GL - NYSE
Globe Life Inc.
$151.20
-0.60%Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates through four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. It offers whole life, term life, and other life insurance products; Medicare supplement and supplemental health insurance, such as critical illness and accident plans; and single-premium and flexible-premium deferred annuities. The company was formerly known as Torchmark Corporation and changed its name to Globe Life Inc. in August 2019. Globe Life Inc. was incorporated in 1979 and is headquartered in McKinney, Texas.
At a Glance
Live SnapshotGlobe Life Inc. Fair Value Envelope
Owner Earnings Valuation Tool
Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation
Historical Financial Data
Base year metrics used for projections
Projection Settings
Forecast period and terminal assumptions
DCF Valuation Summary
Calculation flow from present value to intrinsic value per share
Owner Earnings Projections
Operating Cash Flow - Maintenance CapEx = Owner Earnings
| Metric | Year 1 | Year 2 | Year 3 | Year 4 | Year 5 | Year 6 | Year 7 | Year 8 | Year 9 | Year 10 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $1.3B | $1.2B | $1.2B | $1.1B | $1.0B | $974.4M | $917.7M | $864.3M | $814.0M | $766.6M |
| Maintenance CapEx | -$26.8M | -$25.3M | -$23.8M | -$22.4M | -$21.1M | -$19.9M | -$18.7M | -$17.6M | -$16.6M | -$15.6M |
| Owner Earnings | $1.3B | $1.2B | $1.1B | $1.1B | $1.0B | $954.6M | $899.0M | $846.7M | $797.4M | $751.0M |
| Discount Factor | 0.926 | 0.857 | 0.794 | 0.735 | 0.681 | 0.630 | 0.583 | 0.540 | 0.500 | 0.463 |
| Present Value | $1.2B | $1.0B | $907.1M | $791.0M | $689.8M | $601.5M | $524.6M | $457.4M | $398.9M | $347.9M |
Related Guides
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.