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Globe Life Inc. (G1LL34) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of Globe Life Inc. BRL 26.86, price BRL 42.45, upside -36.7%, quality 65 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · BR · Home US

GL Some data Sep 29, 2026

Globe Life Inc.

G1LL34 · SA

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value R$26.86 · Strongly overvalued (−36.7%)
✓Quality 65/100
✓Healthy Growth (revenue 3y +4.7 %/yr)
✓Solidly profitable · 19.4% net margin (TTM)
✓Low debt · generates free cash flow
✓2.7% dividend yield · Well covered
✓Ranks above peers (6/10)
✓Wide moat 68/100
!Evidence only medium, so the estimate is less certain
!Weak on future: 27 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

R$46.63 R$14.32 Fair Value R$26.86 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 29, 2026.

How to read this chart

60‑month range R$14.32 – R$46.63 · fair‑value band R$21.78 – R$37.47 · the R$42.45 price screens above the R$26.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 29, 2026.

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Company profile

Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products to lower middle- and middle-income families in the United States. It operates in three segments: Life Insurance, Supplemental Health Insurance, and Investments.

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Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products to lower middle- and middle-income families in the United States. It operates in three segments: Life Insurance, Supplemental Health Insurance, and Investments. The company offers whole, term, and other life insurance products, as well as life insurance for children; Medicare supplement and limited-benefit supplemental health insurance products, such as accident, cancer, critical illness, heart, intensive care, and other health products; and final expense, accidental death, mortgage protection, and hospital insurance products. It sells its products through direct-to-consumer channels, exclusive independent agents, general agency independent agents, and brokers. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was founded in 1900 and is headquartered in McKinney, Texas.

Stock analysis

Globe Life Inc. (G1LL34) currently trades at R$42.45, while our model-based Fair Value estimate is R$26.86, 36.7% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of R$29.89 per share, and 1 of the 6 models we run sit above the R$42.45 price.

Bear case: the Dividend Discount group reads lowest at R$4.00, and 5 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: R$21.78 (bear) to R$37.47 (bull), the price of R$42.45 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 65/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Globe Life Inc. reported revenue of $6.0B in FY2025 versus $5.2B in FY2022, a compound +4.7%/yr. Reported net income was $1.2B in FY2025, compounding +9.1%/yr from FY2022.

Key figures

Market cap R$72.4B (≈ $13.9B) · P/E ratio 11.4 · P/S ratio 2.20 · EPS (TTM) R$3.74 · Dividend yield 2.7% · Net margin 19.4% · Return on equity 20.5% · Return on assets (EBIT) 4.8%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).

What moves the price

The share trades about 9% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −37%, G1LL34 screens richer than that median.

Fair Value models

Bear R$21.78 Fair Value R$26.86 Bull R$37.47
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (R$1.97 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income R$24.23 R$29.89 R$44.27 72
DDM Multi-Stage R$2.66 R$4.00 R$5.47 64
Gordon GGM R$2.66 R$4.88 R$7.84 63
All 6 models by family
Dividend Discount
Gordon GGM R$2.66 R$4.88 R$7.84 63
DDM Multi-Stage R$2.66 R$4.00 R$5.47 64
Multiples
P/E Multiple R$38.08 R$50.77 R$63.46 63
P/B Multiple R$21.10 R$28.13 R$35.16 55
Asset-Based
NCAV (Graham) R$10.05 R$13.46 R$20.09 54
Economic Profit
Residual Income R$24.23 R$29.89 R$44.27 72

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Quality Score breakdown

Overall quality 65/100

Of which business quality 52 · Market factors (momentum, volatility) 64

Profitability 48
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 76
Earnings quality: real cash, not paper profit
Fin. Strength 2
Balance sheet, leverage, solvency risk
Investment 65
Disciplined investing over empire-building
Low Volatility 90
Calm price path (market factor)
Momentum 51
Price trend over the last 3–12 months (market factor)
52W Momentum 55
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 78/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+3.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
What shareholders gained per year (last 3 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 3 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+17.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.4%
Dividend (yield on the price)2.7%
Profit margin 2022 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 26%

G1LL34 screens overvalued: fair value 37% below the price. Compare with China Life Insurance Company →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 88 stocks

Beats the industry median on 6/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside −26.3% · Below median
Profitability
Return on equity (TTM) 20.5% · Top 25%
Return on assets 3.3% · Top 25%
Net margin (TTM) 19.4% · Above median
Operating margin (TTM) 23.8% · Above median
Growth and dividend
Revenue growth 5.4% · Below median
Dividend yield (TTM) 2.7% · Below median
Balance sheet
Debt / equity 0.39× · Above median

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (TTM) 11.4× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 2
FUTURE (revenue growth)27 · sector 42
PAST (return on equity)82 · sector 49
HEALTH (low debt)81 · sector 87
DIVIDEND (yield)54 · sector 57

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
China Life Insurance Company 601628 ¥37.43 ¥49.98 +34%
Ping An Insurance (Group) Company 601318 ¥53.29 ¥67.19 +26%
AIA Group 1299 HK$73.75 HK$41.69 −43%
Manulife Financial Corporation MFC $42.59 $27.37 −36%
MetLife, Inc MET $94.35 $54.39 −42%
Great-West Lifeco Inc GWO C$93.34 C$42.07 −55%
Aflac Incorporated AFL $111.18 $67.02 −40%
Life Insurance Corporation LICI ₹409.05 ₹299.19 −27%
Cathay Financial Holding 2882 110.50 TWD 71.47 TWD −35%
China Pacific Insurance (Group) Co 601601 ¥30.88 ¥48.28 +56%

