InsiderStreet Equity Research

Produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation for any investor. Do not rely on it for any investment decision.

Last Close

$168.77

2026-10-16

Market Cap

$13.0B

Volume

0.4M

52-Wk High

$191.55

52-Wk Low

$127.85

Trailing PE

11.1

P/S

2.09

Gross Margin

17.0%

Net Margin

19.6%

ROE

20%

ROIC

2%

Piotroski

6/9

Altman Z

1.0

1-Yr Return

+27.3%

5-Yr Return

+107.3%

Globe Life Inc. delivers diverse life insurance and supplementary health coverage, alongside annuity products, targeting households in the lower-middle to middle-income brackets throughout the United States. The company's operations are structured into four key segments: Life Insurance, Supplemental Health Insurance, Annuities, and Investments. Its offerings encompass whole life, term life, and other life protection plans; supplemental health benefits like Medicare supplements, critical illness, and accident policies; and both single-premium and flexible-premium deferred annuities. Founded in 1979 and headquartered in McKinney, Texas, the enterprise rebranded from Torchmark Corporation to Globe Life Inc. in August 2019.

SectorFinancial ServicesIndustryInsurance - LifeExchangeNYSEMarket Cap$13.0BEmployees3,695 (SEC-filed)CEOFrank Martin SvobodaIPO1980-10-01CountryUS

7677 Henneman Way, McKinney, TX 75070 · Tel 972 569 4000 · home.globelifeinsurance.com

INSIDERSTREET SCORE46 / 100Street mean $197.00 (1 analysts, last qtr) — their number, not ours

INSIDER CONSENSUS SIGNALROUTINE SELLING — LOW SIGNAL$71M sold / 6 mo, zero open-market buys

INSIDERSTREET
SCORE46of 100

Score Breakdown

Profitability	35/100
Growth	54/100
Momentum	78/100
Quality	60/100
Earnings Quality	83/100
Balance Sheet	41/100
Value	73/100
Risk (safety)	100/100
Overall	45.5/100

Each component is a diagnostic reading on its own 0-100 scale. The overall score is computed separately from the underlying financials and is not the average of the rows above — components are not equally weighted and three of them (Momentum, Value, Risk) are derived partly from price rather than from the business.

Peer Comparison — IS Score

Symbol	IS Score
UNM	32
JXN	64
PRI	63
VOYA	42
LNC	30
PUK	53
GL	46

IS Score Trend — quarterly

14 quarters, 23 Q1 to 26 Q2. Peak 62 in 23 Q1, latest 46 — -17 since. Dropped below the 55 line in 24 Q4, at 55. Fell in 3 of the last 4 quarters. Dashed line marks 40 on the 0-100 scale.

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1 Year vs S&P 500 · GL +27.3% · S&P 500 +15.9% · spread +11.5pp

7 Years vs S&P 500 · GL +107.3% · S&P 500 +189.9% · spread -82.6pp

Both charts indexed to 100 at the start of their window and drawn on a single shared scale, so the gap to the benchmark is the gap you see. Adjusted closes throughout.

BUSINESS QUALITY46 / 100IS Score 45.5 / 100 · -16.9 from peak of 62

Fundamental factor model, quarterly. Measures how the business is doing - not where the price is going.

PRICE STRUCTUREBULLISHTechnical Score 68 / 100 · Power +35 · 17 of 22 indicator votes bullish

Vote share across trend, momentum, volume, volatility and pattern families. Describes where the price is, not where it is going.

These two disagree — business quality 46, price structure 68 out of 100, so the price reads better than the business does. We publish the disagreement rather than resolving it: they answer different questions, and the gap between them is information, not an error.

Trigger	Where it stands now	What it would mean
IS Score reaches 55 and holds two consecutive quarters	now 45.5	would move us up one band
IS Score stops falling - one quarter higher than the prior	last four: 54 → 52 → 52 → 46	the direction matters more than the level
Technical vote share back above 50%	now 73%	price structure no longer broken
Institutional holder count rises two quarters running	peak 703 → now 703	fewer institutions willing to hold is our clearest warning

We publish these so the view can be shown to be wrong. If none of them move and our reading does, we owe you an explanation.

