Compare Stocks › GL vs NOW
Globe Life Inc. (GL) vs ServiceNow, Inc. (NOW)
GL
Globe Life Inc.
$137.71
VS
NOW
ServiceNow, Inc.
$113.27
Rewards
GL
- ★Share count has been reduced by 18% over the past 4 years through buybacks, increasing each share's claim on earnings.
- ★FCF yield of 10.4% is historically attractive — the business generates significant cash relative to its price.
NOW
- ★Gross margin of 77.5% indicates strong pricing power — typical of businesses with significant intellectual property or brand strength.
- ★Free cash flow has grown at a 27.8% CAGR over the past 4 years, demonstrating strong earnings power growth.
- ★Each dollar of retained earnings has created $16.65 of market value — management is an exceptional capital allocator.
Risks
GL
- ⚠Altman Z-Score of 0.85 places the company in the distress zone — financial patterns resemble those of companies that experienced bankruptcy.
- ⚠8 insider sales totaling $13.7M with no purchases in the past 3 months — insiders are reducing their exposure.
NOW
- ⚠Despite buyback spending, shares outstanding increased in 3 out of 3 years — stock-based compensation is offsetting repurchases.
- ⚠PEG ratio of 19.95 indicates the stock is expensive relative to its expected growth — the market may be pricing in more growth than analysts project.
Key Valuation Metrics
Learn more →GL
NOW
Valuation
$1.14B
Free Cash Flow
$4.95B
10.37%
FCF Yield
4.14%
9.79
Trailing P/E
67.83
8.33
Forward P/E
22.56
Quality & Moat
12.70%
ROIC
11.27%
19.44%
ROE
13.48%
33.81%
Gross Margin
77.53%
1.03
PEG Ratio
19.95
Balance Sheet Safety
0.51
Debt / Equity
0.19
N/A
Interest Coverage
N/A
1.60
Net Debt / EBITDA
-1.42
0.96%
Dividend Yield
N/A
GL: 6Ties: 1NOW: 4
GLNOW
Historical Fundamentals
Learn more →GL
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
NOW
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
Price ÷ Earnings Per Share — how many years of current earnings you're paying for at today's price. Lower P/E may indicate undervaluation.
$1 Retained Earnings Test
Learn more →GL
$-0.20
created per $1 retained over 3 years
Market Cap Declined
Σ Retained
$2.95B
Δ Market Cap
$-600.0M
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
NOW
$16.65
created per $1 retained over 3 years
Exceptional Value Creator
Σ Retained
$4.90B
Δ Market Cap
+$81.66B
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Buffett's "$1 Test": For every $1 of earnings retained, has management created at least $1 of market value?
> $1 created per $1 retained = Value Creator · < $1 created = Value Destroyer
Discounted Cash Flow (DCF) Analysis
Learn more →GL
49.5% Margin of Safety
Price is 49.5% below estimated fair value
Current Price: $137.71
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $272.46
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
NOW
45.8% Overvalued
Price is 45.8% above estimated fair value
Current Price: $113.27
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Fair Value: $77.67
Strongly undervalued
Undervalued
Fairly valued
Overvalued
Strongly overvalued
Reverse DCF — Market-Implied Growth
Learn more →GL
What growth rate is the market pricing in at $138?
+0.6%
Market-Implied FCF Growth Rate
Market roughly matching historical growth — reasonable.
NOW
What growth rate is the market pricing in at $113?
+24.1%
Market-Implied Owner Earnings Growth
Standard FCF implies +9.8%
The market implies +24.1% Owner Earnings growth, below historical trends — potential opportunity.
Standard FCF implies a more demanding +9.8%, reflecting heavy growth investment expected to generate future returns.
Economic Moat Score
Learn more →GL
39/100
No Moat
70+ Wide · 40-69 Narrow · <40 None
No durable moat detected, though revenue predictability shows some competitive positioning. The business lacks consistent evidence of sustainable advantages.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 4 years of fundamental data.
NOW
61/100
Narrow Moat
70+ Wide · 40-69 Narrow · <40 None
Narrow moat with revenue predictability as the key competitive advantage. Improving roic consistency would strengthen the moat.
Composite score measuring competitive advantage durability across four dimensions: returns above cost of capital, pricing power stability, revenue predictability, and capital efficiency. Based on 5 years of fundamental data.
