Logo image of CRBG

COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis

NYSE:CRBG - New York Stock Exchange, Inc. - US21871X1090 - Common Stock

32.58  +0.15 (+0.46%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to CRBG. CRBG was compared to 101 industry peers in the Financial Services industry. CRBG has a bad profitability rating. Also its financial health evaluation is rather negative. CRBG scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
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 0 2B 4B 6B 8B 10B

1.2 Ratios

CRBG has a Return On Assets of -0.31%. This is in the lower half of the industry: CRBG underperforms 77.23% of its industry peers.
CRBG's Return On Equity of -9.19% is on the low side compared to the rest of the industry. CRBG is outperformed by 78.22% of its industry peers.
Industry RankSector Rank
ROA -0.31%
ROE -9.19%
ROIC N/A
ROA(3y)1.44%
ROA(5y)0.9%
ROE(3y)41.14%
ROE(5y)25.06%
ROIC(3y)N/A
ROIC(5y)N/A
CRBG Yearly ROA, ROE, ROICCRBG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 20 40 60 80

1.3 Margins

In the last couple of years the Profit Margin of CRBG has grown nicely.
In the last couple of years the Operating Margin of CRBG has grown nicely.
The Profit Margin and Operating Margin and Gross Margin are not available for CRBG so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y-15.86%
OM growth 5Y50.59%
PM growth 3Y10.16%
PM growth 5YN/A
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 0 10 20 30 40

More info and screens

2

2. Health

2.1 Basic Checks

CRBG does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CRBG has less shares outstanding
Compared to 1 year ago, CRBG has an improved debt to assets ratio.
CRBG Yearly Shares OutstandingCRBG Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 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 100B 200B 300B 400B

2.2 Solvency

The Debt to FCF ratio of CRBG is 8.15, which is on the high side as it means it would take CRBG, 8.15 years of fcf income to pay off all of its debts.
CRBG has a Debt to FCF ratio (8.15) which is in line with its industry peers.
A Debt/Equity ratio of 0.88 indicates that CRBG is somewhat dependend on debt financing.
CRBG has a Debt to Equity ratio of 0.88. This is comparable to the rest of the industry: CRBG outperforms 43.56% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.88
Debt/FCF 8.15
Altman-Z N/A
ROIC/WACCN/A
WACC7.47%
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 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 2B 4B 6B 8B

More info and screens

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.02% over the past year.
The Earnings Per Share has been growing by 19.61% on average over the past years. This is quite good.
The Revenue for CRBG has decreased by -21.40% in the past year. This is quite bad
The Revenue has been growing slightly by 4.36% on average over the past years.
EPS 1Y (TTM)18.02%
EPS 3Y19.61%
EPS 5YN/A
EPS Q2Q%31.43%
Revenue 1Y (TTM)-21.4%
Revenue growth 3Y8.75%
Revenue growth 5Y4.36%
Sales Q2Q%-17.66%

3.2 Future

The Earnings Per Share is expected to grow by 15.18% 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 4.51% on average per year.
EPS Next Y20.39%
EPS Next 2Y18.06%
EPS Next 3Y17.18%
EPS Next 5Y15.18%
Revenue Next Year-1.55%
Revenue Next 2Y3.66%
Revenue Next 3Y4.06%
Revenue Next 5Y4.51%

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 stable.
CRBG Yearly Revenue VS EstimatesCRBG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5B 10B 15B 20B 25B
CRBG Yearly EPS VS EstimatesCRBG Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2 4 6

More info and screens

7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.01, the valuation of CRBG can be described as very cheap.
CRBG's Price/Earnings ratio is rather cheap when compared to the industry. CRBG is cheaper than 87.13% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.29. CRBG is valued rather cheaply when compared to this.
CRBG is valuated cheaply with a Price/Forward Earnings ratio of 5.70.
90.10% of the companies in the same industry are more expensive than CRBG, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 24.44. CRBG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.01
Fwd PE 5.7
CRBG Price Earnings VS Forward Price EarningsCRBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CRBG's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CRBG is cheaper than 71.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.27
EV/EBITDA N/A
CRBG Per share dataCRBG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

