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COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis

USA - NYSE:CRBG - US21871X1090 - Common Stock

31.36 USD
-1.14 (-3.51%)
Last: 9/16/2025, 7:08:51 PM
31.41 USD
+0.05 (+0.16%)
After Hours: 9/16/2025, 7:08:51 PM
Fundamental Rating

4

CRBG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. CRBG has a bad profitability rating. Also its financial health evaluation is rather negative. CRBG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year CRBG was profitable.
CRBG had a positive operating cash flow in the past year.
Each year in the past 5 years CRBG has been profitable.
In the past 5 years CRBG always reported a positive cash flow from operatings.
CRBG Yearly Net Income VS EBIT VS OCF VS FCFCRBG 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

Looking at the Return On Assets, with a value of -0.08%, CRBG is doing worse than 75.25% of the companies in the same industry.
CRBG's Return On Equity of -2.74% is on the low side compared to the rest of the industry. CRBG is outperformed by 79.21% of its industry peers.
CRBG has a Return On Invested Capital of 0.20%. This is in the lower half of the industry: CRBG underperforms 70.30% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CRBG 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%
CRBG Yearly ROA, ROE, ROICCRBG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

In the last couple of years the Profit Margin of CRBG has grown nicely.
With a Operating Margin value of 7.02%, CRBG is not doing good in the industry: 63.37% of the companies in the same industry are doing better.
In the last couple of years the Operating Margin of CRBG has grown nicely.
CRBG does not have Profit Margin and Gross Margin available, so we won't be analyzing them here.
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
CRBG Yearly Profit, Operating, Gross MarginsCRBG 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), CRBG is destroying value.
Compared to 1 year ago, CRBG has less shares outstanding
Compared to 5 years ago, CRBG has less shares outstanding
The debt/assets ratio for CRBG is higher compared to a year ago.
CRBG Yearly Shares OutstandingCRBG Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 200M 400M 600M
CRBG Yearly Total Debt VS Total AssetsCRBG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

The Debt to FCF ratio of CRBG is 6.76, which is on the high side as it means it would take CRBG, 6.76 years of fcf income to pay off all of its debts.
CRBG has a Debt to FCF ratio of 6.76. This is in the better half of the industry: CRBG outperforms 60.40% of its industry peers.
A Debt/Equity ratio of 0.92 indicates that CRBG is somewhat dependend on debt financing.
CRBG's Debt to Equity ratio of 0.92 is in line compared to the rest of the industry. CRBG outperforms 46.53% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.92
Debt/FCF 6.76
Altman-Z N/A
ROIC/WACC0.03
WACC7.41%
CRBG Yearly LT Debt VS Equity VS FCFCRBG 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
CRBG Yearly Current Assets VS Current LiabilitesCRBG 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

CRBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.75%, which is quite good.
Measured over the past years, CRBG shows a very strong growth in Earnings Per Share. The EPS has been growing by 115.54% on average per year.
CRBG shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -16.47%.
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)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

The Earnings Per Share is expected to grow by 10.21% on average over the next years. This is quite good.
Based on estimates for the next years, CRBG will show a small growth in Revenue. The Revenue will grow by 3.39% on average per year.
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

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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.
CRBG Yearly Revenue VS EstimatesCRBG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
CRBG Yearly EPS VS EstimatesCRBG Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 6.11, the valuation of CRBG can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CRBG indicates a rather cheap valuation: CRBG is cheaper than 91.09% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of CRBG to the average of the S&P500 Index (27.20), we can say CRBG is valued rather cheaply.
CRBG is valuated cheaply with a Price/Forward Earnings ratio of 5.48.
Based on the Price/Forward Earnings ratio, CRBG is valued cheaper than 87.13% of the companies in the same industry.
CRBG is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 6.11
Fwd PE 5.48
CRBG Price Earnings VS Forward Price EarningsCRBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

CRBG's Enterprise Value to EBITDA ratio is in line with the industry average.
CRBG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CRBG is cheaper than 75.25% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.06
EV/EBITDA 21.74
CRBG Per share dataCRBG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.49
PEG (5Y)0.05
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%, CRBG has a reasonable but not impressive dividend return.
CRBG's Dividend Yield is a higher than the industry average which is at 4.86.
CRBG's Dividend Yield is comparable with the S&P500 average which is at 2.38.
Industry RankSector Rank
Dividend Yield 2.83%

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
CRBG Yearly Dividends per shareCRBG Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

CRBG has negative earnings and hence a negative payout ratio. The dividend may be in danger.
DP-156.08%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
CRBG Yearly Income VS Free CF VS DividendCRBG 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

NYSE:CRBG (9/16/2025, 7:08:51 PM)

After market: 31.41 +0.05 (+0.16%)

31.36

-1.14 (-3.51%)

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 Change-8.43%
Ins Owners0.34%
Ins Owner Change-21.49%
Market Cap16.89B
Analysts79.05
Price Target41.99 (33.9%)
Short Float %1.9%
Short Ratio2.57
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-Date09-16 2025-09-16 (0.24)
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)3
Avg Revenue beat(8)-7.82%
Revenue beat(12)6
Avg Revenue beat(12)0.19%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.82%
PT rev (3m)14.62%
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 6.11
Fwd PE 5.48
P/S 1.15
P/FCF 10.06
P/OCF 10.06
P/B 1.37
P/tB 1.37
EV/EBITDA 21.74
EPS(TTM)5.13
EY16.36%
EPS(NY)5.72
Fwd EY18.25%
FCF(TTM)3.12
FCFY9.94%
OCF(TTM)3.12
OCFY9.94%
SpS27.22
BVpS22.85
TBVpS22.85
PEG (NY)1.49
PEG (5Y)0.05
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
WACC7.41%
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%