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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 +1.20%86 Intrinsic Value: Projected FCF is $314.75 as of Aug. 25, 2026. GuruFocus rates GL with a GF Score™ of 86/100 and a GF Value™ of $152.06 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 396 Insurance companies, Globe Life ranks better than 69.19% on this metric.
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.
As of today (2026-08-25), Globe Life's Intrinsic Value: Projected FCF is $314.75. The stock price of Globe Life is $173.13. Therefore, Globe Life's Price-to-Intrinsic-Value-Projected-FCF of today is 0.6.
The historical rank and industry rank for Globe Life's Intrinsic Value: Projected FCF or its related term are showing as below:
GL'
s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 0.34 Med: 0.48 Max: 0.6
Current: 0.55
During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of Globe Life was 0.60. The lowest was 0.34. And the median was 0.48.
GL's Price-to-Projected-FCF is ranked better than 69.19% of 396
companies
in the Insurance industry
Industry Median: 0.74
vs GL: 0.55
Globe Life (NYSE:GL) Intrinsic Value: Projected FCF Explanation
The growth multiple is capped between 8.35 and 17.74.
Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.
Globe Life's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as
Price-to-Intrinsic-Value-Projected-FCF
=
Share Price
/
Intrinsic Value: Projected FCF
=
173.13
/
314.74706832157
=
0.55
* 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 Intrinsic Value: Projected FCF Related Terms
Globe Life Intrinsic Value: Projected FCF Historical Data
* Premium members only.
The historical data trend for Globe Life's Intrinsic Value: Projected 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.
GL vs UNM, PRI, JXN: Intrinsic Value: Projected FCF Comparison
For the Insurance - Life subindustry, Globe Life's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-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 Price-to-Projected-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's Price-to-Projected-FCF distribution charts can be found below:
* The bar in red indicates where Globe Life's Price-to-Projected-FCF falls into.
Globe Life Intrinsic Value: Projected FCF Calculation
Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.
The details of how we calculate the intrinsic value of stocks are described in detail here.
This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.
* 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.
What does a Intrinsic Value: Projected FCF of $314.75 mean?
Globe Life (GL) has a Intrinsic Value: Projected FCF of $314.75 as of Aug. 25, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Globe Life and its competitors. According to the industry distribution chart, Globe Life ranks #122 out of 396 companies in the Insurance industry, placing it in the top 30.8%.
Is Globe Life's Intrinsic Value: Projected FCF too high?
Globe Life's current Intrinsic Value: Projected FCF is $314.75. The Insurance industry median Intrinsic Value: Projected FCF is 0.74. Globe Life's value of $314.75 is 42433.8% above this industry median. Based on the distribution chart, Globe Life ranks #122 out of 396 companies in the Insurance industry, which is above the industry midpoint. Overall, Globe Life has a GF Score™ of 86/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's Intrinsic Value: Projected FCF compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #122 out of 396 companies for Intrinsic Value: Projected FCF. This puts Globe Life in the upper half of its industry. The industry median Intrinsic Value: Projected FCF is 0.74. Globe Life's value of $314.75 is 42433.8% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.74, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current Intrinsic Value: Projected FCF of $314.75 is 42433.8% 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 Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Globe Life and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.74 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current Intrinsic Value: Projected FCF is $314.75. 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 $152.06, compared to a current price of $173.13 — trading 13.9% above its estimated fair value. The current Intrinsic Value: Projected FCF is $314.75 and 42433.8% above the Insurance industry median of 0.74. Globe Life's overall GF Score™ is 86/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Globe Life (GL), the current Intrinsic Value: Projected FCF is $314.75 as of Aug. 25, 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 $173.13 is trading 13.9% above its estimated GF Value™ of $152.06.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for GL:
Intrinsic Value: Projected FCF: $314.75
GF Value™: $152.06 vs. price of $173.13 (13.9% above fair value)
Industry Position: 42433.8% above the Insurance median (#122 of 396)
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.
86GF Score
Get the complete analysis for GL
Intrinsic Value: Projected FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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