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.
CRBG's earnings are expected to grow with 17.18% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.34
PEG (5Y)N/A
EPS Next 2Y18.06%
EPS Next 3Y17.18%

More info and screens

3

5. Dividend

5.1 Amount

CRBG has a Yearly Dividend Yield of 2.90%.
CRBG's Dividend Yield is rather good when compared to the industry average which is at 3.66. CRBG pays more dividend than 80.20% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.28, CRBG pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.9%

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 Years1
Div Non Decr Years1
CRBG Yearly Dividends per shareCRBG Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 0.5 1 1.5 2 2.5

5.3 Sustainability

The earnings of CRBG are negative and hence is the payout ratio. CRBG will probably not be able to sustain this dividend level.
DP-103.28%
EPS Next 2Y18.06%
EPS Next 3Y17.18%
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 0 2B 4B 6B 8B

More info and screens

COREBRIDGE FINANCIAL INC

NYSE:CRBG (1/22/2025, 11:54:59 AM)

32.58

+0.15 (+0.46%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2024-11-04/amc
Earnings (Next)02-14 2025-02-14/amc
Inst Owners101.26%
Inst Owner Change0.07%
Ins Owners0.25%
Ins Owner Change-65.54%
Market Cap22.51B
Analysts77.14
Price Target37.91 (16.36%)
Short Float %1.19%
Short Ratio2.13
Dividend
Industry RankSector Rank
Dividend Yield 2.9%
Yearly Dividend2.72
Dividend Growth(5Y)N/A
DP-103.28%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.56%
Min EPS beat(2)1.25%
Max EPS beat(2)15.87%
EPS beat(4)4
Avg EPS beat(4)5.96%
Min EPS beat(4)1.25%
Max EPS beat(4)15.87%
EPS beat(8)7
Avg EPS beat(8)8.55%
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)-25.28%
Min Revenue beat(2)-28.97%
Max Revenue beat(2)-21.6%
Revenue beat(4)2
Avg Revenue beat(4)-9.84%
Min Revenue beat(4)-28.97%
Max Revenue beat(4)5.71%
Revenue beat(8)5
Avg Revenue beat(8)-0.96%
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)0.68%
PT rev (3m)9.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-6.03%
EPS NY rev (1m)0%
EPS NY rev (3m)2.26%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.11%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-4.69%
Valuation
Industry RankSector Rank
PE 7.01
Fwd PE 5.7
P/S 1.54
P/FCF 15.27
P/OCF 15.27
P/B 1.65
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)4.65
EY14.27%
EPS(NY)5.71
Fwd EY17.54%
FCF(TTM)2.13
FCFY6.55%
OCF(TTM)2.13
OCFY6.55%
SpS21.11
BVpS19.7
TBVpS19.7
PEG (NY)0.34
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.31%
ROE -9.19%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 10.11%
ROA(3y)1.44%
ROA(5y)0.9%
ROE(3y)41.14%
ROE(5y)25.06%
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)1.74%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-15.86%
OM growth 5Y50.59%
PM growth 3Y10.16%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.88
Debt/FCF 8.15
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC7.47%
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)123.45%
Profit Quality(5y)1155.71%
High Growth Momentum
Growth
EPS 1Y (TTM)18.02%
EPS 3Y19.61%
EPS 5YN/A
EPS Q2Q%31.43%
EPS Next Y20.39%
EPS Next 2Y18.06%
EPS Next 3Y17.18%
EPS Next 5Y15.18%
Revenue 1Y (TTM)-21.4%
Revenue growth 3Y8.75%
Revenue growth 5Y4.36%
Sales Q2Q%-17.66%
Revenue Next Year-1.55%
Revenue Next 2Y3.66%
Revenue Next 3Y4.06%
Revenue Next 5Y4.51%
EBIT growth 1Y-157.65%
EBIT growth 3Y-8.5%
EBIT growth 5Y57.15%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.11%
FCF growth 3Y0.27%
FCF growth 5Y0.89%
OCF growth 1Y-51.11%
OCF growth 3Y0.27%
OCF growth 5Y0.89%