This page is InsiderStreet's own reading, produced from the data in the rest of this document. It is not a price target and not investment advice. Analyst consensus and street price targets appear later under their own heading and are the street's numbers, not ours.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Site Convergence Score3 of 4top 4% of 29,420 symbols

Sources Aligned— of 3independent disclosures

Congress (180d)1 buys2026-03-27

Insider Buys (180d)0none disclosed

ETF Funds (30d)503 up / 470 downnet +33 funds

Institutions Added (13F)37managers opening or increasing

Congressional and insider figures are disclosed purchases in the trailing 180 days; ETF figures are COUNTS OF FUNDS whose holding changed in 30 days, not dollars. Coincidence of separate disclosures, not coordination. An absent source means nothing qualifying was disclosed in its window.

Institutions holding — 12 quarters

Peak 703 · latest 703 (+0 from peak).

Quarter	Holders	13F shares	Value	Reported own%	Guard
2026 Q2	703	65.6M	$11.6B	83.7%
2026 Q1	666	64.1M	$8.8B	81.8%
2025 Q4	680	65.3M	$9.0B	83.2%
2025 Q3	672	65.4M	$9.3B	83.5%
2025 Q2	637	67.9M	$8.4B	86.5%
2025 Q1	604	68.5M	$8.9B	87.3%
2024 Q4	566	69.7M	$7.7B	88.9%
2024 Q3	522	68.3M	$7.3B	87.1%
2024 Q2	502	73.9M	$6.0B	94.3%
2024 Q1	598	79.3M	$9.0B	101.1%	ex-outlier 86.7%
2023 Q4	584	75.9M	$9.1B	96.8%
2023 Q3	539	76.1M	$8.2B	97.1%

How to read ownership above 100%. A 13F reports the positions a manager has investment discretion over, and where two or more managers share discretion over the same block, each one reports it. Summed across filers, the total can therefore exceed the shares actually outstanding without anything being wrong. We publish the figure as filed rather than netting it down, and flag separately any quarter where the arithmetic is not merely high but impossible.

Why 2024-03 reads 101.08%. Institutions cannot hold more of a company than exists. The reported 79.3M shares exceed the 78.4M outstanding, and a single filer accounts for the excess: VANGUARD GROUP INC reports 11,255,091 shares against 10,829,098 the prior quarter, a 1x jump, which alone would be 14.4% of the company. Excluding that filing, ownership is 86.7%. We publish both figures. 13F filings are due 45 days after quarter end and amendments keep arriving after that, so the newest quarter is provisional by construction - this is what an unsettled quarter looks like.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Insider	Role	Date	Type	Shares	Value	Post-Txn Owned
Hensley Robert Edward	EVP & Chief Investment Officer	2026-09-22	EXERCISE	10,000	$1.03M	22,384
Hensley Robert Edward	EVP & Chief Investment Officer	2026-09-22	SELL	3,344	$0.57M	19,040
Hensley Robert Edward	EVP & Chief Investment Officer	2026-09-22	SELL	6,656	$1.13M	12,384
Hensley Robert Edward	EVP & Chief Investment Officer	2026-09-22	EXERCISE	10,000	$1.03M	23,000
Mitchell Robert Brian	EVP, General Counsel and CRO	2026-08-07	EXERCISE	23,000	$2.37M	30,981
Mitchell Robert Brian	EVP, General Counsel and CRO	2026-08-07	SELL	11,454	$2.09M	19,527
Mitchell Robert Brian	EVP, General Counsel and CRO	2026-08-07	SELL	10,529	$1.94M	8,998
Mitchell Robert Brian	EVP, General Counsel and CRO	2026-08-07	SELL	1,017	$0.19M	7,981

6-mo decomposition (Form 4)	Txns	Shares	Value	Signal weight
S — Open-market sales	65	430,966	$70.7M	Counted
M — Exercises (paired A/D)	31	417,207	$42.8M	None — mechanics
F — Tax withholding	10	44,655	$6.4M	None — compensation
G — Gifts	3	18,855	—	None
P — Open-market purchases	0	0	$0	Counted — none occurred

Monthly Net Insider Flow (000 shares)

Net of acquisitions minus dispositions, all Form 4 types.

