Globe Life

Insurance - Life · Financial Services

Price

$171.08

+0.59 (+0.35%)

Market Cap

$13.28B

Winston Score

Winston is serious

Mixed quality — meaningful strengths and weaknesses.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Weak

Growth

Good

Cash Flow

Exceptional

Stability

Strong

Valuation

Good

Dividends

Good

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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)

Winston Score History

The full picture

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.

Politician Trades

3 trades / 12mo

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

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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

+8.0% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

-211.7% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

0.8%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$20.7B 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 8% 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.

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Quality

Profit per sale

Gross Margin

-50.3%

Thin — -50.3% gross margin

Profit after running costs

Operating Margin

-39.4%

Losing money on operations — -39.4%

Return on the money invested

ROCE

6.5%

Weak — 6.5% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+5.3%

Slow sales growth (+5.3% YoY)

Profit growth

EPS YoY

-35.4%

Earnings shrinking (-35.4% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

7/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Profit that turns into cash

Cash Conversion

114%

Turns 114% of profit into real cash

Spare cash per sale

FCF Margin

19.8%

Converts sales into free cash efficiently (19.8%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns

Debt / Equity

0.46

Conservative — low debt load (0.46)

Covers its interest

Interest Cover

4.04x

Adequate interest coverage (4.0x)

Interest coverage between 3 and 8. Profits cover interest several times over.

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Valuation

Price vs profit

P/E Ratio (TTM)

11.2x

Attractive valuation — P/E 11.2

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

Cheaper or dearer next year

P/E vs Forward

+0.1

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

0.66%

Small dividend — 0.66% yield

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

Dividend record

Dividend Growth

+17.6%

Dividend growing fast (17.6% YoY)

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