GL · NYSE · STOCK
Globe Life (GL) Stock Analysis
$164.25
52W $127.85 – $191.55
54/100
$12.75B
10.8
0.44
Is GL Bullish or Bearish?
Mixed.
Innellis AI committee rates Globe Life (GL) Watch with a composite score of 54/100
, based on 6 analysts with 50% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Buy
- Requires a committee score of 60.0 — +5.97 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Reduce
- Requires the score to fall below 40.0 — -14.03 from today. The band boundary is 45.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Value Analyst sees a compelling case — p/e of 10.5 is inexpensive for the broad market. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 10.5 is inexpensive for the broad market — Value
- ROE of 20.3% shows genuine earnings power backing the valuation — Value
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
Bear Case
- 3 consecutive earnings misses -- execution concerns — Growth
- MACD histogram negative -- bearish momentum — Technical
- Current ratio of 0.66 is tight -- limited short-term liquidity cushion — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
54/100
Agreement
50%
Analysts
6
Conviction
Contested
Sector Rank
Top 83%
of 211 Financial Services peers
Value Analyst
bullish
70
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 10.5 is inexpensive for the broad market
Growth Analyst
neutral
48
/ 100 · High confidence
Moderate growth -- present but not remarkable
+ Quarter-over-quarter growth rate is ACCELERATING, not just positive
− 3 consecutive earnings misses -- execution concerns
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
− MACD histogram negative -- bearish momentum
Risk Analyst
bearish
35
/ 100 · Low confidence
Elevated risk from leverage, volatility, event exposure, or portfolio concentration -- size accordingly
− Current ratio of 0.66 is tight -- limited short-term liquidity cushion
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
neutral
58
/ 100 · Low confidence
News flow is mixed or quiet -- no strong signal either way right now
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score moved marginally from 54.0 to 54.0.
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
33.8
Neutral
MACD Histogram
-0.089
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$148.88
Resistance
$188.46
Bollinger %B
0.20
Inside Bands
Price vs Moving Averages
EMA 9
$165.76
Below
EMA 21
$167.88
Below
EMA 50
$170.53
Below
EMA 200
$160.23
Above
Fundamental Analysis
Valuation
97
Growth
50
Profitability
58
Financial Health
75
Cash Flow
70
Valuation
P/E Ratio
10.8×
P/B Ratio
2.09×
PEG Ratio
0.52
Dividend Yield
0.77%
52W High
$191.55
52W Low
$127.85
Quality & Growth
ROE
1943.5%
ROA
376.8%
Gross Margin
1700.0%
Operating Margin
922.9%
Revenue Growth YoY
—
Debt / Equity
0.48
AI Fundamental Assessment
P/E ratio of 10.8 (inexpensive relative to a 15-40x range); Price-to-book of 2.1x; PEG ratio of 0.5 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 19.4%; Return on assets of 3.8%; Net margin of 19.6%; Gross margin of 17.0%; Current ratio of 1.41 (tight short-term liquidity); Debt-to-equity of 0.48; Free cash flow per share is positive (15.72); Most recent quarter missed estimates by 4.7%; 3 consecutive earnings misses; EPS growth accelerating (+1.2% -> +5.2% QoQ); Average YoY EPS growth of 10.4%; Analyst estimates rising over recent quarters
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