Profitability
Weight: 25%
B
73
Scored using loss ratio — insurer-archetype substitution.
- Loss Ratio 59.0%
- Loss Ratio Trend -0.95 pp/yr
GL
Globe Life Inc.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
A+
94
- 5yr Avg ROE 19.2%
- 5yr Share-Count CAGR -5.5%
Growth Quality
Weight: 10%
A
88
Scored using premium growth cross-checked against loss-ratio trend — insurer-archetype substitution.
- 5yr Premium CAGR 12.8%
- Loss Ratio Trend (growth quality check) -0.95 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
B-
64
Scored using reserve development and loss-ratio stability — insurer-archetype substitution.
- Reserve Development 0.0%
- Loss Ratio Stability (σ) 0.17
Balance Sheet
Weight: 25%
A-
87
Scored using premiums-to-surplus — insurer-archetype substitution.
- Premiums / Surplus 0.82x
- Interest Coverage (EBIT/Int) 11.27x
Stability
Weight: 10%
B
72
- EPS Volatility (σ/μ) 0.39
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 8
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.3 of 5 gurus held; 3 added; 2 full exits.
- Holders
- 3 -2
- Avg Δ position
- +422.1%
- New buys
- 0
- Full exits
- 2