COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CRBG - US21871X1090 - Common Stock
30.66 USD
+0.07 (+0.23%)
30.66 USD
0 (0%)
Taking everything into account, CRBG scores 4 out of 10 in our fundamental rating. CRBG was compared to 99 industry peers in the Financial Services industry. While CRBG is still in line with the averages on profitability rating, there are concerns on its financial health. CRBG has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CRBG had positive earnings in the past year.
In the past year CRBG had a positive cash flow from operations.
In the past 5 years CRBG has always been profitable.
Each year in the past 5 years CRBG had a positive operating cash flow.
1.2 Ratios
CRBG has a Return On Assets of 0.24%. This is in the lower half of the industry: CRBG underperforms 67.68% of its industry peers.
With a Return On Equity value of 7.32%, CRBG perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.24% | ||
| ROE | 7.32% | ||
| ROIC | N/A |
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of CRBG (5.64%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of CRBG has grown nicely.
CRBG has a Operating Margin of 12.90%. This is comparable to the rest of the industry: CRBG outperforms 49.49% of its industry peers.
CRBG's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 12.9% | ||
| PM (TTM) | 5.64% | ||
| 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
CRBG does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CRBG has been reduced compared to 1 year ago.
Compared to 5 years ago, CRBG has less shares outstanding
The debt/assets ratio for CRBG is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of CRBG is 6.80, which is on the high side as it means it would take CRBG, 6.80 years of fcf income to pay off all of its debts.
CRBG has a Debt to FCF ratio (6.80) which is comparable to the rest of the industry.
CRBG has a Debt/Equity ratio of 0.81. This is a neutral value indicating CRBG is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.81, CRBG is in line with its industry, outperforming 47.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | 6.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.51%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CRBG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.29%.
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, CRBG shows a very strong growth in Revenue. The Revenue has grown by 20.58%.
Measured over the past years, CRBG shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
EPS 1Y (TTM)1.29%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%-30.43%
Revenue 1Y (TTM)20.58%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%24.11%
3.2 Future
CRBG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 8.31% yearly.
The Revenue is expected to grow by 2.89% on average over the next years.
EPS Next Y-6.99%
EPS Next 2Y6.6%
EPS Next 3Y10.25%
EPS Next 5Y8.31%
Revenue Next Year-4.85%
Revenue Next 2Y1.32%
Revenue Next 3Y3.31%
Revenue Next 5Y2.89%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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
A Price/Earnings ratio of 6.51 indicates a rather cheap valuation of CRBG.
87.88% of the companies in the same industry are more expensive than CRBG, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CRBG to the average of the S&P500 Index (26.59), we can say CRBG is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.57, the valuation of CRBG can be described as very cheap.
CRBG's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRBG is cheaper than 85.86% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CRBG to the average of the S&P500 Index (24.03), we can say CRBG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.51 | ||
| Fwd PE | 5.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of CRBG indicates a somewhat cheap valuation: CRBG is cheaper than 71.72% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CRBG indicates a somewhat cheap valuation: CRBG is cheaper than 75.76% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.86 | ||
| EV/EBITDA | 9.82 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y6.6%
EPS Next 3Y10.25%
5. Dividend
5.1 Amount
CRBG has a Yearly Dividend Yield of 3.14%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 2.43, CRBG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, CRBG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
5.2 History
CRBG has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
52.57% of the earnings are spent on dividend by CRBG. This is a bit on the high side, but may be sustainable.
