GL Globe Life Inc.
Financial Services
Price
$181.75
Intrinsic value
$155.54
Buy price
$124.44
Discount
-16.8%
DCF walkthrough
This ticker is valued with the excess-return model (bank/insurer/lender), not the operating-cash-flow DCF, so growth-rate and years-of-growth sliders don't apply - only the discount rate (used as cost of equity) and margin of safety do.
Discount rate9.00%
Margin of safety20.00%
- Operating CF
- $1,385,442,000.00
- Total debt
- $3,427,248,896.00
- Cash & STI
- $455,380,992.00
- Shares out.
- 78,909,000
Overvalued
Intrinsic value$155.70
Buy price (with MOS)$124.56
Current price$181.75
Discount to intrinsic value-16.7%
7-step quality scorecard
ROE quality
HIGH_CONSISTENT- Average ROE
- 21.0%
- Current ROE
- 19.4%
- Minimum ROE
- 19.4%
Debt quality
MODERATE- Debt / Equity
- 0.57x
Moat proxy
MODERATE_PROXYCash-flow reliability
NOT_APPLICABLE- Operating CF / Net income
- 1.14x
Technical chart
Confluence: NONE (0/3)Weekly candles, ~3 years. Yellow line: 10-week EMA. Dashed lines: Fibonacci retracement of the last 52-week swing. Green arrow: an active DR1 support reclaim.
Assumptions & data quality
- Data source
- yfinance
- Growth (g1) source
- min(cfCAGR,revenueCAGR)
- Valuation model
- EXCESS_RETURN
- Debt as % of DCF PV
- 36.4%
- Public economic interest
- 100.0%
These are model outputs built on assumptions (growth rate, discount rate, margin of safety), not facts - trust but verify, especially for LOW cash-flow-reliability or UNKNOWN-quality rows.