Forensic Accounting
Learn more →GL
-2.46
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
NOW
-2.87
Unlikely Manipulator
Above -1.78 = likely manipulator · -2.22 to -1.78 = grey zone
M-Score Trend
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Beneish's 8-variable model estimates the probability of earnings manipulation. An M-Score above -1.78 signals elevated risk — companies in this range have historically been 3-5× more likely to be manipulating earnings. Scores between -2.22 and -1.78 fall in a grey zone warranting further investigation.
Ownership Breakdown
Learn more →GL
Insiders 0.7%Institutions 85.6%Retail & Other 13.7%
No. of Institutional Holders937
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
NOW
Insiders 0.2%Institutions 90.0%Retail & Other 9.8%
No. of Institutional Holders3,199
High insider ownership aligns management incentives with shareholders — a key signal in Buffett-style analysis. Institutional concentration can indicate smart-money conviction but also crowding risk.
High insider ownership aligns management incentives with shareholders. Institutional concentration can indicate smart-money conviction but also crowding risk.
Insider Buying Activity
Learn more →GL
0
Buys (3M)
0
Buys (12M)
THIGPEN MARY E
Director
$270,600
@ $90.20 · 2024-07-26
HENSLEY ROBERT EDWARD
Chief Investment Officer
$205,421
@ $82.17 · 2024-05-28
SVOBODA FRANK M
Chief Executive Officer
$205,684
@ $82.27 · 2024-05-21
DARDEN JAMES MATTHEW
Chief Executive Officer
$82,775
@ $82.78 · 2024-05-21
SVOBODA FRANK M
Chief Executive Officer
$215,764
@ $86.31 · 2024-05-20
KALMBACH THOMAS PETER
Chief Financial Officer
$42,214
@ $84.43 · 2024-05-17
DARDEN JAMES MATTHEW
Chief Executive Officer
$169,646
@ $84.82 · 2024-05-16
BLINN MARK A
Director
$153,540
@ $76.77 · 2024-04-25
BLINN MARK A
Director
$153,540
@ $76.77 · 2024-04-25
RODRIGUEZ DAVID A.
Director
$119,585
@ $79.72 · 2024-04-24
JOHNSON STEVEN PAUL
Director
$100,800
@ $76.42 · 2024-04-24
BRANNEN JAMES PATRICK
Director
$156,940
@ $78.47 · 2024-04-24
Open market purchases · includes direct & indirect ownership · excludes option exercises
NOW
1
Buys (3M)
1
Buys (12M)
Total value (12M): $3.00M
MCDERMOTT WILLIAM R
Chief Executive Officer
$3.00M
@ $104.60 · 2026-02-27
Open market purchases · includes direct & indirect ownership · excludes option exercises
Open market purchases · includes direct & indirect ownership · excludes option exercises.
Insider Selling Activity
Learn more →GL
8
Sells (3M)
23
Sells (12M)
Total value (12M): $48.11M
DARDEN JAMES MATTHEW
Chief Executive Officer
$2.66M
@ $145.10 · 2026-03-04
HENSLEY ROBERT EDWARD
Chief Investment Officer
$372,620
@ $145.04 · 2026-03-02
DARDEN JAMES MATTHEW
Chief Executive Officer
$1.38M
@ $144.34 · 2026-02-27
HAWORTH JENNIFER ALLISON
Officer
$1.53M
@ $145.29 · 2026-02-27
HENSLEY ROBERT EDWARD
Chief Investment Officer
$101,524
@ $142.59 · 2026-02-25
SVOBODA FRANK M
Chief Executive Officer
$1.81M
@ $144.78 · 2026-02-17
HAWORTH JENNIFER ALLISON
Officer
$1.43M
@ $143.14 · 2026-02-12
