Mulya.ai
Ticker
GL
Scenario
Key Inputs
Revenue est.?Analyst
OP margin est.?Analyst
Reinvestment est.?avg_lt_ttm
R&D capitalizedNo
Leases factoredNo
Key Assumptions
WACC ?6.2%
ERP ?4.5%
Risk-free rate ?4.1%
Beta (blended) ?0.455
Beta (levered) ?0.541
Terminal OM% ?19.1%
Segment conc. ?69% dominant
Terminal growth ?4.1%
Bond rating ?AAA · 0.72%
ROIC option ?Opt 1 · 8.6%
Prob of failure ?0.0%
Pipeline validated · 2026-05-17

GL · Globe Life Inc.

$142.602026-05-17
Sector: Financial Services; Industry: Insurance - Life; Sub-Industry: Life & Health Insurance

Intrinsic Value Range Comparison · Mulya.ai

Bull
$488
+242.1% vs market
Base · active
$413
+189.7% vs market
Bear
$397
+178.1% vs market
Mulya.ai vs Analyst IV Comparison?
Market $143
Median $163
Bear $397
Base $413
Bull $488
Market Price $143
Mulya.ai Base $413
Analysts Median $163
Mulya.ai IV range ($397 · $488)
Analysts Range ($157 · $176)
Fundamentals · historical + forward · base
italics = DCF projection
PeriodRevenueRev Gr ?Ops M% ?Tax Rate ?NOPAT ?
Reinvest ?
FCFF ?WACC% ?PV FCFF ?ROIC ?Inv. Cap ?EPS ?P/E
2021.Q4$5.1B24.9%18.4%$1.0B−$38MM$1.0B4.2%0.0%−$10.8B$12.75
2022.Q4$5.2B2.1%21.1%18.8%$895MM−$28MM$867MM6.0%0.0%−$10.7B$11.06
2023.Q4$5.4B4.2%21.9%18.7%$971MM−$50MM$921MM5.8%0.0%−$11.5B$12.01
2024.Q4$5.8B6.1%23.0%19.3%$1.1B$680MM$1.8B6.5%0.0%−$9.4B$13.24
2025.Q4$6.0B3.8%24.4%19.3%$1.2B−$142MM$1.0B6.3%0.0%−$9.4B$14.367.9
italics below = DCF projection · 10yr Rev CAGR: 5%
2026.Q4$6.4B+6.6%24.3%19.4%$1.2B−$161MM$1.1B6.4%$1.0B0.0%−$9.3B$15.469.2
2027.Q4$6.8B+5.7%24.3%19.5%$1.3B−$152MM$1.2B6.6%$1.0B0.0%−$9.1B$16.348.7
2028.Q4$7.2B+6.9%24.3%19.5%$1.4B−$198MM$1.2B6.8%$1.0B0.0%−$8.9B$17.468.2
2029.Q4$7.6B+5.0%24.3%19.6%$1.5B−$158MM$1.3B7.1%$1.0B0.0%−$8.8B$18.327.8
2030.Q4$7.9B+4.6%24.3%19.7%$1.5B−$154MM$1.4B7.3%$1.0B0.0%−$8.6B$19.157.4
Term. Yr+$10.2B4.1%19.1%20.0%$1.6B−$744MM$816MM8.6%$8.9B8.6%
Active scenario IV: $413 (+189.7% vs market)