DP52.57%
EPS Next 2Y6.6%
EPS Next 3Y10.25%
30.66
+0.07 (+0.23%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners85.6%
Inst Owner Change3.54%
Ins Owners0.25%
Ins Owner Change-36.42%
Market Cap15.96B
Revenue(TTM)17.58B
Net Income(TTM)991.00M
Analysts78.1
Price Target39.54 (28.96%)
Short Float %1.99%
Short Ratio1.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.14% |
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP52.57%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.88%
Min EPS beat(2)-13.79%
Max EPS beat(2)15.55%
EPS beat(4)2
Avg EPS beat(4)0.49%
Min EPS beat(4)-13.79%
Max EPS beat(4)15.55%
EPS beat(8)6
Avg EPS beat(8)3.22%
EPS beat(12)9
Avg EPS beat(12)5.86%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)2.16%
Min Revenue beat(2)-11.42%
Max Revenue beat(2)15.74%
Revenue beat(4)1
Avg Revenue beat(4)-5.62%
Min Revenue beat(4)-14.87%
Max Revenue beat(4)15.74%
Revenue beat(8)3
Avg Revenue beat(8)-7.73%
Revenue beat(12)6
Avg Revenue beat(12)-2.52%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-2.87%
PT rev (3m)-5.82%
EPS NQ rev (1m)-0.19%
EPS NQ rev (3m)-4.9%
EPS NY rev (1m)-4.55%
EPS NY rev (3m)-10.65%
Revenue NQ rev (1m)-1.41%
Revenue NQ rev (3m)1.99%
Revenue NY rev (1m)6.19%
Revenue NY rev (3m)2.86%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.51 | ||
| Fwd PE | 5.57 | ||
| P/S | 0.91 | ||
| P/FCF | 9.86 | ||
| P/OCF | 9.86 | ||
| P/B | 1.18 | ||
| P/tB | 1.18 | ||
| EV/EBITDA | 9.82 |
EPS(TTM)4.71
EY15.36%
EPS(NY)5.5
Fwd EY17.94%
FCF(TTM)3.11
FCFY10.15%
OCF(TTM)3.11
OCFY10.15%
SpS33.78
BVpS26.02
TBVpS26.02
PEG (NY)N/A
PEG (5Y)0.06
Graham Number52.51
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.24% | ||
| ROE | 7.32% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | 12.9% | ||
| PM (TTM) | 5.64% | ||
| GM | N/A | ||
| FCFM | 9.21% |
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
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)1.38%
ROCE(5y)1.27%
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | 6.8 | ||
| Debt/EBITDA | 4.06 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.58 | ||
| Cash Conversion | 59.72% | ||
| Profit Quality | 163.37% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC6.51%
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)144.44%
Profit Quality(5y)197%
High Growth Momentum
Growth
EPS 1Y (TTM)1.29%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%-30.43%
EPS Next Y-6.99%
EPS Next 2Y6.6%
EPS Next 3Y10.25%
EPS Next 5Y8.31%
Revenue 1Y (TTM)20.58%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%24.11%
Revenue Next Year-4.85%
Revenue Next 2Y1.32%
Revenue Next 3Y3.31%
Revenue Next 5Y2.89%
EBIT growth 1Y291.07%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next Year-5.93%
EBIT Next 3Y-0.33%
EBIT Next 5YN/A
FCF growth 1Y-47.72%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-47.72%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%
COREBRIDGE FINANCIAL INC / CRBG FAQ
What is the ChartMill fundamental rating of COREBRIDGE FINANCIAL INC (CRBG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to CRBG.
Can you provide the valuation status for COREBRIDGE FINANCIAL INC?
ChartMill assigns a valuation rating of 6 / 10 to COREBRIDGE FINANCIAL INC (CRBG). This can be considered as Fairly Valued.
How profitable is COREBRIDGE FINANCIAL INC (CRBG) stock?
COREBRIDGE FINANCIAL INC (CRBG) has a profitability rating of 4 / 10.
What is the expected EPS growth for COREBRIDGE FINANCIAL INC (CRBG) stock?
The Earnings per Share (EPS) of COREBRIDGE FINANCIAL INC (CRBG) is expected to decline by -6.99% in the next year.
Is the dividend of COREBRIDGE FINANCIAL INC sustainable?
The dividend rating of COREBRIDGE FINANCIAL INC (CRBG) is 4 / 10 and the dividend payout ratio is 52.57%.