GL Valuation

Globe Life Inc

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139.620

+0.52(0.374%)1D

Overview
Forecast
Valuation
Earnings

GL Relative Valuation

GL's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, GL is overvalued; if below, it's undervalued.

Historical Valuation

Globe Life Inc (GL) is now in the Undervalued zone, suggesting that its current forward PE ratio of 9.15 is considered Undervalued compared with the five-year average of 10.69. The fair price of Globe Life Inc (GL) is between 144.55 to 191.35 according to relative valuation methord. Compared to the current price of 139.10 USD , Globe Life Inc is Undervalued By 3.77%.

Relative Value

Fair Zone

144.55-191.35

Current Price：139.10

3.77%

Undervalued

9.15

Trailing

Forward

8.42

EV/EBITDA

Globe Life Inc. (GL) has a current EV/EBITDA of 8.42. The 5-year average EV/EBITDA is 9.60. The thresholds are as follows: Strongly Undervalued below 6.45, Undervalued between 6.45 and 8.02, Fairly Valued between 11.18 and 8.02, Overvalued between 11.18 and 12.75, and Strongly Overvalued above 12.75. The current Forward EV/EBITDA of 8.42 falls within the Historic Trend Line -Fairly Valued range.

8.71

EV/EBIT

Globe Life Inc. (GL) has a current EV/EBIT of 8.71. The 5-year average EV/EBIT is 11.14. The thresholds are as follows: Strongly Undervalued below 5.97, Undervalued between 5.97 and 8.56, Fairly Valued between 13.73 and 8.56, Overvalued between 13.73 and 16.31, and Strongly Overvalued above 16.31. The current Forward EV/EBIT of 8.71 falls within the Historic Trend Line -Fairly Valued range.

1.79

Globe Life Inc. (GL) has a current PS of 1.79. The 5-year average PS is 1.82. The thresholds are as follows: Strongly Undervalued below 1.37, Undervalued between 1.37 and 1.59, Fairly Valued between 2.05 and 1.59, Overvalued between 2.05 and 2.28, and Strongly Overvalued above 2.28. The current Forward PS of 1.79 falls within the Historic Trend Line -Fairly Valued range.

7.31

P/OCF

Globe Life Inc. (GL) has a current P/OCF of 7.31. The 5-year average P/OCF is 0.18. The thresholds are as follows: Strongly Undervalued below -2.09, Undervalued between -2.09 and -0.95, Fairly Valued between 1.32 and -0.95, Overvalued between 1.32 and 2.46, and Strongly Overvalued above 2.46. The current Forward P/OCF of 7.31 falls within the Strongly Overvalued range.

15.69

P/FCF

Globe Life Inc. (GL) has a current P/FCF of 15.69. The 5-year average P/FCF is 6.99. The thresholds are as follows: Strongly Undervalued below -12.71, Undervalued between -12.71 and -2.86, Fairly Valued between 16.84 and -2.86, Overvalued between 16.84 and 26.69, and Strongly Overvalued above 26.69. The current Forward P/FCF of 15.69 falls within the Historic Trend Line -Fairly Valued range.

Globe Life Inc (GL) has a current Price-to-Book (P/B) ratio of 2.08. Compared to its 3-year average P/B ratio of 2.21 , the current P/B ratio is approximately -6.12% higher. Relative to its 5-year average P/B ratio of 1.82, the current P/B ratio is about 14.18% higher. Globe Life Inc (GL) has a Forward Free Cash Flow (FCF) yield of approximately 12.17%. Compared to its 3-year average FCF yield of 13.40%, the current FCF yield is approximately -9.17% lower. Relative to its 5-year average FCF yield of 13.80% , the current FCF yield is about -11.81% lower.

2.08

P/B

Median3y

2.21

Median5y

1.82

12.17

FCF Yield

Median3y

13.40

Median5y

13.80

Competitors Valuation Multiple

The average P/S ratio for GL's competitors is 1.91, providing a benchmark for relative valuation. Globe Life Inc Corp (GL) exhibits a P/S ratio of 1.79, which is -6.41% above the industry average. Given its robust revenue growth of 2.85%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Kinsale Capital Group Inc

Lincoln National Corp

Loss

6.21%

7.71B

Performance Decomposition

Market capitalization of GL increased by 33.21% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 8.20 to 11.09.

The secondary factor is the Revenue Growth, contributed 2.85%to the performance.

Overall, the performance of GL in the past 1 year is driven by P/E Change. Which is more unsustainable.

2.85%

1.44B → 1.48B

Revenue Growth

-4.91%

17.94 → 17.06

Margin Expansion

35.27%

8.20 → 11.09

P/E Change

33.21%