Globe Life

Insurance - Life · Financial Services

Price

$184.76

+0.20 (+0.11%)

Market Cap

$14.35B

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−21.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 103.2M (2021) → 80.9M (2025)

Globe Life sells life insurance and health insurance to everyday American families. Its most well-known brands include Globe Life, American Income Life, and Liberty National. The company focuses on lower- and middle-income households, offering simple, affordable policies — often with no medical exam required.

Globe Life makes money by collecting monthly or annual premiums from policyholders. It operates almost entirely in the United States and has roughly 17 million policies in force, giving it a large, stable base of recurring revenue. The company sells many of its policies through direct-to-consumer channels like direct mail and online, as well as through a network of exclusive agents. Its main competitive advantage is low-cost distribution and strong brand recognition in its target market. The key risk is rising claims costs and potential fraud exposure — the company faced short-seller allegations in 2024 questioning its sales practices, which added uncertainty for investors.

Winston Score History

Politician Trades

2 trades / 12mo

1 Congressional buy and 1 sell on GL in the last 12 months.

Unlock the full Smart Money Map — every trade plotted on the price chart with politicians, amounts and returns since each trade. Founder's Deal is $57/mo locked for life.

Unlock politician trades

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.3% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+13.1% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.8%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$255M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

Globe Life is growing revenue at 5% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

Each metric is explained in plain language so you know exactly what you're looking at. Start your free trial now.

Quality

Gross Margin

49.4%

Healthy — 49.4% gross margin

Operating Margin

23.6%

Excellent — 23.6% operating margin

ROCE

4.2%

Weak — 4.2% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Growth

Sales YoY

+4.0%

Slow sales growth (4.0% YoY)

EPS YoY

+18.8%

Earnings growing fast (18.8% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Cash Flow

Cash Conversion

118%

Turns 118% of profit into real cash

FCF Margin

20.2%

Converts sales into free cash efficiently (20.2%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Stability

Debt / Equity

0.46

Conservative — low debt load (0.46)

Interest Cover

10.80x

Comfortably covers interest (10.8x)

Interest coverage above 8. Profits cover interest many times over.

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Valuation

P/E Ratio (TTM)

12.6x

Attractive valuation — P/E 12.6

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.8

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

Dividends

Dividend Yield

0.63%

Small dividend — 0.63% yield

Modest yield. The bulk of any return needs to come from price appreciation.

Dividend Growth

+17.6%

Dividend growing fast (17.6% YoY)

Full breakdown available with your free trial

See every metric, trend, and what it means for this stock.

Try free

🔒 See full fundamentals and if they are improving or declining — click here for your free trial now.

Start free trial