from 200-day average
- +5.3%
- RSI (14)
- 32.6
- Relative volume
- 0.68×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.8%
- Volatility vs own 5-year history
- 48th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.48
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -10.9%
- Maximum drawdown, 3 years
- -61.7%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Feb 28, 2024 | Apr 11, 2024 | -61.7% | 30 days | 222 days (Mar 3, 2025) |
| Jun 4, 2021 | Dec 1, 2021 | -19.9% | 125 days | 211 days (Oct 4, 2022) |
| Jan 6, 2023 | May 31, 2023 | -16.4% | 99 days | 129 days (Dec 4, 2023) |
| Apr 2, 2025 | Apr 8, 2025 | -14.9% | 4 days | 74 days (Jul 25, 2025) |
| Sep 23, 2025 | Nov 20, 2025 | -11.0% | 42 days | 51 days (Feb 5, 2026) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $12.86B
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $15.10
- Revenue (TTM)
- $6.20B
- Dividend yield
- 0.76%
- 52-week range
- $127.85 – $191.55
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $5.12B | $5.23B | $5.45B | $5.78B | $6.00B |
| Gross profit | $1.69B | $1.54B | $1.64B | $1.87B | $2.00B |
| Operating income | $1.27B | $1.10B | $1.19B | $1.33B | $1.46B |
| Net income | $1.03B | $894.4M | $970.8M | $1.07B | $1.16B |
| EPS (diluted) | $7.22 | $9.04 | $10.07 | $11.94 | $14.06 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.46B | $1.47B | $1.48B | $1.48B | $1.51B | $1.52B | $1.56B | $1.60B |
| Net income | $303.0M | $255.2M | $254.6M | $252.7M | $387.8M | $266.0M | $270.5M | $287.7M |
| EPS (diluted) | $3.44 | $3.01 | $3.01 | $3.05 | $4.71 | $3.29 | $3.45 | $3.65 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.44B | $1.42B | $1.48B | $1.40B | $1.40B |
| Capital expenditure | -$38.2M | -$27.9M | -$49.6M | -$71.0M | -$142.5M |
| Free cash flow | $1.40B | $1.39B | $1.43B | $1.33B | $1.25B |
| Dividends paid | -$80.0M | -$80.5M | -$84.1M | -$85.5M | -$86.1M |
| Net share buybacks | -$471.6M | -$348.0M | -$397.0M | -$950.3M | -$716.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $455.4M
- Total assets
- $31.56B
- Total liabilities
- $25.41B
- Total debt
- $2.94B
- Net debt
- $2.69B
- Shareholders’ equity
- $6.16B
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 5, 2026 | $0.33 | Oct 30, 2026 |
| Jul 6, 2026 | $0.33 | Jul 31, 2026 |
| Apr 2, 2026 | $0.33 | May 1, 2026 |
| Jan 5, 2026 | $0.27 | Jan 30, 2026 |
| Oct 3, 2025 | $0.27 | Oct 31, 2025 |
| Jul 3, 2025 | $0.27 | Aug 1, 2025 |
| Apr 3, 2025 | $0.27 | May 1, 2025 |
| Jan 6, 2025 | $0.24 | Jan 31, 2025 |
Short interest
- Shares sold short
- 2,064,855
- Days to cover
- 6.16
- Change vs previous report
- +0.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 2, 2014
- 3-for-2
- May 15, 2013
- 1-for-10
- May 3, 2013
- 5-for-6
- Jul 5, 2011
- 3-for-2
- Aug 4, 1997
- 2-for-1