GL
GLOBE LIFE INC.Evidence as of 2026-10-13The desk's Snapshot
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Overview · GLOBE LIFE INC.
Globe Life Inc., through its subsidiaries, provides various life and supplemental health insurance products, and annuities to lower middle to middle income households in the United States. The company operates through four segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. It offers whole, term, and other life insurance products; Medicare supplement and supplemental health insurance…
Management team
- Mr. Christopher K. Tyler · Executive VP & Chief Information OfficerFind on LinkedIn
- Mr. M. Shane Henrie · Corporate Senior VP & Chief Accounting OfficerFind on LinkedIn
- Mr. Michael Clay Majors · Executive VP of Policy Acquisition & Chief Strategy OfficerFind on LinkedIn
- Mr. Robert Brian Mitchell J.D. · Executive VP, General Counsel & Chief Risk OfficerFind on LinkedIn
Start free to see the full management team.
Links open LinkedIn searches, not verified profiles. Team data from our market-data vendor's company profile.
Moneyta sentiment
Where the published evidence leans after the desk debated it, not a rating or a recommendation.
−0.5 on a −2 to +2 scale.
What builds the score
Solid bars are analyst rubric scores; faded bars are computed directly from data. Claims dropped in debate count for nothing; weakened claims count at half weight.
Editor's note
Written after the debate settled. The rest of the page is the evidence behind it.
The surviving filings and data show revenue of $ 1,599,730,000 and net income of $ 287,747,000 in the single fiscal quarter ended 30 June 2026 (fiscal Q2 2026, fiscal quarter ended 2026-07-31), up from $ 1,559,619,000 and $ 270,526,000 respectively in the prior quarter. Diluted EPS rose to $ 3.65 from $ 3.39 quarter-over-quarter while reported common shares outstanding fell from 82,542,877 as of 2025-04-30 to 76,849,447 as of 2026-07-31, and weighted-average diluted shares declined from 82,792,661 in the single fiscal quarter ended 30 June 2025 to 78,909,152 in Q2 2026.
Balance-sheet detail shows total assets up to $ 31,562,519,000 as of 30 June 2026 with stockholders’ equity at $ 6,155,815,000 and long-term debt rising to $ 2,665,296,000 from $ 2,320,793,000 at 31 December 2025. Market and valuation metrics in the packet are mixed: a golden_cross technical posture with price + 4.6% above the 200‑day SMA but - 4.5% below the 50‑day; 12‑month P/E of 11.14, P/FCF of 8.01, trailing twelve‑month FCF of $ 1,626,988,000, implied FCF growth of -11.71% at today’s price, enterprise value of $ 14,280,147,689 and implied net debt of about $ 1,590,767,000. Institutional holdings totalled $ 11.39B (704 holders) as of the 13F period ended 2026-06-30, while the parsed insider cluster shows roughly $ 30.0M of insider sales and no insider buys in the 180‑day window.
How this note was made
every stage ran before the note was writtenAnalyst desk
Mercer, Oakes, Nash, Ellis, Yates, Talbot and Archer. The desk: named AI agents, not people. Each reads one slice of the evidence and nothing else (no outside knowledge, no browsing), so every finding traces to a source you can open.
Reads the XBRL figures companies file with the SEC (revenue, margins, income, debt and share count, quarter by quarter) and reports which way the trend is running.
Reported revenues for the single fiscal quarter ended 30 June 2026 (fiscal Q2 2026, 2026-04-01 to 2026-06-30, 3mo) were $1,599,730,000, up from $1,559,619,000 in the single fiscal quarter ended 31 March 2026 (fiscal Q1 2026, 2026-01-01 to 2026-03-31, 3mo).
XBRL companyfacts · 0000320335-26-000216Net income for the single fiscal quarter ended 30 June 2026 (fiscal Q2 2026, 2026-04-01 to 2026-06-30, 3mo) was $287,747,000, compared with $270,526,000 for the single fiscal quarter ended 31 March 2026 (fiscal Q1 2026, 2026-01-01 to 2026-03-31, 3mo).
XBRL companyfacts · 0000320335-26-000216Reads the filings themselves, above all the year-over-year diff of Item 1A risk factors: which risks a company added, dropped or quietly reworded since its last annual report.
Which filings the desk reads
The desk reads the annual 10-K in full: its risk factors, and how they changed since last year. Quarterly 10-Qs and event filings (8-Ks, insider Form 4s) are listed for context but not read line by line: the 10-K is where the material risk disclosures live. A brand-new company, or one we have only just begun tracking, may have no annual report on file yet; its risk analysis fills in once that lands.