MAJORS MICHAEL CLAY
Officer
$4.41M
@ $146.89 · 2026-02-06
SVOBODA FRANK M
Chief Executive Officer
$1.32M
@ $140.43 · 2025-12-16
HENRIE MICHAEL SHANE
Officer
$426,341
@ $139.10 · 2025-12-12
MITCHELL ROBERT BRIAN
General Counsel
$12.22M
@ $134.28 · 2025-10-24
SKARJUNE DOLORES L
Officer
$641,340
@ $142.52 · 2025-09-12
SKARJUNE DOLORES L
Officer
$695,537
@ $139.83 · 2025-09-10
MAJORS MICHAEL CLAY
Officer
$1.37M
@ $137.41 · 2025-08-01
SVOBODA FRANK M
Chief Executive Officer
$3.54M
@ $141.58 · 2025-07-31
KALMBACH THOMAS PETER
Chief Financial Officer
$4.08M
@ $140.97 · 2025-07-29
HENRIE MICHAEL SHANE
Officer
$454,196
@ $139.75 · 2025-07-29
HENRIE MICHAEL SHANE
Officer
$454,196
@ $139.75 · 2025-07-29
DARDEN JAMES MATTHEW
Chief Executive Officer
$4.51M
@ $135.59 · 2025-07-25
ZORN REBECCA E
Officer
$2.03M
@ $135.58 · 2025-07-25
SVOBODA FRANK M
Chief Executive Officer
$733,617
@ $121.24 · 2025-06-04
SVOBODA FRANK M
Chief Executive Officer
$737,385
@ $122.51 · 2025-05-20
ZORN REBECCA E
Officer
$1.21M
@ $121.09 · 2025-05-12
HENRIE MICHAEL SHANE
Officer
$347,641
@ $126.41 · 2025-03-19
HENSLEY ROBERT EDWARD
Chief Technology Officer
$200,952
@ $124.81 · 2025-03-04
SVOBODA FRANK M
Chief Executive Officer
$2.66M
@ $122.42 · 2025-02-14
DARDEN JAMES MATTHEW
Chief Executive Officer
$3.02M
@ $121.52 · 2025-02-11
SVOBODA FRANK M
Chief Executive Officer
$1.34M
@ $121.44 · 2025-02-11
MITCHELL ROBERT BRIAN
General Counsel
$3.66M
@ $121.90 · 2025-02-07
HENRIE MICHAEL SHANE
Officer
$1.30M
@ $122.31 · 2025-02-07
HENRIE MICHAEL SHANE
Officer
$1.30M
@ $122.31 · 2025-02-07
HAWORTH JENNIFER ALLISON
Officer
$1.02M
@ $112.91 · 2025-01-06
HAWORTH JENNIFER ALLISON
Officer
$1.02M
@ $112.92 · 2025-01-06
BLINN MARK A
Director
$339,705
@ $113.23 · 2025-01-06
SVOBODA FRANK M
Chief Executive Officer
$1.51M
@ $112.56 · 2025-01-06
HENRIE MICHAEL SHANE
Officer
$168,487
@ $112.32 · 2025-01-06
SVOBODA FRANK M
Chief Executive Officer
$1.56M
@ $108.80 · 2024-12-03
MITCHELL ROBERT BRIAN
General Counsel
$878,755
@ $109.84 · 2024-11-07
ZORN REBECCA E
Officer
$179,336
@ $77.30 · 2024-04-25
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
NOW
4
Sells (3M)
48
Sells (12M)
Total value (12M): $27.80M
FIPPS PAUL
Officer
$376,142
@ $101.77 · 2026-02-23
FIPPS PAUL
Officer
$1.02M
@ $105.93 · 2026-02-18
MCBRIDE KEVIN THOMAS
Officer
$147,994
@ $105.71 · 2026-02-13
CHAMBERLAIN PAUL EDWARD
Director
$151,755
@ $101.17 · 2026-02-12
MASTANTUONO GINA
President
$352,750
@ $850.00 · 2025-12-05
MASTANTUONO GINA
President
$336,936
@ $808.00 · 2025-11-28
JACKSON LAWRENCE
Director
$214,708
@ $810.22 · 2025-11-28
CHAMBERLAIN PAUL EDWARD
Director
$242,400
@ $808.00 · 2025-11-28
CANNEY JACQUELINE P
Officer
$200,549
@ $839.12 · 2025-11-18
FIPPS PAUL
Officer
$249,353
@ $817.55 · 2025-11-18
TZITZON NICHOLAS
Officer
$431,736
@ $827.08 · 2025-11-18
ELMER RUSSELL S.
General Counsel
$160,155
@ $838.51 · 2025-11-18
MCBRIDE KEVIN THOMAS
Officer
$235,894
@ $842.48 · 2025-11-14
CANNEY JACQUELINE P
Officer
$56,257
@ $852.38 · 2025-11-13
ELMER RUSSELL S.
