What Is GL Fair Value?
Globe Life (GL) fair value estimate using multiple valuation models, updated daily.
As of July 16, 2026, Globe Life (GL) has a composite fair value estimate of $293.52 based on four valuation models: DCF (35% weight), Graham Number (25% weight), PEG (25% weight), and DDM (15% weight). The current market price is $181.51, suggesting the stock is undervalued by 61.7%.
Data as of July 16, 2026 (today)
Composite Fair Value
Undervalued4 of 4 models$293.52
vs. current price of $181.51(+61.7%)
How Is GL Fair Value Calculated?
Four independent models estimate what GL is worth. Each uses different inputs and assumptions. The composite blends them by weight.
GL Intrinsic Value
Forward-looking models based on future cash flows
DCF (Discounted Cash Flow)
35% weightEstimates how much cash the company will generate over the next 10 years, then calculates what all that future cash is worth in today's dollars. Includes a 15% safety cushion. Try the standalone DCF calculator →
$503.35
+177.3%Undervalued
Inputs used
DDM (Dividend Discount Model)
15% weightIf a company pays you dividends, this model asks: how much are all those future dividend payments worth today? Only works for stocks that pay dividends. Try the intrinsic value calculator →
$37.92
-79.1%Overvalued
Inputs used
GL Fair Value
Current fundamentals: earnings, assets, and growth rate
Graham Number (Value Investing)
25% weightCreated by legendary investor Benjamin Graham. It looks at two things: how much the company earns (EPS) and what its assets are worth (Book Value), then calculates the maximum price a careful investor should pay. Try the fair value calculator →
$165.83
-8.6%Fair Value
Inputs used
PEG (Price/Earnings to Growth)
25% weightChecks if you're paying a fair price for the company's growth. A fast-growing company deserves a higher price than a slow one. This model finds the right price based on how fast earnings are growing.
$156.46
-13.8%Fair Value
Inputs used
What If You Change the Assumptions?
Drag the sliders to test different scenarios. Tap the ? buttons to learn what each input means.
Your DCF Fair Value
Current price $181.51 is 177.3% below this estimate
View 10-year cash flow projections
| Year | Projected FCF (Free Cash Flow) | Present Value |
|---|---|---|
| Year 1 | $1.41B | $1.32B |
| Year 2 | $1.51B | $1.33B |
| Year 3 | $1.61B | $1.33B |
| Year 4 | $1.72B | $1.34B |
| Year 5 | $1.84B | $1.35B |
| Year 6 | $1.97B | $1.35B |
| Year 7 | $2.11B | $1.36B |
| Year 8 | $2.26B | $1.36B |
| Year 9 | $2.41B | $1.37B |
| Year 10 | $2.58B | $1.38B |
| Terminal Value | $66.25B | $35.31B |
What Are GL's Key Financial Metrics?
Earnings & Growth
Current Price
$181.51
EPS (TTM)
$14.65
Forward P/E
10.9
Profit Margin
19.4%
Cash & Balance Sheet
Free Cash Flow
1.3B
EBITDA
1.6B
Book Value
$78.12
Total Debt
3.3B
What Do Analysts Say About GL?
Low
$150.00
Average
$186.27
High
$215.00
Upside
+2.6%
GL Fair Value FAQ
What is the fair value of GL?
Based on our composite model (DCF 35%, Graham 25%, PEG 25%, DDM 15%), GL's estimated fair value is $293.52. The stock is currently trading at $181.51, which makes it undervalued by our analysis.
How is GL's fair value calculated?
We use four valuation methods: Discounted Cash Flow (DCF), Graham Number, PEG-based Fair Value, and Dividend Discount Model (for dividend-paying stocks). The composite score weights DCF at 35%, Graham and PEG at 25% each, and DDM at 15%. When a model can't be applied, its weight is redistributed proportionally.
Is GL overvalued or undervalued?
Based on our analysis, GL is undervalued. The current price of $181.51 is 61.7% below our estimated fair value of $293.52.
What do Wall Street analysts say about GL?
11 analysts cover Globe Life with a consensus rating of "Buy." The average price target is $186.27, ranging from $150.00 to $215.00. This implies 2.6% upside from the current price.