GL Globe Life
Intrinsic value$135.52
Price (at call)$172.92
Margin of safety
-21.6%
vs market (rating basis)
+1.1%
Model unavailable; showing baseline valuation.
⚠ LLM error: unbalanced JSON in response: '{\n "story": "Globe Life is a high-quality, capital-efficient life and supplemental health insurer serving lower-middle-income America through captive agency distribution (American Income Life et al.)'; using baseline
The story
Value drivers
| Return on equity (normalized) | 15.0% |
| Book-value growth (Y1) | 4.7% |
| Terminal book growth | 3.0% |
| Beta | 0.50 |
| Failure probability | 0.0% |
| Cost of equity | 7.2% |
Valuation bridge
| PV of excess returns | 2.49B |
| PV of terminal excess | 2.06B |
| Equity value | 10.52B |
| ÷ shares → per share | $135.52 |
News
neutral -0.15 · 8 articles
- Life Insurance Stocks Q2 Recap: Benchmarking Globe Life (NYSE:GL)
- Globe Life Co-CEOs Matt Darden + Frank Svoboda Discuss Company’s Texas Strategy
- NYSE Texas Office Opening: Globe Life Co-CEOs Cover Lone Star State Importance
- 3 Insurance Stocks We Keep Off Our Radar
- Want Double-Digit Gains From Insurance Stocks? Morgan Stanley Suggests 2 Names to Consider
- 3 Reasons to Avoid GL and 1 Stock to Buy Instead
- Globe Life's Health Insurance Growth Powers Earnings Momentum
- Globe Life (GL) Down 0.3% Since Last Earnings Report: Can It Rebound?
Projected excess returns on equity
| Yr | Book equity | ROE | Excess return | PV |
|---|---|---|---|---|
| 1 | 5.97B | 15.0% | 465.36M | 434.06M |
| 2 | 6.25B | 14.4% | 446.88M | 388.79M |
| 3 | 6.53B | 13.7% | 424.90M | 344.81M |
| 4 | 6.82B | 13.1% | 399.34M | 302.27M |
| 5 | 7.10B | 12.4% | 370.14M | 261.31M |
| 6 | 7.37B | 11.8% | 337.24M | 222.08M |
| 7 | 7.65B | 11.1% | 300.66M | 184.67M |
| 8 | 7.92B | 10.5% | 260.39M | 149.18M |
| 9 | 8.19B | 9.9% | 216.49M | 115.69M |
| 10 | 8.45B | 9.2% | 169.03M | 84.25M |