The 2025 Form 10-K (filed 2026-02-25) added or emphasized a risk that the Company’s future success depends substantially on its ability to recruit, hire, and motivate highly-skilled insurance personnel and develop and retain producing agents.
10-K filed 2026-02-25The 2025 Form 10-K (filed 2026-02-25) added language calling out increased investment in alternative investments (such as limited partnerships), noting these investments may be illiquid, more volatile, may not meet regulatory admissibility requirements, and could negatively affect investment income, portfolio liquidity, and regulatory capital of insurance subsidiaries.
10-K filed 2026-02-25Reads the signal panel above (momentum, volatility, drawdown, relative strength and beta) and ranks each against the whole research universe rather than judging it in isolation.
Momentum over the past 6 months is +12.1%, placing GL at the 68th percentile of the 881-stock research universe on 2026-10-12.
Moneyta signal set · 2026-10-12weakened in debateShort-term momentum over the past 3 months is -7.7%, which contrasts with the stronger medium-term momentum readings.
Moneyta signal set · 2026-10-12Reads which funds hold the name and at what weight, plus insider Form 4 filings, to show the exposure you may already carry through index funds.
Institutional holdings reported $11.39B in total value, with 704 institutional holders and a quarter-over-quarter value change of 41.2%, as of the 13F period ended 2026-06-30.
13F holdings · 704 filers · as of 2026-06-30The top institutional holders reported for the 2026-06-30 13F period include BlackRock, Inc. at $987.9M, VANGUARD CAPITAL MANAGEMENT LLC at $907.8M (marked as a new position), Invesco Ltd. at $825.4M, VANGUARD PORTFOLIO MANAGEMENT LLC at $747.2M, and STATE STREET CORP at $667.4M.
13F holdings · 704 filers · as of 2026-06-30Reads recent headlines that are genuinely about this company, ignoring rating chatter and market-wide stories. Findings argue in the debate but never move the sentiment score.
Several articles highlight Globe Life's rollout of artificial intelligence tools across administration, underwriting, and sales support as a driver of operating-cost trimming and agent productivity improvement.
News · simplywall.st · 2026-10-12Coverage notes that the AI rollout has prompted fresh investor attention and is being discussed in the context of a valuation test for the company.
News · simplywall.st · 2026-10-11Reads parsed Forms 3/4/5: who bought or sold, at what size, and whether a 10b5-1 plan was involved. Flags clustered open-market officer buying; treats plan sales as routine and never counts a fund or 10%-holder as an officer.
Robert Edward Hensley (EVP & Chief Investment Officer) reported sales totaling $1.7M across 9/22/2026 filings: a $567k sale of 3,344 shares and a $1.1M sale of 6,656 shares; the filings show no 10b5-1 trading plan flag.
Form 4 · Hensley Robert Edward (EVP & Chief Investment Officer) · $1.0M code M · 2026-09-22Robert Brian Mitchell (EVP, General Counsel and CRO) reported sales on 8/7/2026 totaling $6.3M across transactions (11,454; 10,529; and 1,017 shares); the filing shows no 10b5-1 trading plan flag.
Form 4 · MITCHELL ROBERT BRIAN (EVP, General Counsel and CRO) · $2.4M code M · 2026-08-07Reads the implied-expectations math built from the company's own filings (the growth rate today's price would justify, and the multiples beside it) and argues whether the market's bar looks high or low for this business. Never turns the math into a target.
The model shows an implied free cash flow (FCF) growth rate of -11.71% that today's price would justify under the stated discount and terminal assumptions.
Valuation inputs · SEC XBRL + stored EOD closePrice-to-FFO/FCF metrics in the evidence show price-to-free-cash-flow (P/FCF) of 8.01 and free cash flow per share of $20.6185 on a trailing twelve-month basis.
Valuation inputs · SEC XBRL + stored EOD closeDebate and risk review
A bull and a bear contest the claims and the chair rules on each; the risk review stress-tests what survived.
A bull and a bear argue the analysts' claims across two rounds, then a chair rules on each one. Only what survives feeds the score. The argument is shown, not hidden, so you can judge the reasoning yourself.
