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Globe LifeGL -0.46%85 Equity-to-Asset is 0.20 as of Mar. 2026, which is 13% below its 10-year median of 0.23. GuruFocus rates GL with a GF Score™ of 85/100 and a GF Value™ of $149.04 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 505 Insurance companies, Globe Life ranks worse than 62.77% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Globe Life's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $6,085 Mil. Globe Life's Total Assets for the quarter that ended in Mar. 2026 was $30,966 Mil.
Therefore, Globe Life's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.20.
The historical rank and industry rank for Globe Life's Equity-to-Asset or its related term are showing as below:
GL'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.14 Med: 0.23 Max: 0.3
Current: 0.2
During the past 13 years, the highest Equity to Asset Ratio of Globe Life was 0.30. The lowest was 0.14. And the median was 0.23.
GL's Equity-to-Asset is ranked worse than 62.77% of 505
companies
in the Insurance industry
Industry Median: 0.26
vs GL: 0.20
Globe Life (NYSE:GL) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Globe Life Equity-to-Asset Related Terms
Globe Life Equity-to-Asset Historical Data
* Premium members only.
The historical data trend for Globe Life's Equity-to-Asset 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 Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Globe Life's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Globe Life's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Equity-to-Asset of 0.20 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Globe Life and its competitors. This is 13% below median its historical median of 0.23. Over the past decade, Globe Life's Equity-to-Asset has ranged from 0.14 to 0.30. According to the industry distribution chart, Globe Life ranks #317 out of 505 companies in the Insurance industry, placing it in the top 62.8%.
Is Globe Life's Equity-to-Asset too high?
Globe Life's current Equity-to-Asset of 0.20 is 13% below median its 10-year median of 0.23. Over the past 10 years, this metric has ranged from a low of 0.14 to a high of 0.30. The Insurance industry median Equity-to-Asset is 0.26. Globe Life's value of 0.20 is 23.1% below this industry median. Based on the distribution chart, Globe Life ranks #317 out of 505 companies in the Insurance industry, which is below 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 Equity-to-Asset compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #317 out of 505 companies for Equity-to-Asset. This places Globe Life in the lower half of its industry. The industry median Equity-to-Asset is 0.26. Globe Life's value of 0.20 is 23.1% below this benchmark. Historically, Globe Life's own Equity-to-Asset has ranged from 0.14 to 0.30 over the past decade. While the company's 10-year median is 0.23 vs. the industry median of 0.26, 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 Equity-to-Asset for an Insurance company?
The median Equity-to-Asset among Insurance companies is 0.26, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current Equity-to-Asset of 0.20 is 23.1% 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 Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Globe Life and its competitors. For the Insurance industry, the median Equity-to-Asset is 0.26 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current Equity-to-Asset is 0.20, which is 13% below median its own 10-year median of 0.23. 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 $149.04, compared to a current price of $183.49 — trading 23.1% above its estimated fair value. The current Equity-to-Asset is 0.20, which is 13% below median its 10-year median of 0.23 and 23.1% below the Insurance industry median of 0.26. 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 Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Globe Life (GL), the current Equity-to-Asset is 0.20 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 $183.49 is trading 23.1% above its estimated GF Value™ of $149.04.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
Equity-to-Asset: 0.20 (13% below median its 10-year median of 0.23)
GF Value™: $149.04 vs. price of $183.49 (23.1% above fair value)
Industry Position: 23.1% below the Insurance median (#317 of 505)
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
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