Stock fact sheet · data as of
Life Insurance Company Of Alabama (LINS): fair value, margin of safety and Wheel Score
Ticker symbol LINS · Financial Services · Insurance - Life · United States · Value
Is LINS undervalued?
At 52.00 (close of 5 Nov 2026), LINS trades within a few percent of the GLS average fair value of 50.72 (2.5% above fair value). 7 models produced a value and they split 4 above the price to 3 below. A stock priced at fair value earns about half of the Wheel Score's Value points; the rest of the score comes from health, moat, premium and stability.
The 7 models disagree widely: GLS Growth gives 1.23 while DCF gives 112.14. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, LINS is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 61, growth score 1, out of 100).
Nine valuation models for LINS
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 112.14 | +116% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 72.94 | +40% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 79.53 | +53% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 19.72 | -62% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 1.23 | -98% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 14.71 | -72% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 54.77 | +5% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 0.0116 | -100% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
No Piotroski health score is on file for LINS (the statements it needs were not available), so the Health part of the Wheel Score counts it at half marks - 10 of 20 - rather than marking the stock down for missing data. The GLS Moat score is low at 2.5 out of 10: returns on capital, margins or the balance sheet have not shown a lasting edge yet - often a young company, a thin-margin business or one that has only recently turned profitable.
Returns on capital are moderate - ROIC 10.3%, ROE 10.3%, ROA 2.9% - with debt at 0.00 times equity and negative free cash flow.
The dividend yield is 1.92% at a payout ratio of 0%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | - / 9 | ROIC | 10.3% |
|---|---|---|---|
| GLS Moat | 2.5 / 10 | ROE | 10.3% |
| Debt / equity | 0.00 | ROA | 2.9% |
| Free-cash-flow yield | 0.0% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 15: No options
LINS has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (15 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 0k shares a day on a market cap of $8M, with a beta of 0.33 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 3% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $8M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 3% above fair value | |
| Premium | Weak | no option data | |
| Moat | Weak | moat 2.5/10 | |
| Health | Fair | no Piotroski score on file - half marks | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.33, $8M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for LINS in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Insurance - Life
The 12 companies below are the closest to Life Insurance Company Of Alabama by market cap within the Insurance - Life industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| LINSA Life Insurance Company Of Alabama | 11.70 | 33.53 | +65% | 26No options | $8M |
| SUND Sundance Strategies, Inc. | 0.2060 | - | - | 12No options | $9M |
| AAME Atlantic American Corporation | 1.19 | 13.99 | +91% | 32No options | $24M |
| UTGN UTG, Inc. | 61.28 | 118.07 | +48% | 32No options | $192M |
| PKIN Pekin Life Insurance Company | 11.75 | 5.43 | -116% | 11No options | $201M |
| CIA Citizens, Inc. | 4.13 | 5.70 | +28% | 35Weak | $209M |
| SNFCA Security National Financial Corporation | 9.44 | 144.93 | +93% | 35No options | $223M |
| KCLI Kansas City Life Insurance Company | 34.60 | 21.07 | -64% | 13No options | $335M |
| ABX Abacus Global Management, Inc. | 9.05 | 33.54 | +73% | 43Weak | $885M |
| MHNC Maiden Holdings North America, Ltd. | 10.95 | 28.51 | +62% | 28No options | $1.1B |
| BHFAP Brighthouse Financial, Inc. | 12.54 | 124.47 | +90% | 29No options | $2.1B |
| BHF Brighthouse Financial, Inc. | 42.45 | 181.74 | +77% | 39Weak | $2.4B |
⚖ Compare LINS with 7 of them All Financial Services stocks →
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Start free See the Sunday ScanQuestions about LINS
Is LINS undervalued right now?
Not meaningfully: at 52.00 the stock trades within a few percent of the GLS average fair value of 50.72 (2.5% above fair value, data as of 5 Nov 2026).
What is the Wheel Score of LINS and what does it mean?
LINS has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for LINS?
50.72 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Life Insurance Company Of Alabama report earnings next?
No upcoming earnings date is recorded for LINS in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does LINS have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on LINS, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.