Globe LifeFRA:TMJ +1.08%85 FCF Margin % is 25.39% as of Mar. 2026, which is 9% below its 10-year median of 27.95. GuruFocus rates FRA:TMJ with a GF Score™ of 85/100 and a GF Value™ of €127.64 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 502 Insurance companies, Globe Life ranks better than 73.51% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Globe Life's Free Cash Flow for the
three
months ended in Mar. 2026 was €343 Mil. Globe Life's Revenue for the
three
months ended in Mar. 2026 was €1,349 Mil. Therefore, Globe Life's FCF Margin % for the quarter that ended in Mar. 2026 was 25.39%.
The historical rank and industry rank for Globe Life's FCF Margin % or its related term are showing as below:
FRA:TMJ'
s FCF Margin % Range Over the Past 10 Years
Min: 20.27 Med: 27.95 Max: 34.91
Current: 20.27
During the past 13 years, the highest FCF Margin % of Globe Life was 34.91%. The lowest was 20.27%. And the median was 27.95%.
FRA:TMJ's FCF Margin % is ranked better than 73.51% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs FRA:TMJ: 20.27
Globe Life FCF Margin % Related Terms
Globe Life FCF Margin % Historical Data
* Premium members only.
The historical data trend for Globe Life's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Globe Life's FCF Margin % 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 (FRA:TMJ) has a FCF Margin % of 25.39% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Globe Life and its competitors. This is near median its historical median of 27.95. Over the past decade, Globe Life's FCF Margin % has ranged from 20.27 to 34.91. According to the industry distribution chart, Globe Life ranks #133 out of 502 companies in the Insurance industry, placing it in the top 26.5%.
Is Globe Life's FCF Margin % too high?
Globe Life's current FCF Margin % of 25.39% is near median its 10-year median of 27.95. Over the past 10 years, this metric has ranged from a low of 20.27 to a high of 34.91. The Insurance industry median FCF Margin % is 9.63. Globe Life's value of 25.39% is 163.7% above this industry median. Based on the distribution chart, Globe Life ranks #133 out of 502 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 FCF Margin % compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #133 out of 502 companies for FCF Margin %. This puts Globe Life in the upper half of its industry. The industry median FCF Margin % is 9.63. Globe Life's value of 25.39% is 163.7% above this benchmark. Historically, Globe Life's own FCF Margin % has ranged from 20.27 to 34.91 over the past decade. While the company's 10-year median is 27.95 vs. the industry median of 9.63, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current FCF Margin % of 25.39% is 163.7% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Globe Life and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current FCF Margin % is 25.39%, which is near median its own 10-year median of 27.95. 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 (FRA:TMJ) is currently considered Modestly Overvalued. The stock's GF Value™ is €127.64, compared to a current price of €149.80 — trading 17.4% above its estimated fair value. The current FCF Margin % is 25.39%, which is near median its 10-year median of 27.95 and 163.7% above the Insurance industry median of 9.63. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Globe Life (FRA:TMJ), the current FCF Margin % is 25.39% 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 (FRA:TMJ) Overvalued in 2026?
Based on GuruFocus' analysis, Globe Life stock appears to be overvalued.
The current stock price of €149.80 is trading 17.4% above its estimated GF Value™ of €127.64.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for FRA:TMJ:
FCF Margin %: 25.39% (near median its 10-year median of 27.95)
GF Value™: €127.64 vs. price of €149.80 (17.4% above fair value)
Industry Position: 163.7% above the Insurance median (#133 of 502)
No single metric tells the full story. See the FRA:TMJ 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 FRA:TMJ
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
FRA:TMJ has been successfully added to your 
