Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Globe LifeGL +0.18%85 3-Year EPS without NRI Growth Rate is 20.40% as of Mar. 2026, which is 104% above its 10-year median of 10.00. GuruFocus rates GL with a GF Score™ of 85/100 and a GF Value™ of $149.66 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 400 Insurance companies, Globe Life ranks better than 56.25% on this metric.
During the past 12 months, Globe Life's average EPS without NRI Growth Rate was 16.10% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 20.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 17.40% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 12.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Globe Life was 20.90% per year. The lowest was -4.80% per year. And the median was 10.00% per year.
Globe Life (NYSE:GL) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Globe Life 3-Year EPS without NRI Growth Rate Related Terms
GL vs UNM, PRI, JXN: 3-Year EPS without NRI Growth Rate Comparison
For the Insurance - Life subindustry, Globe Life's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate 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 3-Year EPS without NRI Growth Rate vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Globe Life's 3-Year EPS without NRI Growth Rate falls into.
Globe Life 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 20.40% mean?
Globe Life (GL) has a 3-Year EPS without NRI Growth Rate of 20.40% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Globe Life and its competitors. This is 104% above median its historical median of 10.00. According to the industry distribution chart, Globe Life ranks #175 out of 400 companies in the Insurance industry, placing it in the top 43.7%.
Is Globe Life's 3-Year EPS without NRI Growth Rate too high?
Globe Life's current 3-Year EPS without NRI Growth Rate of 20.40% is 104% above median its 10-year median of 10.00. The Insurance industry median 3-Year EPS without NRI Growth Rate is 16.35. Globe Life's value of 20.40% is 24.8% above this industry median. Based on the distribution chart, Globe Life ranks #175 out of 400 companies in the Insurance industry, which is above the industry midpoint. Overall, Globe Life has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's 3-Year EPS without NRI Growth Rate compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #175 out of 400 companies for 3-Year EPS without NRI Growth Rate. This puts Globe Life in the upper half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 16.35. Globe Life's value of 20.40% is 24.8% above this benchmark. While the company's 10-year median is 10.00 vs. the industry median of 16.35, 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 3-Year EPS without NRI Growth Rate for an Insurance company?
The median 3-Year EPS without NRI Growth Rate among Insurance companies is 16.35, based on 400 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current 3-Year EPS without NRI Growth Rate of 20.40% is 24.8% 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 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Globe Life and its competitors. For the Insurance industry, the median 3-Year EPS without NRI Growth Rate is 16.35 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current 3-Year EPS without NRI Growth Rate is 20.40%, which is 104% above median its own 10-year median of 10.00. 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 $149.66, compared to a current price of $181.00 — trading 20.9% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 20.40%, which is 104% above median its 10-year median of 10.00 and 24.8% above the Insurance industry median of 16.35. Globe Life's overall GF Score™ is 85/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Globe Life (GL), the current 3-Year EPS without NRI Growth Rate is 20.40% 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 $181.00 is trading 20.9% above its estimated GF Value™ of $149.66.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
3-Year EPS without NRI Growth Rate: 20.40% (104% above median its 10-year median of 10.00)
GF Value™: $149.66 vs. price of $181.00 (20.9% above fair value)
Industry Position: 24.8% above the Insurance median (#175 of 400)
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.
85GF Score
Get the complete analysis for GL
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
GL has been successfully added to your 
