Globe LifeGL +1.65%85 EV-to-FCF is 13.37 as of Jun. 27, 2026, which is 54% above its 10-year median of 8.66. GuruFocus rates GL with a GF Score™ of 85/100 and a GF Value™ of $149.69 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 391 Insurance companies, Globe Life ranks worse than 63.94% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Globe Life's Enterprise Value is $16,446 Mil.
Globe Life's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $1,230 Mil. Therefore, Globe Life's EV-to-FCF for today is 13.37.
The historical rank and industry rank for Globe Life's EV-to-FCF or its related term are showing as below:
GL'
s EV-to-FCF Range Over the Past 10 Years
Min: 6.05 Med: 8.66 Max: 13.68
Current: 13.37
During the past 13 years, the highest EV-to-FCF of Globe Life was 13.68. The lowest was 6.05. And the median was 8.66.
GL's EV-to-FCF is ranked worse than 63.94% of 391
companies
in the Insurance industry
Industry Median: 9.32
vs GL: 13.37
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Globe Life's share price for today is $179.31.
Globe Life's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $14.460.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Globe Life EV-to-FCF Related Terms
Globe Life EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Globe Life's EV-to-FCF 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 EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Globe Life's EV-to-FCF falls into.
Globe Life's current Enterprise Value is $16,446 Mil.
Globe Life's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1,230 Mil.
* 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 EV-to-FCF of 13.37 as of Jun. 27, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Globe Life and its competitors. This is 54% above median its historical median of 8.66. Over the past decade, Globe Life's EV-to-FCF has ranged from 6.05 to 13.68. According to the industry distribution chart, Globe Life ranks #250 out of 391 companies in the Insurance industry, placing it in the top 63.9%.
Is Globe Life's EV-to-FCF too high?
Globe Life's current EV-to-FCF of 13.37 is 54% above median its 10-year median of 8.66. Over the past 10 years, this metric has ranged from a low of 6.05 to a high of 13.68. The Insurance industry median EV-to-FCF is 9.32. Globe Life's value of 13.37 is 43.5% above this industry median. Based on the distribution chart, Globe Life ranks #250 out of 391 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 EV-to-FCF compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #250 out of 391 companies for EV-to-FCF. This places Globe Life in the lower half of its industry. The industry median EV-to-FCF is 9.32. Globe Life's value of 13.37 is 43.5% above this benchmark. Historically, Globe Life's own EV-to-FCF has ranged from 6.05 to 13.68 over the past decade. While the company's 10-year median is 8.66 vs. the industry median of 9.32, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.32, based on 391 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current EV-to-FCF of 13.37 is 43.5% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Globe Life and its competitors. For the Insurance industry, the median EV-to-FCF is 9.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current EV-to-FCF is 13.37, which is 54% above median its own 10-year median of 8.66. 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 $149.69, compared to a current price of $179.31 — trading 19.8% above its estimated fair value. The current EV-to-FCF is 13.37, which is 54% above median its 10-year median of 8.66 and 43.5% above the Insurance industry median of 9.32. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Globe Life (GL), the current EV-to-FCF is 13.37 as of Jun. 27, 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 $179.31 is trading 19.8% above its estimated GF Value™ of $149.69.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
EV-to-FCF: 13.37 (54% above median its 10-year median of 8.66)
GF Value™: $149.69 vs. price of $179.31 (19.8% above fair value)
Industry Position: 43.5% above the Insurance median (#250 of 391)
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.
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