Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Globe Life's 3-Year RORE % for the quarter that ended in Mar. 2026 was 11.68%.
The industry rank for Globe Life's 3-Year RORE % or its related term are showing as below:
GL's 3-Year RORE % is ranked worse than 50.42% of 476
companies
in the Insurance industry
Industry Median: 11.865
vs GL: 11.68
Globe Life (NYSE:GL) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Globe Life 3-Year RORE % Related Terms
Globe Life 3-Year RORE % Historical Data
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The historical data trend for Globe Life's 3-Year RORE % 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 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 3-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Globe Life's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Globe Life's 3-Year RORE % 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Globe Life (GL) has a 3-Year RORE % of 11.68 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Globe Life and its competitors. According to the industry distribution chart, Globe Life ranks #240 out of 476 companies in the Insurance industry, placing it in the top 50.4%.
Is Globe Life's 3-Year RORE % too high?
Globe Life's current 3-Year RORE % is 11.68. The Insurance industry median 3-Year RORE % is 11.87. Globe Life's value of 11.68 is 1.6% below this industry median. Based on the distribution chart, Globe Life ranks #240 out of 476 companies in the Insurance industry, which is below the industry midpoint. Overall, Globe Life has a GF Score™ of 89/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Globe Life's 3-Year RORE % compare to UNM and PRI?
According to the Insurance industry distribution chart, Globe Life ranks #240 out of 476 companies for 3-Year RORE %. This places Globe Life in the lower half of its industry. The industry median 3-Year RORE % is 11.87. Globe Life's value of 11.68 is 1.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.87, based on 476 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Globe Life's current 3-Year RORE % of 11.68 is 1.6% below 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Globe Life and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Globe Life's current 3-Year RORE % is 11.68. 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 3-Year RORE % is 11.68 and 1.6% below the Insurance industry median of 11.87. Globe Life's overall GF Score™ is 89/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Globe Life (GL), the current 3-Year RORE % is 11.68 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 (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:
3-Year RORE %: 11.68
GF Value™: $149.69 vs. price of $179.31 (19.8% above fair value)
Industry Position: 1.6% below the Insurance median (#240 of 476)
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.
89GF Score
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