COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis
USA - NYSE:CRBG - US21871X1090 - Common Stock
29.12 USD
-0.01 (-0.03%)
29.12 USD
0 (0%)
Overall CRBG gets a fundamental rating of 4 out of 10. We evaluated CRBG against 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 is not valued too expensively and it also shows a decent 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.
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 worse Return On Assets (0.24%) than 69.07% of its industry peers.
CRBG has a Return On Equity of 7.32%. This is comparable to the rest of the industry: CRBG outperforms 40.21% of its industry peers.
| 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.
With a Operating Margin value of 12.90%, CRBG perfoms like the industry average, outperforming 46.39% of the companies in the same industry.
In the last couple of years the Operating Margin of CRBG has grown nicely.
| 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.
Compared to 1 year ago, CRBG has less shares outstanding
The number of shares outstanding for CRBG has been reduced compared to 5 years ago.
CRBG has a worse debt/assets ratio than last year.
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's Debt to FCF ratio of 6.80 is in line compared to the rest of the industry. CRBG outperforms 58.76% of its industry peers.
A Debt/Equity ratio of 0.81 indicates that 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 48.45% 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
WACC6.47%
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%.
CRBG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 115.54% yearly.
The Revenue has grown by 20.58% in the past year. This is a very strong growth!
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 10.99% yearly.
Based on estimates for the next years, CRBG will show a small growth in Revenue. The Revenue will grow by 2.61% on average per year.
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.
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
With a Price/Earnings ratio of 6.18, the valuation of CRBG can be described as very cheap.
87.63% of the companies in the same industry are more expensive than CRBG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 25.89, CRBG is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.19, 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 86.60% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.59. CRBG is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 5.19 |
4.2 Price Multiples
70.10% of the companies in the same industry are more expensive than CRBG, based on the Enterprise Value to EBITDA ratio.
71.13% 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 | 9.69 | ||
| EV/EBITDA | 9.73 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)0.05
EPS Next 2Y7.69%
EPS Next 3Y11.02%
5. Dividend
5.1 Amount
CRBG has a Yearly Dividend Yield of 6.51%, which is a nice return.
Compared to an average industry Dividend Yield of 4.67, CRBG pays a better dividend. On top of this CRBG pays more dividend than 84.54% of the companies listed in the same industry.
CRBG's Dividend Yield is rather good when compared to the S&P500 average which is at 2.44.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.51% |
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%
29.12
-0.01 (-0.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners86.58%
Inst Owner Change3.11%
Ins Owners0.27%
Ins Owner Change-36.47%
Market Cap15.68B
Revenue(TTM)17.58B
Net Income(TTM)991.00M
Analysts79.05
Price Target40.72 (39.84%)
Short Float %1.85%
Short Ratio2.77
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.51% |
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)-1.66%
EPS NQ rev (3m)-8.31%
EPS NY rev (1m)-6.01%
EPS NY rev (3m)-4.75%
Revenue NQ rev (1m)0.7%
Revenue NQ rev (3m)-5.21%
Revenue NY rev (1m)-3.14%
Revenue NY rev (3m)-7.61%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.18 | ||
| Fwd PE | 5.19 | ||
| P/S | 0.89 | ||
| P/FCF | 9.69 | ||
| P/OCF | 9.69 | ||
| P/B | 1.16 | ||
| P/tB | 1.16 | ||
| EV/EBITDA | 9.73 |
EPS(TTM)4.71
EY16.17%
EPS(NY)5.61
Fwd EY19.28%
FCF(TTM)3.01
FCFY10.32%
OCF(TTM)3.01
OCFY10.32%
SpS32.65
BVpS25.15
TBVpS25.15
PEG (NY)N/A
PEG (5Y)0.05
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
WACC6.47%
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)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%.