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Globe Life Inc. · Fair Value
R$26.86 −37%Fair Value
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Cite: Fair Value Calculator (2026). "Globe Life Inc. Fair Value". https://www.fairvalue-calculator.com/stock/G1LL34

Frequently asked questions

Is Globe Life Inc. (G1LL34) overvalued or undervalued?
As of Sep 29, 2026, our model estimates a fair value of R$26.86 versus a price of R$42.45, about −37% upside (overvalued).
What is the fair value of G1LL34?
Our model-based fair value for Globe Life Inc. is R$26.86 (as of Sep 29, 2026), built from audited fundamentals. The current price: R$42.45.
What is the quality score of G1LL34?
Globe Life Inc. has a Quality Score of 65/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Globe Life Inc. (G1LL34)?
Our model-based price target is the fair value of R$26.86 (as of Sep 29, 2026) from 6 valuation models. Cautious scenario R$21.78, optimistic scenario R$37.47. It is a calculation from audited fundamentals, not an analyst target.
What is the Globe Life Inc. stock forecast for 2026?
Our models put fair value at R$26.86, about −37% upside versus a price of R$42.45 (overvalued). Cautious scenario R$21.78, optimistic scenario R$37.47. The calculation is refreshed regularly with new filings.
What is the revenue of Globe Life Inc. (G1LL34)?
Globe Life Inc. reported trailing-twelve-month revenue of about $6.1B (latest available figure, as of Sep 29, 2026).
Does Globe Life Inc. pay a dividend?
Globe Life Inc. currently shows a dividend yield of about 2.69% relative to its recent price (as of Sep 29, 2026).
What is the intrinsic value of Globe Life Inc. (G1LL34)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Globe Life Inc. it is R$26.86 per share (as of Sep 29, 2026), against a price of R$42.45. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Globe Life Inc. stock overvalued or undervalued in 2026?
As of Sep 29, 2026, G1LL34 trades above its calculated fair value: price R$42.45, fair value R$26.86, a gap of about −37% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of G1LL34?
No. The price is what the market pays today (R$42.45); the fair value is what the company's own numbers justify (R$26.86). For Globe Life Inc. the two are R$15.59 per share apart. That gap is exactly why we show both numbers side by side.
How much is Globe Life Inc. worth?
The market values Globe Life Inc. at about R$72.4B (market capitalisation, as of Sep 29, 2026). Per share that is R$42.45; our models calculate a fair value of R$26.86 per share.
What do the bullish and bearish scenarios say about G1LL34?
Our models span a range for Globe Life Inc.: cautious scenario R$21.78, base R$26.86, optimistic R$37.47 per share (as of Sep 29, 2026, price R$42.45). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of G1LL34?
Globe Life Inc. trades at a price-to-earnings ratio of 11.4 (as of Sep 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$26.86 is built from several models across several years.
How solid is the balance sheet of Globe Life Inc. (G1LL34)?
Balance-sheet figures for Globe Life Inc. (as of Sep 29, 2026): return on equity 20.5%, debt of 0.39 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is G1LL34 from its 52-week high?
Globe Life Inc. trades at R$42.45, about 9% below its 52-week high of R$46.63 and 22% above the low of R$34.66 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of R$26.86 is for.
Which stocks are comparable to Globe Life Inc.?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Globe Life Inc. stock attractive at the current price?
The data as of Sep 29, 2026: price R$42.45, calculated fair value R$26.86 (−37%), Quality Score 65/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of G1LL34 calculated?
We run Globe Life Inc. through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of R$26.86, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Globe Life Inc. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Globe Life Inc. (G1LL34)?
The closing price on Oct 1, 2026 was R$42.45. Our model-based fair value is R$26.86, about −37% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Globe Life Inc. right now?
The price sits above even our optimistic bull case (R$37.47). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Globe Life Inc.

How large is the market capitalisation of Globe Life Inc. (G1LL34)?
The market capitalisation of Globe Life Inc. is R$72.4B (≈ $13.9B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Globe Life Inc. (G1LL34)?
The price-to-sales ratio of Globe Life Inc. is 2.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Globe Life Inc. (G1LL34)?
Earnings per share at Globe Life Inc. are R$3.74 (price ÷ EPS = P/E 11.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Globe Life Inc. (G1LL34)?
The dividend yield of Globe Life Inc. is 2.7% (payout 30.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Globe Life Inc. (G1LL34)?
The net margin of Globe Life Inc. is 19.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Globe Life Inc. (G1LL34)?
The return on equity (ROE) of Globe Life Inc. is 20.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Globe Life Inc. (G1LL34)?
On an EBIT basis the return on assets of Globe Life Inc. is 4.8% (avg 4y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Globe Life Inc. (G1LL34)?
The operating margin of Globe Life Inc. is 23.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Globe Life Inc. (G1LL34)?
Revenue at Globe Life Inc. is growing +5.4% versus a year earlier (3y avg +4.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Globe Life Inc. (G1LL34)?
Earnings per share at Globe Life Inc. are growing +12.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Globe Life Inc. (G1LL34) generate?
The free cash flow of Globe Life Inc. is $1.3B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Globe Life Inc. (G1LL34) carry?
The net debt of Globe Life Inc. is $2.5B (fiscal year 2025, ≈ 2.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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