
GL Stock Forecast & Price Target
GL Analyst Ratings
Bulls say
Globe Life Inc. benefits from a gradually improving life insurance industry, which has been characterized by reduced liability tail risk, enhanced returns, and expanded free cash flow conversion over more than a decade. Expected life premium growth of 4%-5% combined with projected health premium increases of 9%-11% positions the company favorably for future revenue expansions, reflecting positive sales trends across its various segments. Additionally, a current favorable operating environment, bolstered by higher interest rates, demographic advantages, and advancements in technology, supports a robust outlook for the company's financial performance.
Bears say
Globe Life Inc. has issued guidance for operating earnings per share in 2026 ranging from $14.60 to $15.30, indicating a modest growth of only 3% at the midpoint, primarily driven by significant assumption updates that negatively affect projections. The company's free cash flow conversion has shown a consistent decline, from approximately 80% in 2013-2015 to a projected 60-65% from 2018-2021, which raises concerns about its long-term financial stability in comparison to its historically higher performance. Additionally, the company faces multiple risks, including potential regulatory backlash from ongoing EEOC reviews, increased health utilization pressures, and challenges in recruiting sales personnel, all of which could hinder its future revenue prospects.
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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