# Globe Life Inc. (GL) fundamentals

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Insurance. Price $174.27, market value $13.4 billion.

## Valuation
- **P/E (trailing): 11.6×** (5-yr avg 10.6×, 3-yr avg 10.3×). Globe Life Inc. trades at 11.6× trailing earnings, close to its own five-year average of 10.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.6×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.59**. A PEG of 0.59 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 2.2×**. Each dollar of revenue is priced at 2.2×.
- **Price / book: 2.2×**. The shares trade at 2.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 9.2%** (5-yr avg 12.8%). Free cash flow equals 9.2% of the market value, below its five-year average of 12.8%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 8.6%**. The inverse of the P/E: 8.6% of the price is earned each year.

## Profitability
- **Net margin: 19.4%**. 19.4% of each dollar of sales reaches the bottom line.
- **Return on equity: 19.4%**. 19.4% on shareholders' equity is solid.
- **Return on assets: 3.9%**. Each dollar of assets produces 3.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.7%** (3-yr 4.7%/yr, 5-yr 4.8%/yr). Revenue grew 3.7% over the last year, against 4.8% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 17.8%** (3-yr 15.9%/yr, 5-yr 15.6%/yr). Earnings per share rose 17.8%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): -3.5%/yr**. Free cash flow has compounded at -3.5% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 0.76%** ($1.20 per share, trailing). Globe Life Inc. yields 0.76%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 7%** (7% of free cash flow). 7% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 10**. 10 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 7.3%/yr** (1-yr 11.1%). The dividend has grown 7.3% a year over five years.

## Price and momentum
- **Total return (1 yr): 24.2%** (YTD 25.4%, 3-mo 9.7%). The shares are up 24.2% over twelve months including dividends.
- **From 52-week high: -9.0%** (36.3% above the low). Trading 9% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.34** (volatility 20%). Beta of 0.34 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=GL · Page: https://foliofundamentals.com/stocks/gl

Not investment advice.