COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64 (CRBD) Stock Fundamental Analysis
NYSE:CRBD - New York Stock Exchange, Inc. - US21871X2080 - Currency: USD
Overall CRBD gets a fundamental rating of 4 out of 10. We evaluated CRBD against 100 industry peers in the Financial Services industry. CRBD may be in some trouble as it scores bad on both profitability and health. CRBD may be a bit undervalued, certainly considering the very reasonable score on growth
1. Profitability
1.1 Basic Checks
In the past year CRBD was profitable.
In the past year CRBD had a positive cash flow from operations.
CRBD had positive earnings in each of the past 5 years.
Each year in the past 5 years CRBD had a positive operating cash flow.
1.2 Ratios
CRBD's Return On Assets of 0.18% is on the low side compared to the rest of the industry. CRBD is outperformed by 70.00% of its industry peers.
The Return On Equity of CRBD (5.74%) is worse than 61.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.43%, CRBD is doing worse than 68.00% of the companies in the same industry.
CRBD had an Average Return On Invested Capital over the past 3 years of 1.08%. This is significantly below the industry average of 11.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 5.74% | ||
| ROIC | 0.43% |
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
ROIC(3y)1.08%
ROIC(5y)0.99%
1.3 Margins
CRBD has a Profit Margin of 4.41%. This is in the lower half of the industry: CRBD underperforms 62.00% of its industry peers.
CRBD's Profit Margin has improved in the last couple of years.
CRBD has a Operating Margin (13.53%) which is in line with its industry peers.
CRBD's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.53% | ||
| PM (TTM) | 4.41% | ||
| 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
2. Health
2.1 Basic Checks
CRBD has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CRBD has less shares outstanding
CRBD has less shares outstanding than it did 5 years ago.
CRBD has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CRBD is 6.39, which is on the high side as it means it would take CRBD, 6.39 years of fcf income to pay off all of its debts.
CRBD has a Debt to FCF ratio (6.39) which is in line with its industry peers.
A Debt/Equity ratio of 1.03 is on the high side and indicates that CRBD has dependencies on debt financing.
CRBD has a Debt to Equity ratio of 1.03. This is comparable to the rest of the industry: CRBD outperforms 46.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | 6.39 | ||
| Altman-Z | N/A |
ROIC/WACC0.06
WACC7.46%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CRBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.84%, which is quite good.
The Earnings Per Share has been growing by 115.54% on average over the past years. This is a very strong growth
Looking at the last year, CRBD shows a very negative growth in Revenue. The Revenue has decreased by -20.43% in the last year.
CRBD shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
EPS 1Y (TTM)15.84%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%5.45%
Revenue 1Y (TTM)-20.43%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-15.62%
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 11.37% on average per year.
CRBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.76% yearly.
EPS Next Y5.05%
EPS Next 2Y9.82%
EPS Next 3Y10.79%
EPS Next 5Y11.37%
Revenue Next Year-1.65%
Revenue Next 2Y2.9%
Revenue Next 3Y2.66%
Revenue Next 5Y2.76%
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 decreasing.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 4.73, the valuation of CRBD can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CRBD indicates a rather cheap valuation: CRBD is cheaper than 93.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CRBD to the average of the S&P500 Index (27.45), we can say CRBD is valued rather cheaply.
CRBD is valuated cheaply with a Price/Forward Earnings ratio of 3.97.
Compared to the rest of the industry, the Price/Forward Earnings ratio of CRBD indicates a rather cheap valuation: CRBD is cheaper than 95.00% of the companies listed in the same industry.
CRBD is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.90, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.73 | ||
| Fwd PE | 3.97 |
4.2 Price Multiples
CRBD's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CRBD is cheaper than 69.00% of the companies in the same industry.
CRBD's Price/Free Cash Flow ratio is rather cheap when compared to the industry. CRBD is cheaper than 92.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.62 | ||
| EV/EBITDA | 10.12 |
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.
PEG (NY)0.94
PEG (5Y)0.04
EPS Next 2Y9.82%
EPS Next 3Y10.79%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.74%, CRBD has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.97, CRBD pays a bit more dividend than its industry peers.
CRBD's Dividend Yield is comparable with the S&P500 average which is at 2.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
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
77.62% of the earnings are spent on dividend by CRBD. This is not a sustainable payout ratio.
DP77.62%
EPS Next 2Y9.82%
EPS Next 3Y10.79%
COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64
NYSE:CRBD (7/3/2025, 7:13:57 PM)
After market: 23.36 +0.16 (+0.69%)23.2
-0.3 (-1.28%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.71%
Inst Owner ChangeN/A
Ins Owners0.34%
Ins Owner ChangeN/A
Market Cap12.77B
Analysts78.1
Price Target25.77 (11.08%)
Short Float %0%
Short Ratio0.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP77.62%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.1%
Min EPS beat(2)-0.44%
Max EPS beat(2)0.65%
EPS beat(4)3
Avg EPS beat(4)4.33%
Min EPS beat(4)-0.44%
Max EPS beat(4)15.87%
EPS beat(8)6
Avg EPS beat(8)4.1%
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)-13.39%
Min Revenue beat(2)-14.87%
Max Revenue beat(2)-11.92%
Revenue beat(4)0
Avg Revenue beat(4)-19.34%
Min Revenue beat(4)-28.97%
Max Revenue beat(4)-11.92%
Revenue beat(8)3
Avg Revenue beat(8)-10.31%
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)-7.71%
PT rev (3m)-9.98%
EPS NQ rev (1m)-0.45%
EPS NQ rev (3m)-8.29%
EPS NY rev (1m)0.03%
EPS NY rev (3m)-7.52%
Revenue NQ rev (1m)-0.59%
Revenue NQ rev (3m)-5.68%
Revenue NY rev (1m)-2.68%
Revenue NY rev (3m)-8.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.73 | ||
| Fwd PE | 3.97 | ||
| P/S | 0.82 | ||
| P/FCF | 6.62 | ||
| P/OCF | 6.62 | ||
| P/B | 1.07 | ||
| P/tB | 1.07 | ||
| EV/EBITDA | 10.12 |
EPS(TTM)4.9
EY21.12%
EPS(NY)5.84
Fwd EY25.16%
FCF(TTM)3.5
FCFY15.1%
OCF(TTM)3.5
OCFY15.1%
SpS28.38
BVpS21.77
TBVpS21.77
PEG (NY)0.94
PEG (5Y)0.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 5.74% | ||
| ROCE | 0.54% | ||
| ROIC | 0.43% | ||
| ROICexc | 0.43% | ||
| ROICexgc | 0.62% | ||
| OM | 13.53% | ||
| PM (TTM) | 4.41% | ||
| GM | N/A | ||
| FCFM | 12.35% |
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-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | 6.39 | ||
| Debt/EBITDA | 5.28 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.59 | ||
| Cash Conversion | 82.71% | ||
| Profit Quality | 280.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC7.46%
ROIC/WACC0.06
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)15.84%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%5.45%
EPS Next Y5.05%
EPS Next 2Y9.82%
EPS Next 3Y10.79%
EPS Next 5Y11.37%
Revenue 1Y (TTM)-20.43%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-15.62%
Revenue Next Year-1.65%
Revenue Next 2Y2.9%
Revenue Next 3Y2.66%
Revenue Next 5Y2.76%
EBIT growth 1Y1.49%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.71%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-35.71%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%