Signal Summary

SignalRoutine Selling — Low Signal

Open-Market Sells$70.7M65 txns / 6 mo

Open-Market Buys$0.0M0 txns / 6 mo

ClusterNone active3+ insiders / 21 days

Member	Chamber	Trade	Size band	Traded	Disclosed
Ro Khanna	House	BUY	$1,001 - $15,000	2026-01-29	2026-02-10
Lisa McClain	House	SELL	$1,001 - $15,000	2025-07-10	2025-08-13
Lisa McClain	House	BUY	$1,001 - $15,000	2025-06-17	2025-08-13
Alan Armstrong	Senate	BUY	$1,001 - $15,000	2026-03-27	2026-07-20
Susan M. Collins	Senate	SELL	$15,001 - $50,000	2024-08-05	2024-09-13
Susan M. Collins	Senate	SELL	$15,001 - $50,000	2024-08-05	2024-09-12

House 12-Mo1 trades1 purchases

Senate 12-Mo1 trades1 purchases

CoverageSTOCK Act filings30-45 day disclosure lag

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

13F Filers (last complete Q)666

13F Shares64M81.8% of shares out

New / Closed85 / 83positions, QoQ

Increased / Reduced222 / 223positions, QoQ

Put/Call (13F)0.86option positions

Free Float99.1%76M sh

2.8 · Largest Reporting 13F Managers

Manager	Shares	Value
Cohen Klingenstein Llc	63,089	$10M
Wealth Enhancement Advisory Servic	60,220	$10M
Smith Thornton Advisors Llc	22,514	$4M
Czech National Bank	22,081	$4M
Steelpeak Wealth, Llc	17,639	$3M
Patton Fund Management, Inc.	15,621	$3M

EDGAR 13F holdings as of 2026-09-30; filer values normalized to dollars.

2.9 · Top ETF & Fund Ownership

Fund	Weight	Position
VITSX	0.0%	$403M
VSMPX	0.0%	$403M
VTSAX	0.0%	$403M
VTI	0.0%	$403M
VOO	0.0%	$334M
VFINX	0.0%	$334M

13F Filers Holding GL — quarterly

Institutional Put/Call — quarterly

Daily short-sale volume as % of volume reported in FINRA's short-sale file — a flow measure, not short interest; dashed = 50-day average.

Latest Session76.7%2026-10-15

20-Day Avg58.4%50-day 57.8%

TrendRising20d vs 50d

By Market CenterQ: 76% · N: 81% · B: 86%latest session

Weekly Notional ($B)

Where GL Trades in the Dark

ATS Venue (4-wk)	Shares	Avg trade
Incr Intelligent Cross Llc	0.5M	25 sh
Ubsa Ubs Ats	0.4M	35 sh
Ebxl Level Ats	0.3M	8 sh
Sgmt Sigma X2	0.3M	19 sh
Mstx Ms Trajectory Cross (Ats-1)	0.3M	14 sh
Mspl Ms Pool (Ats-4)	0.3M	132 sh

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Where a dollar of Globe Life Inc. revenue goes. All values FY2025 filings, live.

GL (live moat model)Peer median: UNM · JXN · PRI · VOYA · LNC

Component scores from the live moat model. Peer median illustrative.

Moat score 43/100 — Weak; primary source Efficient Scale.

