COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis
USA - NYSE:CRBG - US21871X1090 - Common Stock
29.95 USD
+0.04 (+0.13%)
29.95 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to CRBG. CRBG was compared to 97 industry peers in the Financial Services industry. There are concerns on the financial health of CRBG while its profitability can be described as average. CRBG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
CRBG had positive earnings in the past year.
CRBG had a positive operating cash flow in the past year.
Each year in the past 5 years CRBG has been profitable.
CRBG had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
CRBG has a Return On Assets of 0.24%. This is in the lower half of the industry: CRBG underperforms 69.07% of its industry peers.
Looking at the Return On Equity, with a value of 7.32%, CRBG is in line with its industry, outperforming 40.21% 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
CRBG's Profit Margin of 5.64% is in line compared to the rest of the industry. CRBG outperforms 42.27% of its industry peers.
CRBG's Profit Margin has improved in the last couple of years.
Looking at the Operating Margin, with a value of 12.90%, CRBG is in line with its industry, outperforming 47.42% of the companies in the same industry.
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.
CRBG has less shares outstanding than it did 1 year ago.
CRBG has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CRBG is higher compared to a year ago.
2.2 Solvency
CRBG has a debt to FCF ratio of 6.80. This is a slightly negative value and a sign of low solvency as CRBG would need 6.80 years to pay back of all of its debts.
The Debt to FCF ratio of CRBG (6.80) is comparable to the rest of the industry.
A Debt/Equity ratio of 0.81 indicates that CRBG is somewhat dependend on debt financing.
CRBG has a Debt to Equity ratio (0.81) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.81 | ||
| Debt/FCF | 6.8 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC6.49%
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%.
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 strong growth in Revenue. In the last year, 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
The Earnings Per Share is expected to grow by 10.99% on average over the next years. This is quite good.
CRBG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.61% yearly.
EPS Next Y-2.56%
EPS Next 2Y7.69%
EPS Next 3Y11.02%
EPS Next 5Y10.99%
Revenue Next Year-10.4%
Revenue Next 2Y-2.8%
Revenue Next 3Y0.65%
Revenue Next 5Y2.61%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.36 indicates a rather cheap valuation of CRBG.
CRBG's Price/Earnings ratio is rather cheap when compared to the industry. CRBG is cheaper than 88.66% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.06. CRBG is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 5.34, the valuation of CRBG can be described as very cheap.
Based on the Price/Forward Earnings ratio, CRBG is valued cheaper than 85.57% of the companies in the same industry.
CRBG is valuated cheaply when we compare the Price/Forward Earnings ratio to 32.73, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.36 | ||
| Fwd PE | 5.34 |
4.2 Price Multiples
CRBG's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. CRBG is cheaper than 70.10% of the companies in the same industry.
70.10% of the companies in the same industry are more expensive than CRBG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.96 | ||
| EV/EBITDA | 9.9 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.06
EPS Next 2Y7.69%
EPS Next 3Y11.02%
5. Dividend
5.1 Amount
CRBG has a Yearly Dividend Yield of 3.21%.
CRBG's Dividend Yield is a higher than the industry average which is at 4.50.
Compared to an average S&P500 Dividend Yield of 2.36, CRBG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
5.2 History
CRBG has been paying a dividend for less than 5 years, so it still needs to build a track record.
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 2Y7.69%
EPS Next 3Y11.02%
29.95
+0.04 (+0.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners86.58%
Inst Owner Change-5.31%
Ins Owners0.27%
Ins Owner Change-44.13%
Market Cap16.13B
Revenue(TTM)17.58B
Net Income(TTM)991.00M
Analysts79.05
Price Target40.72 (35.96%)
Short Float %1.85%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.21% |
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)3.09%
Min EPS beat(2)-9.38%
Max EPS beat(2)15.55%
EPS beat(4)2
Avg EPS beat(4)1.6%
Min EPS beat(4)-9.38%
Max EPS beat(4)15.55%
EPS beat(8)6
Avg EPS beat(8)3.78%
EPS beat(12)9
Avg EPS beat(12)6.23%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-0.99%
Min Revenue beat(2)-11.42%
Max Revenue beat(2)9.43%
Revenue beat(4)1
Avg Revenue beat(4)-7.19%
Min Revenue beat(4)-14.87%
Max Revenue beat(4)9.43%
Revenue beat(8)3
Avg Revenue beat(8)-8.52%
Revenue beat(12)6
Avg Revenue beat(12)-3.04%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.04%
PT rev (3m)-2.24%
EPS NQ rev (1m)-13.26%
EPS NQ rev (3m)-18.11%
EPS NY rev (1m)-6.01%
EPS NY rev (3m)-4.75%
Revenue NQ rev (1m)2.17%
Revenue NQ rev (3m)-0.58%
Revenue NY rev (1m)-3.14%
Revenue NY rev (3m)-7.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.36 | ||
| Fwd PE | 5.34 | ||
| P/S | 0.92 | ||
| P/FCF | 9.96 | ||
| P/OCF | 9.96 | ||
| P/B | 1.19 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | 9.9 |
EPS(TTM)4.71
EY15.73%
EPS(NY)5.61
Fwd EY18.74%
FCF(TTM)3.01
FCFY10.04%
OCF(TTM)3.01
OCFY10.04%
SpS32.65
BVpS25.15
TBVpS25.15
PEG (NY)N/A
PEG (5Y)0.06
Graham Number51.62
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
WACC6.49%
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-2.56%
EPS Next 2Y7.69%
EPS Next 3Y11.02%
EPS Next 5Y10.99%
Revenue 1Y (TTM)20.58%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%24.11%
Revenue Next Year-10.4%
Revenue Next 2Y-2.8%
Revenue Next 3Y0.65%
Revenue Next 5Y2.61%
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 -2.56% in the next year.
Is the dividend of COREBRIDGE FINANCIAL INC sustainable?
The dividend rating of COREBRIDGE FINANCIAL INC (CRBG) is 3 / 10 and the dividend payout ratio is 52.57%.