Globe Life (GL)
NYSEFinancialsInsurance - LifeSnapshot 2026-09-04
$174.27-1.27%
Close 2026-09-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-09-04
QuarterlyIQ Insights · GL
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.3% |
| Our one-year growth estimate | diamond | 7.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-09-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 7.8 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-09-04 · Compared with 13 industry peers
GL — officer change
Dated 2026-08-07
Director — David A. Rodriguez: David A. Rodriguez retired from the Board of Directors for personal reasons.
Why it matters: Growth in net sales shows strong demand. It also shows good sales strategies.
Supportive ifLife and health net sales growth exceeds 10% in Q3.
Worry ifNet sales growth falls below 10% in Q3.
Why it matters: Changes in unemployment can affect how much people spend and need insurance, impacting Globe Life.
Watch forUnemployment rate drops below 4.5% in August 2026.
Also watch forThe unemployment rate goes over 5% in August 2026.
Why it matters: Growth in net operating income shows strong operations. This can make investors feel more positive.
Supportive ifQ2 net operating income increases year over year by more than 10%.
Worry ifQ2 net operating income decreases year over year.
Why it matters: A lower net income could indicate weakening performance and affect investor confidence. It would be a significant shift from recent growth.
Worry ifQ3 net income per share reported below $3.50.
Less concerning ifQ3 net income per share remains above $3.50.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$88 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $168 loss on $10,000 · 1.7% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,087 loss on $10,000 · 10.9% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: An increase in agents typically leads to higher sales and revenue growth.
Supportive ifThe average number of producing agents goes up by more than 5% every quarter.
Worry ifThe average number of producing agents falls or stays the same each quarter.
Why it matters: A decline in health net sales growth could indicate challenges in the health insurance segment.
Worry ifHealth net sales growth below 10% year over year in Q3 2026.
Less concerning ifHealth net sales growth remains at or above 10% year over year in Q3 2026.
Why it matters: A slowdown in life net sales growth could signal weakening demand in a key segment.
Worry ifLife net sales growth below 5% year over year in Q3 2026.
Less concerning ifLife net sales growth remains at or above 5% year over year in Q3 2026.
Why it matters: More share buybacks show management wants to give value back to shareholders. This can raise stock price.
Supportive ifGlobe Life repurchases more than 1 million shares in the next quarter.
Worry ifShare repurchases fall below 500,000 shares in the next quarter.
Why it matters: Higher EPS guidance shows that management believes earnings will grow. This can help investor confidence.
Supportive ifManagement raises full-year 2026 EPS guidance above the current range of $15.55 to $15.95.
Worry ifEPS guidance remains unchanged or is lowered from the current range.
Why it matters: Weak health premium growth could indicate challenges in the health insurance segment.
Worry ifHealth premium growth below 10% year over year in Q3 2026.
Less concerning ifHealth premium growth exceeds 10% year over year in Q3 2026.
Why it matters: An increase in earnings guidance would show strong confidence in future performance. It reflects management's ability to meet growth targets.
Supportive ifManagement raises 2026 earnings guidance to over $15.95 per share.
Worry ifGuidance remains at or below $15.95 per share.
Why it matters: Share buybacks show good use of money. It shows management cares about shareholders.
Supportive ifManagement announces buybacks of at least 1 million shares in Q3.
Worry ifNo share repurchases are announced in Q3.
Why it matters: Higher premium revenue growth shows strong performance in insurance. It shows the company attracts new customers.
Supportive ifTotal premium revenue growth exceeds 7% in Q3.
Worry ifTotal premium revenue growth is below 7% in Q3.