General Counsel
$52,848
@ $852.39 · 2025-11-13
CANNEY JACQUELINE P
Officer
$222,012
@ $863.86 · 2025-11-10
ELMER RUSSELL S.
General Counsel
$164,997
@ $863.86 · 2025-11-10
SANDS ANITA M
Director
$1.00M
@ $915.11 · 2025-08-29
MCDERMOTT WILLIAM R
Chief Executive Officer
$5.34M
@ $916.63 · 2025-08-28
FIPPS PAUL
Officer
$1.30M
@ $895.32 · 2025-08-20
ELMER RUSSELL S.
General Counsel
$1.50M
@ $884.26 · 2025-08-20
MCDERMOTT WILLIAM R
Chief Executive Officer
$1.43M
@ $900.00 · 2025-08-19
CANNEY JACQUELINE P
Officer
$1.35M
@ $866.45 · 2025-08-18
MASTANTUONO GINA
President
$1.53M
@ $866.45 · 2025-08-18
TZITZON NICHOLAS
Officer
$1.49M
@ $866.45 · 2025-08-18
MCBRIDE KEVIN THOMAS
Officer
$238,496
@ $851.77 · 2025-08-15
CHAMBERLAIN PAUL EDWARD
Director
$258,000
@ $860.00 · 2025-08-14
CANNEY JACQUELINE P
Officer
$57,658
@ $860.57 · 2025-08-13
MASTANTUONO GINA
President
$72,288
@ $860.57 · 2025-08-13
CANNEY JACQUELINE P
Officer
$225,746
@ $878.39 · 2025-08-08
MASTANTUONO GINA
President
$256,490
@ $878.39 · 2025-08-08
JACKSON LAWRENCE
Director
$749,805
@ $990.50 · 2025-07-29
CANNEY JACQUELINE P
Officer
$341,631
@ $965.06 · 2025-07-16
SANDS ANITA M
Director
$250,950
@ $1050.00 · 2025-07-03
MCBRIDE KEVIN THOMAS
Officer
$283,310
@ $1011.82 · 2025-06-03
SANDS ANITA M
Director
$250,267
@ $1009.14 · 2025-06-02
CANNEY JACQUELINE P
Officer
$147,900
@ $1020.00 · 2025-05-30
TZITZON NICHOLAS
Officer
$1.19M
@ $1020.00 · 2025-05-30
MCDERMOTT WILLIAM R
Chief Executive Officer
$2.07M
@ $1012.01 · 2025-05-30
SANDS ANITA M
Director
$433,825
@ $1013.61 · 2025-05-27
BRIGGS TERESA
Director
$216,913
@ $1013.61 · 2025-05-27
LUDDY FREDERIC B
Director
$428,000
@ $1000.00 · 2025-05-23
MASTANTUONO GINA
President
$121,570
@ $1030.25 · 2025-05-19
CANNEY JACQUELINE P
Officer
$96,844
@ $1030.26 · 2025-05-19
ELMER RUSSELL S.
General Counsel
$83,450
@ $1030.25 · 2025-05-19
CHAMBERLAIN PAUL EDWARD
Director
$310,326
@ $1034.42 · 2025-05-15
MASTANTUONO GINA
President
$85,932
@ $1023.00 · 2025-05-13
CANNEY JACQUELINE P
Officer
$67,518
@ $1023.00 · 2025-05-13
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives
Direct ownership only · excludes indirect, option exercises, planned (10b5-1) sales & derivatives.
🎭 Mr. Market's Mood
Learn more →GL
😐Neutral(53/100)
"Market is pricing this stock without strong emotion in either direction"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
NOW
😨Fear(38/100)
"Market is pessimistic — investigate whether fears are temporary or structural"
Composite sentiment score based on 6 market signals. Inspired by Buffett's "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
Composite sentiment score based on market signals. Inspired by Buffett’s "Mr. Market" allegory — fear = potential opportunity, greed = potential risk. Must be used alongside fundamental analysis, not in isolation.
⚖️ Buffett Signal
Learn more →GL
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Neutral (53)
NOW
⚪Awaiting DCF Data
The Buffett Signal cross-references market sentiment with DCF valuation. Configure the DCF Analysis above to generate a signal.
DCF Margin of Safety: N/AMr. Market's Mood: Fear (38)