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COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64 (CRBD) Stock Fundamental Analysis

USA - NYSE:CRBD - US21871X2080

24.79 USD
-0.3 (-1.2%)
Last: 9/16/2025, 7:00:00 PM
Fundamental Rating

4

CRBD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. Both the profitability and financial health of CRBD have multiple concerns. CRBD scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CRBD had positive earnings in the past year.
CRBD had a positive operating cash flow in the past year.
In the past 5 years CRBD has always been profitable.
CRBD had a positive operating cash flow in each of the past 5 years.
CRBD Yearly Net Income VS EBIT VS OCF VS FCFCRBD Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

1.2 Ratios

CRBD's Return On Assets of -0.08% is on the low side compared to the rest of the industry. CRBD is outperformed by 74.26% of its industry peers.
CRBD has a Return On Equity of -2.74%. This is in the lower half of the industry: CRBD underperforms 78.22% of its industry peers.
With a Return On Invested Capital value of 0.20%, CRBD is not doing good in the industry: 69.31% of the companies in the same industry are doing better.
The Average Return On Invested Capital over the past 3 years for CRBD is significantly below the industry average of 7.64%.
Industry RankSector Rank
ROA -0.08%
ROE -2.74%
ROIC 0.2%
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
ROIC(3y)1.08%
ROIC(5y)0.99%
CRBD Yearly ROA, ROE, ROICCRBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

CRBD's Profit Margin has improved in the last couple of years.
CRBD has a Operating Margin of 7.02%. This is in the lower half of the industry: CRBD underperforms 62.38% of its industry peers.
CRBD's Operating Margin has improved in the last couple of years.
The Profit Margin and Gross Margin are not available for CRBD so they could not be analyzed.
Industry RankSector Rank
OM 7.02%
PM (TTM) N/A
GM N/A
OM growth 3Y-19.8%
OM growth 5Y24.34%
PM growth 3Y-27.73%
PM growth 5Y97.88%
GM growth 3YN/A
GM growth 5YN/A
CRBD Yearly Profit, Operating, Gross MarginsCRBD Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

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2

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CRBD is destroying value.
Compared to 1 year ago, CRBD has less shares outstanding
The number of shares outstanding for CRBD has been reduced compared to 5 years ago.
The debt/assets ratio for CRBD is higher compared to a year ago.
CRBD Yearly Shares OutstandingCRBD Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 200M 400M 600M
CRBD Yearly Total Debt VS Total AssetsCRBD Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

CRBD has a debt to FCF ratio of 6.76. This is a slightly negative value and a sign of low solvency as CRBD would need 6.76 years to pay back of all of its debts.
CRBD has a better Debt to FCF ratio (6.76) than 61.39% of its industry peers.
CRBD has a Debt/Equity ratio of 0.92. This is a neutral value indicating CRBD is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.92, CRBD is in line with its industry, outperforming 47.52% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 6.76
Altman-Z N/A
ROIC/WACC0.03
WACC7.32%
CRBD Yearly LT Debt VS Equity VS FCFCRBD Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRBD Yearly Current Assets VS Current LiabilitesCRBD Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2B 4B 6B 8B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.75% over the past year.
CRBD shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 115.54% yearly.
The Revenue for CRBD has decreased by -16.47% in the past year. This is quite bad
Measured over the past years, CRBD shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)18.75%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%20.35%
Revenue 1Y (TTM)-16.47%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%5.84%

3.2 Future

Based on estimates for the next years, CRBD will show a quite strong growth in Earnings Per Share. The EPS will grow by 10.21% on average per year.
CRBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.39% yearly.
EPS Next Y4.1%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
EPS Next 5Y10.21%
Revenue Next Year-7.49%
Revenue Next 2Y-1.64%
Revenue Next 3Y-0.45%
Revenue Next 5Y3.39%

3.3 Evolution

The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CRBD Yearly Revenue VS EstimatesCRBD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
CRBD Yearly EPS VS EstimatesCRBD Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2 4 6

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7

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 4.83, the valuation of CRBD can be described as very cheap.
Based on the Price/Earnings ratio, CRBD is valued cheaper than 96.04% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.20. CRBD is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 4.33, which indicates a rather cheap valuation of CRBD.
Based on the Price/Forward Earnings ratio, CRBD is valued cheaper than 95.05% of the companies in the same industry.
CRBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.71.
Industry RankSector Rank
PE 4.83
Fwd PE 4.33
CRBD Price Earnings VS Forward Price EarningsCRBD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

