Globe LifeFRA:TMJ +2.47%85 Net Margin % is 17.35% as of Mar. 2026, which is 1% below its 10-year median of 17.47. 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 503 Insurance companies, Globe Life ranks better than 81.91% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Globe Life's Net Income for the
three
months ended in Mar. 2026 was €234 Mil. Globe Life's Revenue for the
three
months ended in Mar. 2026 was €1,349 Mil. Therefore, Globe Life's net margin for the quarter that ended in Mar. 2026 was 17.35%.
The historical rank and industry rank for Globe Life's Net Margin % or its related term are showing as below:
FRA:TMJ'
s Net Margin % Range Over the Past 10 Years
Min: 13.97 Med: 17.47 Max: 35
Current: 19.38
FRA:TMJ's Net Margin % is ranked better than 81.91% of 503
companies
in the Insurance industry
Industry Median: 9.29
vs FRA:TMJ: 19.38
Globe Life (FRA:TMJ) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Globe Life Net Margin % Related Terms
Globe Life Net Margin % Historical Data
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The historical data trend for Globe Life's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's Net Margin % distribution charts can be found below:
* The bar in red indicates where Globe Life's Net 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 Net Margin % of 17.35% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Globe Life and its competitors. This is near median its historical median of 17.47. Over the past decade, Globe Life's Net Margin % has ranged from 13.97 to 35.00. According to the industry distribution chart, Globe Life ranks #91 out of 503 companies in the Insurance industry, placing it in the top 18.1%.
Is Globe Life's Net Margin % too high?
Globe Life's current Net Margin % of 17.35% is near median its 10-year median of 17.47. Over the past 10 years, this metric has ranged from a low of 13.97 to a high of 35.00. The Insurance industry median Net Margin % is 9.29. Globe Life's value of 17.35% is 86.8% above this industry median. Based on the distribution chart, Globe Life ranks #91 out of 503 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 Net Margin % compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #91 out of 503 companies for Net Margin %. This places Globe Life in the top 18% of its industry — outperforming the majority of peers. The industry median Net Margin % is 9.29. Globe Life's value of 17.35% is 86.8% above this benchmark. Historically, Globe Life's own Net Margin % has ranged from 13.97 to 35.00 over the past decade. While the company's 10-year median is 17.47 vs. the industry median of 9.29, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.29, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current Net Margin % of 17.35% is 86.8% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Globe Life and its competitors. For the Insurance industry, the median Net Margin % is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current Net Margin % is 17.35%, which is near median its own 10-year median of 17.47. 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 €153.50 — trading 20.3% above its estimated fair value. The current Net Margin % is 17.35%, which is near median its 10-year median of 17.47 and 86.8% above the Insurance industry median of 9.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Globe Life (FRA:TMJ), the current Net Margin % is 17.35% 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 €153.50 is trading 20.3% above its estimated GF Value™ of €127.64.
GuruFocus considers Globe Life to be Modestly Overvalued.
Key valuation signals for FRA:TMJ:
Net Margin %: 17.35% (near median its 10-year median of 17.47)
GF Value™: €127.64 vs. price of €153.50 (20.3% above fair value)
Industry Position: 86.8% above the Insurance median (#91 of 503)
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
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