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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 - Currency: USD

25.13  0 (0%)

After market: 25.15 +0.02 (+0.08%)

Fundamental Rating

5

Taking everything into account, CRBD scores 5 out of 10 in our fundamental rating. CRBD was compared to 101 industry peers in the Financial Services industry. CRBD has a medium profitability rating, but doesn't score so well on its financial health evaluation. 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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5

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.
Each year in the past 5 years CRBD has been profitable.
Each year in the past 5 years CRBD had a positive operating cash flow.
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

With a Return On Assets value of 0.57%, CRBD is not doing good in the industry: 64.36% of the companies in the same industry are doing better.
With an excellent Return On Equity value of 19.46%, CRBD belongs to the best of the industry, outperforming 83.17% of the companies in the same industry.
The Return On Invested Capital of CRBD (0.64%) is worse than 62.38% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CRBD is significantly below the industry average of 7.75%.
Industry RankSector Rank
ROA 0.57%
ROE 19.46%
ROIC 0.64%
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 of 12.50% is in line compared to the rest of the industry. CRBD outperforms 56.44% of its industry peers.
CRBD's Profit Margin has improved in the last couple of years.
CRBD has a better Operating Margin (17.77%) than 61.39% of its industry peers.
CRBD's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 17.77%
PM (TTM) 12.5%
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

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
Compared to 5 years ago, CRBD has less shares outstanding
CRBD has a worse debt/assets ratio than last year.
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 5.76. This is a neutral value as CRBD would need 5.76 years to pay back of all of its debts.
CRBD has a Debt to FCF ratio of 5.76. This is in the better half of the industry: CRBD outperforms 62.38% of its industry peers.
CRBD has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.08, CRBD is in line with its industry, outperforming 41.58% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 5.76
Altman-Z N/A
ROIC/WACC0.06
WACC10.86%
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

CRBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.05%, which is quite good.
Measured over the past years, CRBD shows a very strong growth in Earnings Per Share. The EPS has been growing by 115.54% on average per year.
Looking at the last year, CRBD shows a decrease in Revenue. The Revenue has decreased by -1.13% in the last year.
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)18.05%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%18.27%
Revenue 1Y (TTM)-1.13%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%59.59%

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 14.21% on average per year.
CRBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.54% yearly.
EPS Next Y13.59%
EPS Next 2Y14.4%
EPS Next 3Y14.21%
EPS Next 5YN/A
Revenue Next Year8.29%
Revenue Next 2Y6.82%
Revenue Next 3Y6.54%
Revenue Next 5YN/A

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 stable: in the next years the growth will be about the same 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 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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9

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 5.19, 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 93.07% of the companies listed in the same industry.
CRBD's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.63.
The Price/Forward Earnings ratio is 4.57, which indicates a rather cheap valuation of CRBD.
CRBD's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRBD is cheaper than 95.05% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CRBD to the average of the S&P500 Index (22.68), we can say CRBD is valued rather cheaply.
Industry RankSector Rank
PE 5.19
Fwd PE 4.57
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

Based on the Enterprise Value to EBITDA ratio, CRBD is valued cheaper than 84.16% 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 84.16% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.07
EV/EBITDA 8.28
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as CRBD's earnings are expected to grow with 14.21% in the coming years.
PEG (NY)0.38
PEG (5Y)0.04
EPS Next 2Y14.4%
EPS Next 3Y14.21%

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4

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.87%, CRBD has a reasonable but not impressive dividend return.
CRBD's Dividend Yield is rather good when compared to the industry average which is at 3.84. CRBD pays more dividend than 80.20% of the companies in the same industry.
CRBD's Dividend Yield is a higher than the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 2.87%

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

24.39% of the earnings are spent on dividend by CRBD. This is a low number and sustainable payout ratio.
DP24.39%
EPS Next 2Y14.4%
EPS Next 3Y14.21%
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
CRBD Dividend Payout.CRBD Dividend Payout, showing the Payout Ratio.CRBD Dividend Payout.PayoutRetained Earnings

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

NYSE:CRBD (2/21/2025, 8:10:49 PM)

After market: 25.15 +0.02 (+0.08%)

25.13

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-12 2025-02-12/amc
Earnings (Next)05-01 2025-05-01/bmo
Inst Owners101.26%
Inst Owner ChangeN/A
Ins Owners0.25%
Ins Owner ChangeN/A
Market Cap17.36B
Analysts79.09
Price TargetN/A
Short Float %0.01%
Short Ratio0.93
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP24.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.84%
Min EPS beat(2)-0.2%
Max EPS beat(2)15.87%
EPS beat(4)3
Avg EPS beat(4)4.63%
Min EPS beat(4)-0.2%
Max EPS beat(4)15.87%
EPS beat(8)6
Avg EPS beat(8)5.6%
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)-18.15%
Min Revenue beat(2)-21.6%
Max Revenue beat(2)-14.69%
Revenue beat(4)1
Avg Revenue beat(4)-16.03%
Min Revenue beat(4)-28.97%
Max Revenue beat(4)1.15%
Revenue beat(8)3
Avg Revenue beat(8)-10.38%
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)-3.89%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.86%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)-5.45%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-2.46%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 5.19
Fwd PE 4.57
P/S 0.97
P/FCF 8.07
P/OCF 8.07
P/B 1.51
P/tB 1.51
EV/EBITDA 8.28
EPS(TTM)4.84
EY19.26%
EPS(NY)5.5
Fwd EY21.88%
FCF(TTM)3.11
FCFY12.39%
OCF(TTM)3.11
OCFY12.39%
SpS25.83
BVpS16.59
TBVpS16.59
PEG (NY)0.38
PEG (5Y)0.04
Profitability
Industry RankSector Rank
ROA 0.57%
ROE 19.46%
ROCE 0.82%
ROIC 0.64%
ROICexc 0.64%
ROICexgc 0.95%
OM 17.77%
PM (TTM) 12.5%
GM N/A
FCFM 12.05%
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 Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 1.08
Debt/FCF 5.76
Debt/EBITDA 3.68
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 5.9
Cash Conversion 63.92%
Profit Quality 96.46%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.86%
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)18.05%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%18.27%
EPS Next Y13.59%
EPS Next 2Y14.4%
EPS Next 3Y14.21%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.13%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%59.59%
Revenue Next Year8.29%
Revenue Next 2Y6.82%
Revenue Next 3Y6.54%
Revenue Next 5YN/A
EBIT growth 1Y232.5%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.87%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-35.87%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%