3.8 · Employees (SEC filings)

Officer	Title
Frank Martin Svoboda	Co-Chairman & Co-CEO
James Matthew Darden	Co-Chairman & Co-CEO
Thomas Peter Kalmbach	Executive Vice President & Chief Financial Officer
Robert Brian Mitchell	Executive Vice President, General Counsel & Chief Risk Officer

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Revenue ($B)

EPS ($) — GAAP diluted actual, street-basis estimate

Actual bars are GAAP diluted EPS from the filed income statement; the lighter forward bars are street-basis consensus. The two are different measures and are not comparable quarter to quarter.

Quarterly EPS — Actual vs. Consensus

Beats (>2%)1 of 6recent quarters

Avg Surprise-0.4%

Next Report2026-10-21

Income Quality2.13OCF ÷ net income

Beat Rate—%0 of 0 quarters

Current Streak0longest 0

Avg EPS Surprise—%median —%

Surprise Trend—last 4 vs prior 4

Period	EPS est.	EPS actual	EPS surprise	Rev est. ($M)	Rev actual ($M)	Rev surprise

Announcement dates to . Consensus as it stood at each report. Revenue surprise shown where both estimate and actual are filed. A beat record is history, not a forecast.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Profit Margins (%)

Revenue by Segment — Stacked

Live segmentation data.

YoY Growth Heatmap — Income Lines

YoY growth	FY21	FY22	FY23	FY24	FY25
Revenue	+8.1%	+2.1%	+4.2%	+6.1%	+3.8%
Gross profit	+31.4%	-8.6%	+6.4%	+14.0%	+7.1%
Operating income	+42.1%	-13.5%	+8.4%	+11.1%	+10.3%
Net income	+40.9%	-13.3%	+8.5%	+10.3%	+8.4%

$B · FY ends	FY21	FY22	FY23	FY24	FY25
Revenue	5.1	5.2	5.4	5.8	6.0
Cost of revenue	3.4	3.7	3.8	3.9	4.0
Gross profit	1.7	1.5	1.6	1.9	2.0
R&D expense	0.0	0.0	0.0	0.0	0.0
SG&A expense	0.3	0.3	0.3	0.4	0.2
Operating income	1.3	1.1	1.2	1.3	1.5
EBITDA	1.4	1.2	1.3	1.5	1.6
D&A	0.0	0.0	0.0	0.0	0.0
Pretax income	1.3	1.1	1.2	1.3	1.4
Income tax	0.2	0.2	0.2	0.3	0.3
Net income	1.0	0.9	1.0	1.1	1.2
Diluted EPS ($)	7.22	7.47	10.07	11.94	14.06
Diluted shares (M)	103	99	96	85	81

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Operating CF$1B

CapEx$0B

Free cash flow$1B

SBC$0B

Buybacks$1B

Net cash change$-0B

Balance Sheet — Full

$B	FY22	FY23	FY24	FY25
Cash & equivalents	0.1	0.1	0.2	0.1
ST investments	16.6	0.0	17.2	17.9
Receivables (net)	0.6	0.6	0.7	1.0
Total current assets	0.0	0.7	0.0	19.1
PP&E (net)	0.2	0.2	0.3	0.4
Goodwill + intangibles	0.5	0.5	0.5	7.5
Total assets	26.0	28.1	29.1	30.8
Accounts payable	0.5	0.5	0.5	0.5
Short-term debt	0.4	0.5	0.4	0.3
Deferred revenue	0.0	0.0	0.0	0.3
Total current liabilities	0.0	1.5	0.0	2.0
Long-term debt	1.6	1.6	2.3	2.3
Total liabilities	22.0	23.6	23.8	24.8
Shareholders' equity	3.9	4.5	5.3	6.0