The rest of the industry has a similar Enterprise Value to EBITDA ratio as CRBD.
81.19% of the companies in the same industry are more expensive than CRBD, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.96
EV/EBITDA 18.69
CRBD Per share dataCRBD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

CRBD's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.18
PEG (5Y)0.04
EPS Next 2Y8.75%
EPS Next 3Y11.33%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.83%, CRBD has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.86, CRBD pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.38, CRBD has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.83%

5.2 History

CRBD is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

The earnings of CRBD are negative and hence is the payout ratio. CRBD will probably not be able to sustain this dividend level.
DP-156.08%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
CRBD Yearly Income VS Free CF VS DividendCRBD Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B

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COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64

NYSE:CRBD (9/16/2025, 7:00:00 PM)

24.79

-0.3 (-1.2%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-04 2025-08-04/amc
Earnings (Next)11-03 2025-11-03/bmo
Inst Owners92.72%
Inst Owner ChangeN/A
Ins Owners0.34%
Ins Owner ChangeN/A
Market Cap13.35B
Analysts79.05
Price Target31.29 (26.22%)
Short Float %0.01%
Short Ratio0.52
Dividend
Industry RankSector Rank
Dividend Yield 2.83%
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP-156.08%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.55%
Min EPS beat(2)-0.44%
Max EPS beat(2)15.55%
EPS beat(4)3
Avg EPS beat(4)7.91%
Min EPS beat(4)-0.44%
Max EPS beat(4)15.87%
EPS beat(8)6
Avg EPS beat(8)4.91%
EPS beat(12)10
Avg EPS beat(12)8.09%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-11.67%
Min Revenue beat(2)-11.92%
Max Revenue beat(2)-11.42%
Revenue beat(4)0
Avg Revenue beat(4)-14.95%
Min Revenue beat(4)-21.6%
Max Revenue beat(4)-11.42%
Revenue beat(8)2
Avg Revenue beat(8)-15.15%
Revenue beat(12)4
Avg Revenue beat(12)-7.57%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)7.35%
PT rev (3m)22.34%
EPS NQ rev (1m)-3.78%
EPS NQ rev (3m)-12.3%
EPS NY rev (1m)1.75%
EPS NY rev (3m)-0.88%
Revenue NQ rev (1m)2.32%
Revenue NQ rev (3m)-10.37%
Revenue NY rev (1m)-4.62%
Revenue NY rev (3m)-5.94%
Valuation
Industry RankSector Rank
PE 4.83
Fwd PE 4.33
P/S 0.91
P/FCF 7.96
P/OCF 7.96
P/B 1.09
P/tB 1.09
EV/EBITDA 18.69
EPS(TTM)5.13
EY20.69%
EPS(NY)5.72
Fwd EY23.09%
FCF(TTM)3.12
FCFY12.57%
OCF(TTM)3.12
OCFY12.57%
SpS27.22
BVpS22.85
TBVpS22.85
PEG (NY)1.18
PEG (5Y)0.04
Profitability
Industry RankSector Rank
ROA -0.08%
ROE -2.74%
ROCE 0.26%
ROIC 0.2%
ROICexc 0.2%
ROICexgc 0.3%
OM 7.02%
PM (TTM) N/A
GM N/A
FCFM 11.45%
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
ROIC(3y)1.08%
ROIC(5y)0.99%
ROICexc(3y)1.09%
ROICexc(5y)0.99%
ROICexgc(3y)1.62%
ROICexgc(5y)1.5%
ROCE(3y)1.38%
ROCE(5y)1.27%
ROICexcg growth 3Y-24.91%
ROICexcg growth 5YN/A
ROICexc growth 3Y-23.75%
ROICexc growth 5YN/A
OM growth 3Y-19.8%
OM growth 5Y24.34%
PM growth 3Y-27.73%
PM growth 5Y97.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 6.76
Debt/EBITDA 8.67
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 1.78
Cash Conversion 128.19%
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.32%
ROIC/WACC0.03
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)144.44%
Profit Quality(5y)197%
High Growth Momentum
Growth
EPS 1Y (TTM)18.75%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%20.35%
EPS Next Y4.1%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
EPS Next 5Y10.21%
Revenue 1Y (TTM)-16.47%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%5.84%
Revenue Next Year-7.49%
Revenue Next 2Y-1.64%
Revenue Next 3Y-0.45%
Revenue Next 5Y3.39%
EBIT growth 1Y-41.6%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next Year-7.21%
EBIT Next 3Y0.32%
EBIT Next 5YN/A
FCF growth 1Y-55.04%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-55.04%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%