
GL Stock Forecast & Price Target
GL Analyst Ratings
Bulls say
Globe Life Inc is positioned for positive growth, driven by an anticipated rise in life premium growth of 4%-5% and health premium growth projected at 9%-11% in the coming year. The company has reported favorable mortality experience, contributing to a total remeasurement gain of $150 million in the third quarter, underscoring the strength of its life and health insurance segments. Additionally, the current operating environment is bolstered by higher interest rates, demographic tailwinds, and advancements in technology, all of which support improved growth prospects for the insurance industry as a whole.
Bears say
Globe Life Inc. is projecting operating earnings per share of $14.60-$15.30 for 2026, reflecting only 3% growth at the midpoint, which falls below its historical average primarily due to adverse assumption updates in 2025. The company's free cash flow conversion has shown a concerning decline from approximately 80% during 2013-2015 to 60-65% between 2018-2021, indicating potential challenges in sustaining cash generation amidst increasing GAAP earnings. Additionally, various risks, including an ongoing EEOC review, rising health utilization rates, and difficulties in recruiting salesforce, may further pressure the company's top-line performance and erode investor confidence.
This aggregate rating is based on analysts' research of Globe Life Inc and is not a guaranteed prediction by Public.com or investment advice.
GL Analyst Forecast & Price Prediction
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