Cash Flow Statement — Full

$B	FY22	FY23	FY24	FY25
Net income	0.9	1.0	1.1	1.2
D&A	0.0	0.0	0.0	0.0
Stock-based compensation	0.0	0.0	0.0	0.0
Working capital change	0.8	0.8	0.7	0.6
Operating cash flow	1.4	1.5	1.4	1.4
Capital expenditures	(0.0)	(0.0)	(0.1)	(0.1)
Investing cash flow	(0.9)	(0.9)	(0.6)	(0.6)
Buybacks	(0.5)	(0.5)	(1.0)	(0.9)
Dividends paid	(0.1)	(0.1)	(0.1)	(0.1)
Debt issuance / (repay)	0.0	0.0	0.6	(0.1)
Financing cash flow	(0.5)	(0.5)	(0.7)	(0.8)
Free cash flow	1.4	1.4	1.3	1.3

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Balance Sheet Structure ($B)

Cash Generation vs Capex ($B)

Left: what the balance sheet is made of — the gap between the assets bar and the liabilities bar is book equity. Right: whether the capex bar is covered by the operating-cash bar; where it is not, the difference was funded externally and free cash flow goes negative.

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
PROFITABILITY
ROE	8.6%	13.7%	23.0%	21.9%	20.6%	20%
ROA	2.5%	3.1%	3.6%	3.7%	3.9%	3.8%
ROIC	-6.9%	-8.1%	14.9%	-11.4%	-12.5%	1.5%
Gross margin	32.9%	29.5%	30.1%	32.4%	33.4%	17.0%
Operating margin	24.9%	21.1%	21.9%	23.0%	24.4%	9.2%
Net margin	20.1%	17.1%	17.8%	18.5%	19.4%	19.6%
EBITDA margin	26.5%	22.8%	23.8%	25.2%	26.5%	10.2%
FCF margin	27.3%	26.7%	27.5%	23.0%	20.9%	—
VALUATION
P/E	12.35	13.45	11.78	8.75	9.72	11.1
P/B	1.06	2.94	2.55	1.77	1.89	2.1
P/S	1.80	2.23	2.19	1.62	1.88	2.09
P/FCF	6.57	8.33	7.98	7.04	9.00	10.5
EV/EBITDA	-10.28	-2.62	10.37	-3.64	-2.60	24.8
EV/Revenue	-2.00	-0.58	2.58	-0.92	-0.69	2.5
Earnings yield	8.1%	7.4%	8.5%	11.4%	10.3%	9.16%
FCF yield	15.2%	12.0%	12.5%	14.2%	11.1%	9.50%

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
LEVERAGE & SOLVENCY
Current ratio	—	—	0.49	—	9.66	1.41
Quick ratio	—	—	0.49	—	9.66	1.41
Debt / equity	0.23	0.53	0.47	0.52	0.44	0.48
Debt / assets	6.8%	8.0%	7.5%	9.4%	8.5%	9.3%
Net debt / EBITDA	-19.52	-12.69	1.55	-10.09	-9.69	4.26
Interest coverage	11.93	12.76	12.67	11.44	11.27	—

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Ratio	FY21	FY22	FY23	FY24	FY25	TTM
EFFICIENCY
Asset turnover	0.17	0.19	0.19	0.20	0.20	0.20
Receivables turnover	10.65	9.69	8.56	8.74	6.92	7.6
DSO (days)	34	38	43	42	53	48
DPO (days)	39	45	52	52	49	—
Cash conversion cycle	-5	-8	-10	-10	4	48
GROWTH (YoY)
Revenue growth	8.1%	1.8%	0.1%	10.7%	3.8%	—
Net income growth	1.8%	15.9%	12.4%	10.3%	8.4%	—
EPS growth	6.3%	19.1%	16.1%	24.2%	13.7%	—
FCF growth	-2.5%	-0.4%	2.8%	-7.1%	-5.8%	—
PER SHARE ($)
EPS (diluted, TTM)	7.35	8.76	10.17	12.63	14.36	15.46
Book value / share	85.28	40.04	47.00	62.60	73.90	78.50
Revenue / share	50.54	52.86	54.68	68.18	74.19	79.02
FCF / share	13.81	14.13	15.01	15.71	15.51	15.72
Cash / share	211.82	169.40	1.08	205.38	223.23	5.81
SHAREHOLDER RETURN & SCORES
Buyback yield	5.9%	3.9%	4.5%	10.7%	7.8%	6.19%
Altman Z-Score	0.83	1.03	0.97	0.99	1.69	1.0
Piotroski F-Score	6	7	7	7	7	6/9
Beneish M-Score	-2.48	-2.53	-2.54	-2.44	-2.26	-3.20

