NYSE: GL · Life Insurance
Globe Life (GL) fair value and price range
As of 27 Sep 2026, Faircurve's model values Globe Life (GL) at $193.02 a share. The stock last closed at $165.68, which puts the model's fair value 16.5% above the price. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
Revalued . Price is the close of 2 Oct 2026. Globe Life Inc.
Faircurve Insights · 27 Sep 2026
Globe Life Inc. delivers diverse life insurance and supplementary health coverage, alongside annuity products, targeting households in the lower-middle to middle-income brackets throughout the United States.
On 27 Sep 2026, Faircurve's model gave a fair value of $193.02 a share, the midpoint of 2,000 simulations. The previous run, on 19 Sep 2026, gave $199.36, so the fair value moved -3.2%. The calibrated range over 63 trading days is $161.94 to $235.35, built from the fair value, and calibrated weekly against realised prices, 4,327 past valuations, refreshed 26 Sep 2026. Ranges built this way held the price 60% of the time at this horizon. The model grades the evidence behind this valuation as low, so no verdict is shown.
The model compares Globe Life Inc. with Unum Group (UNM), Jackson Financial Inc. (JXN), Voya Financial, Inc. (VOYA), Primerica, Inc. (PRI), Lincoln National Corporation (LNC), CNO Financial Group, Inc. (CNO), Prudential Financial, Inc. (PRU), and Brighthouse Financial, Inc. (BHF). The stock has moved around its last 8 earnings reports as follows: 22 Jul 2026 -7.2%, 22 Apr 2026 +2.0%, 4 Feb 2026 +2.3%, 22 Oct 2025 -0.2%, 23 Jul 2025 +7.1%, 30 Apr 2025 -5.0%, 5 Feb 2025 -2.0%, and 23 Oct 2024 -1.5%. The median size, ignoring direction, was 2.2%.
Written from the figures on this page for the 27 Sep 2026 valuation and checked by rule before publishing: every number is one printed here, no forecast, no instruction. The price, the gap and the verdict are the page's own and change daily. Not a recommendation.
What price range does the model give GL?
The calibrated range for GL over 63 trading days is $161.94 to $235.35. There is no live options data for this stock, so the range is built from the fair value and calibrated weekly against realised prices (n = 4,327 past valuations, refreshed 26 Sep 2026). Ranges built this way held the price 60% of the time at this horizon.
The model's own simulated range, from the 20th to the 80th percentile of its runs, is $160.10 to $229.49. In 73% of the simulations the fair value came out above the price the model ran on.
How does GL compare with similar companies?
The companies in life insurance closest to Globe Life in market value, each on the same model and the same date.
| Company | Last close | Model fair value | Gap | Model verdict |
|---|---|---|---|---|
| UNM Unum Group | $88.57 | $84.69 | -4.4% | Low evidence grade |
| JXN Jackson Financial Inc. | $131.53 | $227.20 | +72.7% | Gap wider than 60% |
| VOYA Voya Financial, Inc. | $96.65 | $99.36 | +2.8% | Low evidence grade |
| PRI Primerica, Inc. | $275.42 | $304.49 | +10.6% | Low evidence grade |
| LNC Lincoln National Corporation | $40.30 | $117.08 | +190.5% | Gap wider than 60% |
| CNO CNO Financial Group, Inc. | $53.86 | $43.83 | -18.6% | Low evidence grade |
| PRU Prudential Financial, Inc. | $112.60 | $138.12 | +22.7% | Low evidence grade |
| BHF Brighthouse Financial, Inc. | $50.02 | $161.96 | +223.8% | Gap wider than 60% |
When does GL report earnings, and how has the stock reacted?
Globe Life's next earnings report is scheduled for 28 Oct 2026. Companies can move their dates.
Options prices on 2 Oct 2026 imply a move of about 7.2% in either direction through the nearest expiry, about 48 days out, a window that includes the report. That is the size the market is pricing, not a direction.
How GL moved around its last 8 earnings reports
Each move runs from the last close before the report to the first close after it, so it covers companies that report before the open and after the close. The median size across these 8 reports, ignoring direction, was 2.2%.
| Report date | Two session move |
|---|---|
| 22 Jul 2026 | -7.2% |
| 22 Apr 2026 | +2.0% |
| 4 Feb 2026 | +2.3% |
| 22 Oct 2025 | -0.2% |
| 23 Jul 2025 | +7.1% |
| 30 Apr 2025 | -5.0% |
| 5 Feb 2025 | -2.0% |
| 23 Oct 2024 | -1.5% |
Globe Life at a glance
Globe Life Inc. delivers diverse life insurance and supplementary health coverage, alongside annuity products, targeting households in the lower-middle to middle-income brackets throughout the United States.
- Market value
- $13.0B
- Sector
- Financial Services
- Industry
- Life Insurance
- Consensus revenue growth, next fiscal year
- +6.8%
- Analysts with estimates
- 7
- Beta to the US market
- 0.52
- First valued by Faircurve
- 4 Jul 2026
How the fair value is worked out: the model prices Globe Life on the share price against the net assets on the balance sheet, adjusted for the earnings analysts expect (price to book value), runs 2,000 simulations across its inputs and takes the midpoint. The full method is documented here.
What changed in the latest valuation?
On 19 Sep 2026 the model's fair value for GL was $199.36. As of 27 Sep 2026 it is $193.02, a change of -3.2%. The model revalues every stock it covers each week, and again after an earnings report.
Questions about Globe Life's valuation
Is Globe Life stock undervalued or overvalued?
Faircurve's model puts GL's fair value at $193.02 a share against a last close of $165.68, as of 27 Sep 2026. The model grades the evidence behind this valuation as low, so no verdict is shown. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It does not say how likely the fair value is to be right.
What is GL's fair value?
$193.02 a share as of 27 Sep 2026, the midpoint of 2,000 simulations. The model's own 20th to 80th percentile range is $160.10 to $229.49.
What price range does the model give GL?
$161.94 to $235.35 over 63 trading days. Ranges built this way held the price 60% of the time across 4,327 past valuations, refreshed 26 Sep 2026.
When does Globe Life report earnings next?
The next report is scheduled for 28 Oct 2026. Companies can move their dates.
How much has GL moved on past earnings reports?
Across its last 8 reports the median two session move was 2.2%, ignoring direction. The largest was -7.2% around the report of 22 Jul 2026.
How confident is the model in this valuation?
The model's evidence grade for GL is low. For banks, insurers and mortgage real estate investment trusts (REITs) the grade looks at how many comparable companies there are and how closely they agree, how wide the range of outcomes is, and whether the model's valuation methods agree with each other. It is not a probability that the fair value is right, or that the price reaches it.