Globe LifeGL -0.18%89 Debt-to-EBITDA is 1.90 as of Mar. 2026, which is 15% above its 10-year median of 1.65. GuruFocus rates GL with a GF Score™ of 89/100 and a GF Value™ of $150.13 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 323 Insurance companies, Globe Life ranks worse than 63.47% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Globe Life's Debt-to-EBITDA or its related term are showing as below:
GL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.49 Med: 1.65 Max: 1.96
Current: 1.74
During the past 13 years, the highest Debt-to-EBITDA Ratio of Globe Life was 1.96. The lowest was 1.49. And the median was 1.65.
GL's Debt-to-EBITDA is ranked worse than 63.47% of 323
companies
in the Insurance industry
Industry Median: 1.17
vs GL: 1.74
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Globe Life Debt-to-EBITDA Related Terms
Globe Life Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Globe Life's Debt-to-EBITDA 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.
For the Insurance - Life subindustry, Globe Life's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Globe Life's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Globe Life (GL) has a Debt-to-EBITDA of 1.90 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Globe Life. This is 15% above median its historical median of 1.65. Over the past decade, Globe Life's Debt-to-EBITDA has ranged from 1.49 to 1.96. According to the industry distribution chart, Globe Life ranks #205 out of 323 companies in the Insurance industry, placing it in the top 63.5%.
Is Globe Life's Debt-to-EBITDA too high?
Globe Life's current Debt-to-EBITDA of 1.90 is 15% above median its 10-year median of 1.65. Over the past 10 years, this metric has ranged from a low of 1.49 to a high of 1.96. The Insurance industry median Debt-to-EBITDA is 1.17. Globe Life's value of 1.90 is 62.4% above this industry median. Based on the distribution chart, Globe Life ranks #205 out of 323 companies in the Insurance industry, which is below the industry midpoint. Overall, Globe Life has a GF Score™ of 89/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's Debt-to-EBITDA compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #205 out of 323 companies for Debt-to-EBITDA. This places Globe Life in the lower half of its industry. The industry median Debt-to-EBITDA is 1.17. Globe Life's value of 1.90 is 62.4% above this benchmark. Historically, Globe Life's own Debt-to-EBITDA has ranged from 1.49 to 1.96 over the past decade. While the company's 10-year median is 1.65 vs. the industry median of 1.17, Globe Life has consistently been above 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.17, based on 323 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current Debt-to-EBITDA of 1.90 is 62.4% above 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Globe Life. For the Insurance industry, the median Debt-to-EBITDA is 1.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current Debt-to-EBITDA is 1.90, which is 15% above median its own 10-year median of 1.65. 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 $150.13, compared to a current price of $176.67 — trading 17.7% above its estimated fair value. The current Debt-to-EBITDA is 1.90, which is 15% above median its 10-year median of 1.65 and 62.4% above the Insurance industry median of 1.17. Globe Life's overall GF Score™ is 89/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Globe Life (GL), the current Debt-to-EBITDA is 1.90 as of Mar. 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 $176.67 is trading 17.7% above its estimated GF Value™ of $150.13.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
Debt-to-EBITDA: 1.90 (15% above median its 10-year median of 1.65)
GF Value™: $150.13 vs. price of $176.67 (17.7% above fair value)
Industry Position: 62.4% above the Insurance median (#205 of 323)
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.
89GF Score
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