Model	Score	Zone	Note
Piotroski F-Score	6 / 9	Middling
Altman Z-Score	1.0	Distress (<1.81)	Distress
Income quality	2.13	Cash-backed	OCF ÷ net income
Beneish M-Score	-3.20	Non-manipulator	vs −2.22 threshold

DuPont Decomposition (TTM)	Value
Tax burden	0.81
Interest burden	2.38
Operating margin	10.2%
Asset turnover	0.20×
Financial leverage	5.30×
= ROE	21%

Growth Quality (live)	Value
Revenue stability	0.90
Earnings stability	0.93
Earnings persistence	0.94
Revenue CAGR 3y	7.1%
EPS CAGR 3y	20.2%
FCF CAGR 3y	-6.2%

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Buyback Yield6.19%

Dividend Yield0.75%

Total Shareholder Return5.56%cash yield

SBC / Revenue0.0%dilution pressure

Company	Mkt cap	P/E	ROE	Net margin	Rev growth	Piotroski	1-yr ret
UNM	$14.6B	21.5	6%	7.8%	+3.3%	7/9	+25.9%
JXN	$8.8B	163.2	1%	—	+18.6%	7/9	+39.2%
PRI	$8.7B	11.3	33%	23.4%	+7.6%	8/9	+9.7%
VOYA	$8.5B	15.7	13%	5.0%	-25.5%	6/9	+31.9%
LNC	$7.6B	3.3	23%	29.3%	+7.2%	4/9	—
PUK	$29.6B	8.5	39%	6.4%	+175.6%	7/9	—
CNO	$5.1B	18.4	11%	9.8%	+6.0%	6/9	—
AEL	$4.5B	21.5	4%	11.6%	-62.8%	6/9	—

1-yr returns computed from adjusted price history; peers without a tracked series show —.

Hold

28 Analysts

Str Sell (0)Sell (7)Hold (11)Buy (9)Str Buy (1)

Mean Target (qtr)$197.001 targets

Target vs. Price+16.7%last-quarter mean

Next Report2026-10-21street $4.91

Consensus estimates	Revenue mean	High / Low	EPS mean	High / Low	# EPS est.
FY2026	$6.40B	$6.43B / $6.39B	$15.73	$15.81 / $15.60	7
FY2027	$6.81B	$6.90B / $6.71B	$16.51	$16.85 / $16.03	7
FY2028	$7.18B	$7.40B / $6.96B	$17.94	$18.74 / $16.96	4

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Street Price Target — Trajectory

Window	Avg Target	vs. Price	# Targets
Last Month	$197.00	+16.7%	1
Last Quarter	$197.00	+16.7%	1
Last Year	$176.20	+4.4%	10
All Time	$131.95	-21.8%	32

Rolling mean of published targets vs. last close $168.77. Aggregated from StreetInsider, Benzinga.

Third-Party Composite Rating

A

DCF

5/5

ROE

5/5

ROA

5/5

Debt/Eq

3/5

P/E

3/5

P/B

2/5

Independent quant composite as of 2026-10-16; components scored 1–5 (5 best). Shown for contrast with the InsiderStreet Score — methodologies differ.

GL +27.3% vs S&P 500 +15.9% — spread +11.5pp

Sector — XLF +7.2%

Peer Set — indexed to 100

All series indexed to 100 at the start of the window, adjusted closes.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Candlesticks with SMA 20/50 overlay, Bollinger (20,2σ) band, volume, and Wilder RSI(14) — computed from live daily OHLCV.

