Globe Life (GL): Assessing Valuation After Strong Q3 Earnings and Upgraded Outlook for 2025-2026

Globe Life (GL) just released its third quarter 2025 earnings, reporting meaningful growth in both net income and revenue compared to last year. The company also issued a higher earnings outlook for the coming two years.

See our latest analysis for Globe Life.

Globe Life has stayed in the spotlight this year thanks to strong results, fresh earnings guidance, and active buybacks. While the share price dipped 7.1% over the past month, the stock is still up nearly 20% on a year-to-date basis. Long-term shareholders have seen a one-year total return of 26.7%. This blend of operational momentum and strategic shifts is clearly helping build long-term investor confidence.

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The big question remains: with shares already up strongly this year and analysts forecasting more upside, is Globe Life still undervalued, or has the recent strength already captured future growth in its share price?

Most Popular Narrative: 19.2% Undervalued

With Globe Life closing at $134.37 while the most followed narrative sets fair value near $166.27, expectations for growth and profitability are clearly running high. The market seems poised for upside if the narrative’s assumptions about operational improvements and financial flexibility come to pass.

The planned establishment of a Bermuda reinsurance affiliate is expected to significantly increase parent company free cash flow and financial flexibility by 2027 and beyond. This would provide greater capacity for share repurchases and/or strategic investments, positively impacting earnings per share.

Read the complete narrative.

Curious what drives this bullish narrative? There is a set of bold predictions about operational shifts, profit margins, and future buybacks. One assumption in particular could change the story for years. Find out what it is by diving into the full narrative.

Result: Fair Value of $166.27 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, Globe Life’s continued reliance on traditional agent sales and vulnerability to interest rate changes could become factors that challenge the company’s optimistic outlook.

Find out about the key risks to this Globe Life narrative.

Build Your Own Globe Life Narrative

Keep in mind, if this perspective does not align with yours, you can dig into the details and craft your own view in just a few minutes. Do it your way.

A great starting point for your Globe Life research is our analysis highlighting 4 key rewards and 1 important warning sign that could impact your investment decision.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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