GL

HOLD

Globe Life Inc.

Financial Services · Rank #51 · Analyzed Jul 13, 2026

$179.13

Current Price

$186.51

Intrinsic Value

+4.1%

Upside/Downside

5.1/10

Score

3.5/5

Quality

Analysis Summary

Valuation Consensus2/3 methods agree

Quality Score3.5/5.0

Framework RatingHOLD

Price vs Intrinsic ValueUndervalued by 4.1%

Fair Value Range

Low$56.50

Base (IV)$186.51

High$223.82

Entry Points

Conservative$39.55

Moderate$56.50

Aggressive$130.56

⚠️ Warnings

Financial sector — DCF less reliable (FCF includes reserves/float)

Quality & Moat Breakdown

Return on Equity20.5% → 1.0/1.0

Debt LevelD/E 54 → 0.5/1.0

Revenue QualityGrowth 3.7%, margin Δ+0.0% → 0.5/1.0

Moat Strength2.5/5 → 0.5/1.0

Profit Margins19.4% → 1.0/1.0

Methodology

This analysis uses a unified valuation framework combining three methods, Discounted Cash Flow (3-scenario), Earnings Power Value, and Asset Valuation, with a quality scoring overlay. A stock needs 2/3 valuation methods to agree and a quality score ≥ 3.5/5 for a BUY rating.

Learn how this framework works →

This is a personal analysis tool, not financial advice. Do your own research before making investment decisions.