Moving Average	Value	Distance	% Distance	Signal
SMA 20	$166.60	+2.17	+1.30%	Above
SMA 50	$171.32	-2.55	-1.49%	Below
SMA 200	$158.06	+10.71	+6.78%	Above
EMA 9	$166.79	+1.98	+1.19%	Above
EMA 21	$167.46	+1.31	+0.78%	Above
EMA 50	$169.64	-0.87	-0.51%	Below
EMA 200	$159.98	+8.79	+5.49%	Above

Series and readings from the nightly technical-indicator history — identical data to the site's ribbon chart. Supertrend segments colored by direction.

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

TECHNICAL VERDICTBULLISHPower Score +3517 of 22 indicator votes bullish

Family Scores (site weights)

Trend 30%56

Momentum 25%90

Volume 20%69

Volatility 10%50

Patterns 15%62

This Week73% bullishof 11 price-based votes

4 Weeks Ago64%+9 pts since

12 Weeks Ago45%+28 pts since

ReadImprovingweek-over-week trajectory

Price vs SMA 20$166.60

Price vs SMA 50$171.32

Price vs SMA 200$158.06

EMA 9/21 Cross166.8/167.5

SMA 50/200Golden

ADX DirectionADX 19

Supertrend$173

Parabolic SAR$164

SMA Slope-0.210

RSI52.3

Stochastic K/D80/66

StochRSI K/D100/99

Williams %R-18

CCI71

TSI vs Signal-15.0

CMO4.5

ROC2.07%

OBV SignalAccum

Chaikin MF-0.260

MFI59

Force Index0M

Elder Ray Bull2.05

RSI (14)30 oversold · 70 overbought

Stochastic %Kvs %D 66

Money Flowvolume-weighted RSI

ADXtrend strength · <20 weak

Williams %Rinverted scale

Level	Value	Level	Value
Pivot / R1 / R2	$168.20 / $169.39 / $171.20	S1 / S2	$166.39 / $165.20
Bollinger (20,2)	$162.92 – $170.29	Squeeze	ON
52-wk range	$126.81 – $191.17	Off 52-wk high	-11.7%
ATR (14)	$2.92 (1.7%)	Historical vol	13.1%

NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

-0.1%Jan65%

-1.2%Feb60%

+1.3%Mar62%

+1.4%Apr65%

+1.7%May50%

-0.8%Jun55%

+2.4%Jul65%

+1.0%Aug60%

+0.6%Sep50%

+1.4%Oct60%

+3.0%Nov85%

+2.8%Dec75%

Sample: 20 years — treat short histories as suggestive, not statistical.

Computed from live weekly prices	GL	S&P 500
Weekly volatility (σ, 1y)	2.44%	1.83%
Best / worst week (1y)	+6.5% / -3.6%	—
Max drawdown (5y, monthly)	-44.8%	—
1-week VaR (95%)	-3.2%	—
Beta (5y)	0.46	1.00

GL EQUITY WEATHER (LIVE)RAINY · -23

Trend-28

Momentum+25

Volume-69

Volatility-30

Breadth-23

MARKET REGIME (2026-10-16)NEUTRAL

VIX19.99Normal

Dow TheoryConfirmed Bearish

SPY / QQQ TSI7.2 / 4.7trend strength

Sector Strength46/100breadth average

Average sentiment of 132 stories, weekly buckets, −1 to +1.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Overall-22.6-3.1 vs industry

Trend-27.9-1.0 vs industry

Momentum+25.4+40.1 vs industry

Volume-69.4-40.2 vs industry

Reading	GL	Insurance - Life n=167	Financial Services n=24,134	All US symbols n=70,435
Overall	-22.6	-19.5	-16.3	-20.5
Trend	-27.9	-26.8	-12.5	-21.3
Momentum	+25.4	-14.7	-4.4	-15.8
Volume	-69.4	-29.2	+0.0	-3.8

Trend, momentum and volume are computed per company. Volatility and breadth are market-regime values shared by every symbol in the universe, so they are reported once under Market Regime rather than compared here - a company cannot differ from its sector on a constant.

