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Globe LifeGL +0.35%86 Cash-to-Debt is 0.09 as of Jun. 2026, which is 80% above its 10-year median of 0.05. GuruFocus rates GL with a GF Score™ of 86/100 and a GF Value™ of $152.02 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 491 Insurance companies, Globe Life ranks worse than 94.7% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. Globe Life's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.09.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, Globe Lifecouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for Globe Life's Cash-to-Debt or its related term are showing as below:
GL'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.04 Med: 0.05 Max: 0.11
Current: 0.09
During the past 13 years, Globe Life's highest Cash to Debt Ratio was 0.11. The lowest was 0.04. And the median was 0.05.
GL's Cash-to-Debt is ranked worse than 94.7% of 491
companies
in the Insurance industry
Industry Median: 2.05
vs GL: 0.09
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
Globe Life Cash-to-Debt Related Terms
Globe Life Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for Globe Life's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Life subindustry, Globe Life's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Globe Life Cash-to-Debt vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where Globe Life's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Globe Life (GL) has a Cash-to-Debt of 0.09 as of Jun. 2026. This is 80% above median its historical median of 0.05. Over the past decade, Globe Life's Cash-to-Debt has ranged from 0.04 to 0.11. According to the industry distribution chart, Globe Life ranks #465 out of 491 companies in the Insurance industry, placing it in the top 94.7%.
Is Globe Life's Cash-to-Debt too high?
Globe Life's current Cash-to-Debt of 0.09 is 80% above median its 10-year median of 0.05. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.11. The Insurance industry median Cash-to-Debt is 2.05. Globe Life's value of 0.09 is 95.6% below this industry median. Based on the distribution chart, Globe Life ranks #465 out of 491 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Globe Life has a GF Score™ of 86/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's Cash-to-Debt compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #465 out of 491 companies for Cash-to-Debt. This places Globe Life in the lower half of its industry. The industry median Cash-to-Debt is 2.05. Globe Life's value of 0.09 is 95.6% below this benchmark. Historically, Globe Life's own Cash-to-Debt has ranged from 0.04 to 0.11 over the past decade. While the company's 10-year median is 0.05 vs. the industry median of 2.05, Globe Life has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for an Insurance company?
The median Cash-to-Debt among Insurance companies is 2.05, based on 491 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current Cash-to-Debt of 0.09 is 95.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median Cash-to-Debt is 2.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current Cash-to-Debt is 0.09, which is 80% above median its own 10-year median of 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Globe Life stock overvalued right now?
Based on GuruFocus' analysis, Globe Life (GL) is currently considered Modestly Overvalued. The stock's GF Value™ is $152.02, compared to a current price of $171.08 — trading 12.5% above its estimated fair value. The current Cash-to-Debt is 0.09, which is 80% above median its 10-year median of 0.05 and 95.6% below the Insurance industry median of 2.05. Globe Life's overall GF Score™ is 86/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For Globe Life (GL), the current Cash-to-Debt is 0.09 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Globe Life (GL) Overvalued in 2026?
Based on GuruFocus' analysis, Globe Life stock appears to be overvalued.
The current stock price of $171.08 is trading 12.5% above its estimated GF Value™ of $152.02.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
Cash-to-Debt: 0.09 (80% above median its 10-year median of 0.05)
GF Value™: $152.02 vs. price of $171.08 (12.5% above fair value)
Industry Position: 95.6% below the Insurance median (#465 of 491)
No single metric tells the full story. See the GL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Globe Life Inc is an insurance holding company. It provides a variety of life and supplemental health insurance products and annuities to a broad base of customers. The company's core operations are organized into three reportable segments: life insurance, supplemental health insurance and investments. Investment activities, conducted by the investment segment, focus on seeking investments with a yield and term appropriate to support the insurance product obligations. These investments generally consist of fixed maturities and, over the long term, the expected yields are considered when setting insurance premium rates and product profitability expectations.
86GF Score
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