Globe LifeFRA:TMJ +1.08%85 ROE % is 18.06% as of Mar. 2026, which is 34% above its 10-year median of 13.48. 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 504 Insurance companies, Globe Life ranks better than 79.76% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Globe Life's annualized net income for the quarter that ended in Mar. 2026 was €936 Mil. Globe Life's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was €5,183 Mil. Therefore, Globe Life's annualized ROE % for the quarter that ended in Mar. 2026 was 18.06%.
The historical rank and industry rank for Globe Life's ROE % or its related term are showing as below:
FRA:TMJ'
s ROE % Range Over the Past 10 Years
Min: 9.11 Med: 13.48 Max: 26.94
Current: 20.59
During the past 13 years, Globe Life's highest ROE % was 26.94%. The lowest was 9.11%. And the median was 13.48%.
FRA:TMJ's ROE % is ranked better than 79.76% of 504
companies
in the Insurance industry
Industry Median: 11.675
vs FRA:TMJ: 20.59
Globe Life (FRA:TMJ) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Globe Life ROE % Related Terms
Globe Life ROE % Historical Data
* Premium members only.
The historical data trend for Globe Life's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's ROE % distribution charts can be found below:
* The bar in red indicates where Globe Life's ROE % 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.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Globe Life (FRA:TMJ) has a ROE % of 18.06% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Globe Life and its competitors. This is 34% above median its historical median of 13.48. Over the past decade, Globe Life's ROE % has ranged from 9.11 to 26.94. According to the industry distribution chart, Globe Life ranks #102 out of 504 companies in the Insurance industry, placing it in the top 20.2%.
Is Globe Life's ROE % too high?
Globe Life's current ROE % of 18.06% is 34% above median its 10-year median of 13.48. Over the past 10 years, this metric has ranged from a low of 9.11 to a high of 26.94. The Insurance industry median ROE % is 11.68. Globe Life's value of 18.06% is 54.7% above this industry median. Based on the distribution chart, Globe Life ranks #102 out of 504 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 ROE % compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #102 out of 504 companies for ROE %. This places Globe Life in the top 20% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Globe Life's value of 18.06% is 54.7% above this benchmark. Historically, Globe Life's own ROE % has ranged from 9.11 to 26.94 over the past decade. While the company's 10-year median is 13.48 vs. the industry median of 11.68, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.68, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current ROE % of 18.06% is 54.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Globe Life and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current ROE % is 18.06%, which is 34% above median its own 10-year median of 13.48. 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 ROE % is 18.06%, which is 34% above median its 10-year median of 13.48 and 54.7% above the Insurance industry median of 11.68. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Globe Life (FRA:TMJ), the current ROE % is 18.06% 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:
ROE %: 18.06% (34% above median its 10-year median of 13.48)
GF Value™: €127.64 vs. price of €149.80 (17.4% above fair value)
Industry Position: 54.7% above the Insurance median (#102 of 504)
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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