Several company-reported fundamentals and market-position signals together support a favorable read: sequential revenue, net income, and diluted EPS improved in Q2 2026 versus Q1 2026 (fundamentals-0, fundamentals-1, fundamentals-2), share counts have declined year-over-year consistent with meaningful buyback activity (fundamentals-3, fundamentals-4, fundamentals-5), and total assets and equity increased in the first half of 2026 (fundamentals-6). Valuation and cash-flow metrics show relatively low P/FCF and P/E and substantial trailing free cash flow versus operating income (valuation-1, valuation-2, valuation-5), while institutional ownership and recent analyst buy-side coverage provide external demand context (ownership-0, ownership-1, third-party street consensus). Market technicals and momentum over medium-to-long horizons, plus press coverage of an AI rollout that management links to cost and productivity benefits, add supportive market-sentiment and operational-efficiency signals (market-0, market-2, market-3, news-0, news-4). In contesting bear points, the strongest negatives (insider sales activity, filing-disclosed risks like reinsurance and alternative-investment exposure, and a large historical drawdown) are documented but do not negate the observed recent operating improvements, balance-sheet growth, buybacks, and favorable cash-flow multiples; the evidence for those negatives is mixed in immediacy and interpretation (filings-2, filings-1, filings-4, insider-0 through insider-5, market-4).
Chair's verdict, claim by claim
Fragility · computed, not argued
balanced0.33
42 surviving claims rest on 20 distinct sources; the heaviest analyst carries 19% of them, and 96% of what the desk raised survived the debate.
The reading is moderately robust: 42 surviving claims drawn from 20 distinct sources gives cross-source backing, but a single analyst carrying nearly a fifth of the claims creates a concentration risk in interpretation. The very high survival rate (96%) indicates that few claims were overturned in debate, which reduces internal uncertainty but also suggests the desk’s critique was narrow — treat the set as information-rich but not free of source- or analyst-driven fragility.
Peer context · computed, not argued
12-1 momentum ranks 2nd of 3 in Insurance—Life (as of 2026-10-12).
6-month relative strength ranks 3rd of 3 in Insurance—Life (as of 2026-10-12).
90-day volatility ranks 2nd of 3 in Insurance—Life (as of 2026-10-12).
Disconfirming evidence · base rates · falsifiers
Context
Outside consensus, and where this name already sits in your own portfolio.
Third-party consensus shown for context. It never enters Moneyta sentiment. When the two diverge, the debate above is where the why lives.
What this was built from
Every figure on this page traces to one of these. The desk reads only what is listed here (no outside knowledge, no browsing), and each card shows who read it and what it contributed to the score.
11 filings· 2 cited
SEC XBRL filings
Quarterly figures as filed with the SEC, read straight from EDGAR's structured data, not retyped or estimated.
Read by Mercer+0.9 to the score
5 documents· 3 cited
SEC filing documents
The filings themselves, including the year-over-year comparison of Item 1A risk factors.
Read by Oakes−0.4 to the score
1 signal set
Moneyta signal set
Computed from our own end-of-day price history and ranked against the whole research universe. No AI involved.
Read by Nash−0.2 to the score
3 holdings records· 1 cited
Fund holdings
Which funds hold this name and at what weight, plus insider Form 4 filings.
Read by Ellis+0.8 to the score
8 headlines· 2 cited
News coverage
Recent headlines about this company, rating chatter excluded and nothing published after the report date.
Read by Yatesnothing survived
6 filings· 2 cited
Insider filings
Parsed Forms 3/4/5 from EDGAR: named insiders, share counts, prices, and 10b5-1 plan state, with stated and inferred flags kept apart.
Read by Talbot−2.0 to the score
1 computation
Valuation inputs
TTM cash-flow figures from the company's own XBRL filings, priced with the stored closing price. Implied growth and multiples only; no fair-value dollar figure reaches the desk, by design.
Read by Archercontext only
1 record· 0 cited
Company profile
Sector, industry and company details.
1 record· 0 cited
Analyst consensus
Third-party consensus, shown for context only; it never enters Moneyta sentiment.
Read means we pulled and handed it to an analyst; cited means a claim on this page points at it. Reading twelve quarters to state one trend is normal; the gap is shown rather than hidden.
Written by AI, checked against sources
The analysts, the bull–bear debate and the editor's note are AI agents reading only the evidence listed on this page. They can misread a filing or a headline, which is why every claim cites a source you can open and check yourself. The sentiment score is arithmetic over the claims that survived the debate, not a language model's opinion.
Educational analysis of published data. Moneyta does not give investment advice or make recommendations. Past patterns do not indicate future results.
The full terminal on GL Gold
Who holds it, who's buying, what the Street thinks: live behind the lock, updated as filings land.
Institutional holders
Net institutional flow, Q/Q
Largest holder position
Insider buys, 90 days
Clustered insider value
Street target range
The real figures are for members. Educational analysis, not advice.
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Educational analysis of published data. Moneyta does not give investment advice or make recommendations.