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

NYSE:CRBD - New York Stock Exchange, Inc. - US21871X2080

24.745  -0.04 (-0.18%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CRBD. CRBD was compared to 101 industry peers in the Financial Services industry. CRBD has a bad profitability rating. Also its financial health evaluation is rather negative. CRBD is valued quite cheap, while showing a decent growth score. This is a good 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.
In the past 5 years CRBD always reported a positive cash flow from operatings.
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 0 2B 4B 6B 8B 10B

1.2 Ratios

The Return On Assets of CRBD (-0.31%) is worse than 76.24% of its industry peers.
CRBD has a worse Return On Equity (-9.19%) than 77.23% of its industry peers.
Industry RankSector Rank
ROA -0.31%
ROE -9.19%
ROIC N/A
ROA(3y)1.44%
ROA(5y)0.9%
ROE(3y)41.14%
ROE(5y)25.06%
ROIC(3y)N/A
ROIC(5y)N/A
CRBD Yearly ROA, ROE, ROICCRBD Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 20 40 60 80

1.3 Margins

CRBD's Profit Margin has improved in the last couple of years.
In the last couple of years the Operating Margin of CRBD has grown nicely.
The Profit Margin and Operating Margin and Gross Margin are not available for CRBD so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y-15.86%
OM growth 5Y50.59%
PM growth 3Y10.16%
PM growth 5YN/A
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 0 10 20 30 40

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2

2. Health

2.1 Basic Checks

CRBD does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CRBD has less shares outstanding
The debt/assets ratio for CRBD has been reduced compared to a year ago.
CRBD Yearly Shares OutstandingCRBD Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 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 100B 200B 300B 400B

2.2 Solvency

CRBD has a debt to FCF ratio of 8.15. This is a slightly negative value and a sign of low solvency as CRBD would need 8.15 years to pay back of all of its debts.
CRBD has a Debt to FCF ratio (8.15) which is in line with its industry peers.
CRBD has a Debt/Equity ratio of 0.88. This is a neutral value indicating CRBD is somewhat dependend on debt financing.
The Debt to Equity ratio of CRBD (0.88) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 0.88
Debt/FCF 8.15
Altman-Z N/A
ROIC/WACCN/A
WACC7.35%
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 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 2B 4B 6B 8B

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4

3. Growth

3.1 Past

CRBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.02%, which is quite good.
Measured over the past years, CRBD shows a quite strong growth in Earnings Per Share. The EPS has been growing by 19.61% on average per year.
CRBD shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -21.40%.
The Revenue has been growing slightly by 4.36% on average over the past years.
EPS 1Y (TTM)18.02%
EPS 3Y19.61%
EPS 5YN/A
EPS Q2Q%31.43%
Revenue 1Y (TTM)-21.4%
Revenue growth 3Y8.75%
Revenue growth 5Y4.36%
Sales Q2Q%-14.15%

3.2 Future

CRBD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 15.18% yearly.
The Revenue is expected to grow by 4.51% on average over the next years.
EPS Next Y20.39%
EPS Next 2Y18.06%
EPS Next 3Y17.18%
EPS Next 5Y15.18%
Revenue Next Year-1.55%
Revenue Next 2Y3.66%
Revenue Next 3Y4.06%
Revenue Next 5Y4.51%

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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CRBD Yearly Revenue VS EstimatesCRBD Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
CRBD Yearly EPS VS EstimatesCRBD Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

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7

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 5.32 indicates a rather cheap valuation of CRBD.
Based on the Price/Earnings ratio, CRBD is valued cheaper than 94.06% of the companies in the same industry.
When comparing the Price/Earnings ratio of CRBD to the average of the S&P500 Index (28.29), we can say CRBD is valued rather cheaply.
CRBD is valuated cheaply with a Price/Forward Earnings ratio of 4.33.
CRBD's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRBD is cheaper than 98.02% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.44. CRBD is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 5.32
Fwd PE 4.33
CRBD Price Earnings VS Forward Price EarningsCRBD Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CRBD indicates a somewhat cheap valuation: CRBD is cheaper than 76.24% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.6
EV/EBITDA N/A
CRBD Per share dataCRBD EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

CRBD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
CRBD's earnings are expected to grow with 17.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.26
PEG (5Y)N/A
EPS Next 2Y18.06%
EPS Next 3Y17.18%

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3

5. Dividend

5.1 Amount

CRBD has a Yearly Dividend Yield of 2.90%. Purely for dividend investing, there may be better candidates out there.
CRBD's Dividend Yield is rather good when compared to the industry average which is at 3.66. CRBD pays more dividend than 81.19% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, CRBD pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.9%

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 YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

CRBD has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-103.28%
EPS Next 2Y18.06%
EPS Next 3Y17.18%
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 0 2B 4B 6B 8B

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

NYSE:CRBD (1/22/2025, 11:56:18 AM)

24.745

-0.04 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2024-11-04/amc
Earnings (Next)02-14 2025-02-14/amc
Inst Owners101.26%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap17.09B
Analysts77.14
Price TargetN/A
Short Float %N/A
Short Ratio0.03
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend2.72
Dividend Growth(5Y)N/A
DP-103.28%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.56%
Min EPS beat(2)1.25%
Max EPS beat(2)15.87%
EPS beat(4)4
Avg EPS beat(4)5.96%
Min EPS beat(4)1.25%
Max EPS beat(4)15.87%
EPS beat(8)7
Avg EPS beat(8)8.55%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-25.28%
Min Revenue beat(2)-28.97%
Max Revenue beat(2)-21.6%
Revenue beat(4)1
Avg Revenue beat(4)-23.33%
Min Revenue beat(4)-43.91%
Max Revenue beat(4)1.15%
Revenue beat(8)3
Avg Revenue beat(8)-12.6%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 5.32
Fwd PE 4.33
P/S 1.17
P/FCF 11.6
P/OCF 11.6
P/B 1.26
P/tB 1.26
EV/EBITDA N/A
EPS(TTM)4.65
EY18.79%
EPS(NY)5.71
Fwd EY23.09%
FCF(TTM)2.13
FCFY8.62%
OCF(TTM)2.13
OCFY8.62%
SpS21.11
BVpS19.7
TBVpS19.7
PEG (NY)0.26
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.31%
ROE -9.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 10.11%
ROA(3y)1.44%
ROA(5y)0.9%
ROE(3y)41.14%
ROE(5y)25.06%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)1.74%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-15.86%
OM growth 5Y50.59%
PM growth 3Y10.16%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.88
Debt/FCF 8.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.35%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)123.45%
Profit Quality(5y)1155.71%
High Growth Momentum
Growth
EPS 1Y (TTM)18.02%
EPS 3Y19.61%
EPS 5YN/A
EPS Q2Q%31.43%
EPS Next Y20.39%
EPS Next 2Y18.06%
EPS Next 3Y17.18%
EPS Next 5Y15.18%
Revenue 1Y (TTM)-21.4%
Revenue growth 3Y8.75%
Revenue growth 5Y4.36%
Sales Q2Q%-14.15%
Revenue Next Year-1.55%
Revenue Next 2Y3.66%
Revenue Next 3Y4.06%
Revenue Next 5Y4.51%
EBIT growth 1Y-157.65%
EBIT growth 3Y-8.5%
EBIT growth 5Y57.15%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.11%
FCF growth 3Y0.27%
FCF growth 5Y0.89%
OCF growth 1Y-51.11%
OCF growth 3Y0.27%
OCF growth 5Y0.89%