Executive	Total comp	Structure
Gary L. Coleman, Co-Chairman and Chief Execu	$7.6M	38% equity+incentive
Larry M. Hutchison, Co-Chairman and Chief Ex	$7.4M	39% equity+incentive
Roger C. Smith President & Chief Executive O	$4.5M	30% equity+incentive
Vern D. Herbel Executive Vice President & Ch	$3.7M	21% equity+incentive
W. Michael Pressley Executive Vice President	$2.8M	29% equity+incentive

Pillar (live disclosure scores)	Score
Environmental	41
Social	59
Governance	54
Composite ESG	51

Composite ESG Trend

Methodology. Every figure originates in InsiderStreet's production data layer and is computed deterministically by the same engines that power insiderstreet.ai. This factsheet contains no model-written text. Sections without underlying data are omitted rather than estimated.

DISCLOSURES. This document is produced by InsiderStreet.ai from live production data. It is not investment advice, not an offer or solicitation to buy or sell any security, and not a recommendation tailored to any person. Data is sourced as of the dates shown and may no longer be current. InsiderStreet.ai is not a registered investment adviser or broker-dealer. Investing involves risk, including loss of principal. Past performance does not guarantee future results. Do not make any investment decision based on this document. © 2026 InsiderStreet.ai — all rights reserved. Redistribution prohibited.

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NOT INVESTMENT ADVICE — FOR INFORMATIONAL PURPOSES ONLY

Data domain	Source	Coverage for this report
Price & volume	market_db.historical_prices	52 rows
Fundamentals	income_statements_annual	6 rows · 2020 to 2025
Reported vs consensus	fact/earnings_calendar	24 rows · 2020-10-21 to 2026-07-22
Analyst estimates	dim/forward_estimates	3 rows · 2026-12-31 to 2028-12-31
Institutional ownership (13F)	holdings_db.institutional_ownership_summary	42 rows · 2016 to 2026
Insider transactions (Form 4)	edgar/form4	12 rows · 2026-07-31 to 2026-09-22
Proposed sales (Form 144)	edgar/form144	not present for this symbol
Beneficial ownership (13D/G)	edgar/13dg	not present for this symbol
Short-sale volume (FINRA)	edgar/short_volume_daily	60 rows · 2026-07-23 to 2026-10-15
Dark pool (ATS, tier 1)	edgar/darkpool_weekly	12 rows · 2026-06-15 to 2026-08-31
ETF & fund holding	etf_holdings_changelog (30d)	1 record
Peer set	stock_peers_dynamic	8 rows
Industry medians	industry_medians	1 record
Congressional trades	congress_db (House + Senate)	1 record
ESG	fact/esg_disclosures	1 record

Method. Every figure in this factsheet is looked up from a named field computed in code. It contains no model-written text.

Not covered. Short interest as a percent of float and days-to-cover are not in this data set — the short-sale figures above are FINRA volume, a flow, and cannot support squeeze or covering analysis. Options positioning and intraday data are also absent. 13F ownership is filed 45 days after quarter end and congressional trades are disclosed on a lag, so both describe a past position, not a current one.

Globe Life Inc. (GL)

Score Breakdown

Peer Comparison — IS Score

IS Score Trend — quarterly

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Institutions holding — 12 quarters

Globe Life Inc. (GL)

Monthly Net Insider Flow (000 shares)

Signal Summary

Globe Life Inc. (GL)

2.8 · Largest Reporting 13F Managers

2.9 · Top ETF & Fund Ownership

13F Filers Holding GL — quarterly

Institutional Put/Call — quarterly

Where GL Trades in the Dark

Globe Life Inc. (GL)

3.8 · Employees (SEC filings)

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Balance Sheet — Full

Cash Flow Statement — Full

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Street Price Target — Trajectory

Third-Party Composite Rating

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Family Scores (site weights)

Globe Life Inc. (GL)

Globe Life Inc. (GL)

Globe Life Inc. (GL)