Globe Life (GL)
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
$161.72+2.23%
Close 2026-11-04 · 1-day change
NYSEFinancialsInsurance - LifeSnapshot 2026-11-04
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 is holding in the top half of its industry — the reason to own it looks intact.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -0.7% |
| Our one-year growth estimate | diamond | 8.4% |
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.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-04.
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 9.1 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Worth watching into the next print: this name is on a run of consecutive earnings misses and operates in a high-miss-rate industry. A fundamental tilt, not a price call.
Model as of 2026-11-04 · Compared with 5 industry peers · Company calendar date is not available
GL — earnings miss
Dated 2026-10-21
Results of Operations and Financial Condition. On October 21, 2026, Globe Life Inc. issued a press release announcing its third quarter 2026 financial results. A copy of the press release is incorporated herein by reference and is provided as Exhibit 99.1. In accordance with General Instruction B.2 of Form 8-K, the information included or incorporated in this report (including Exhibit 99.1) shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exc…
Why it matters: Q3 life underwriting margin fell 5% year over year. This weighed on total underwriting income, while the expense ratio stayed flat.
Watch forQ4 life underwriting margin is at least flat year over year, and the margin rate is at least 53%.
Also watch forQ4 life underwriting margin falls more than 5% year over year, or the margin rate drops below 53%.
Why it matters: Life net sales fell 1% in Q3 after rising 6% in Q1. A return to growth would show better sales across the core life business.
Watch forQ4 life net sales rise year over year, with Direct to Consumer sales no longer down 12%.
Also watch forQ4 life net sales fall year over year again, or Direct to Consumer sales fall at least 12%.
Why it matters: Globe Life repurchased $185 million of shares in Q3 and set a full-year spending range. The year-end total will show whether it met that plan.
Supportive ifThe company reports at least $725 million in total 2026 share repurchases by year-end.
Worry ifThe company reports less than $725 million in total 2026 share repurchases.
Why it matters: Management raised its 2026 earnings range in Q2. Q3 results give a new test of that forecast, but the supplied Q3 release does not state updated guidance.
Watch forA company release raises the 2026 net operating income per share range above $15.55 to $15.95.
Also watch forA company release cuts the 2026 range below $15.55 to $15.95, or reports results below the range.
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 | ±$58 on $10,000 · ±0.6% | How much price usually moves either way. |
| Bad day | $162 loss on $10,000 · 1.6% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,679 loss on $10,000 · 16.8% | 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.