F&G ANNUITIES & LIFE INC (FG) Fundamental Analysis & Valuation

NYSE:FG • US30190A1043

Current stock price

28.59 USD
-0.05 (-0.17%)
At close:
28.59 USD
0 (0%)
After Hours:

This FG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. FG Profitability Analysis

1.1 Basic Checks

  • FG had positive earnings in the past year.
  • In the past year FG had a positive cash flow from operations.
  • FG had positive earnings in 4 of the past 5 years.
  • Each year in the past 5 years FG had a positive operating cash flow.
FG Yearly Net Income VS EBIT VS OCF VS FCFFG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 2B 4B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.25%, FG is doing worse than 80.95% of the companies in the same industry.
  • FG's Return On Equity of 5.16% is on the low side compared to the rest of the industry. FG is outperformed by 74.15% of its industry peers.
  • FG's Return On Invested Capital of 0.42% is on the low side compared to the rest of the industry. FG is outperformed by 68.71% of its industry peers.
  • FG had an Average Return On Invested Capital over the past 3 years of 0.47%. This is significantly below the industry average of 9.60%.
Industry RankSector Rank
ROA 0.25%
ROE 5.16%
ROIC 0.42%
ROA(3y)0.3%
ROA(5y)0.71%
ROE(3y)6.35%
ROE(5y)11.66%
ROIC(3y)0.47%
ROIC(5y)0.87%
FG Yearly ROA, ROE, ROICFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • With a Profit Margin value of 4.31%, FG is not doing good in the industry: 72.11% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of FG has declined.
  • FG has a Operating Margin of 8.47%. This is in the lower half of the industry: FG underperforms 68.71% of its industry peers.
  • FG's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.47%
PM (TTM) 4.31%
GM N/A
OM growth 3Y-31.81%
OM growth 5YN/A
PM growth 3Y-40.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
FG Yearly Profit, Operating, Gross MarginsFG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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4

2. FG Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FG is destroying value.
  • FG has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FG has more shares outstanding
  • Compared to 1 year ago, FG has an improved debt to assets ratio.
FG Yearly Shares OutstandingFG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FG Yearly Total Debt VS Total AssetsFG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • FG has an Altman-Z score of 0.12. This is a bad value and indicates that FG is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of FG (0.12) is better than 69.39% of its industry peers.
  • The Debt to FCF ratio of FG is 0.48, which is an excellent value as it means it would take FG, only 0.48 years of fcf income to pay off all of its debts.
  • FG has a better Debt to FCF ratio (0.48) than 78.91% of its industry peers.
  • FG has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FG (0.47) is worse than 68.71% of its industry peers.
  • Although FG's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 0.48
Altman-Z 0.12
ROIC/WACC0.05
WACC7.89%
FG Yearly LT Debt VS Equity VS FCFFG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B 4B 5B

2.3 Liquidity

  • FG has a Current Ratio of 0.39. This is a bad value and indicates that FG is not financially healthy enough and could expect problems in meeting its short term obligations.
  • FG has a better Current ratio (0.39) than 72.11% of its industry peers.
  • A Quick Ratio of 0.39 indicates that FG may have some problems paying its short term obligations.
  • FG has a better Quick ratio (0.39) than 72.11% of its industry peers.
Industry RankSector Rank
Current Ratio 0.39
Quick Ratio 0.39
FG Yearly Current Assets VS Current LiabilitesFG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 2B 4B 6B

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5

3. FG Growth Analysis

3.1 Past

  • The earnings per share for FG have decreased strongly by -15.02% in the last year.
  • Measured over the past years, FG shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -23.40% on average per year.
  • FG shows a decrease in Revenue. In the last year, the revenue decreased by -0.45%.
  • Measured over the past years, FG shows a very strong growth in Revenue. The Revenue has been growing by 32.79% on average per year.
EPS 1Y (TTM)-15.02%
EPS 3Y-23.4%
EPS 5YN/A
EPS Q2Q%-18.75%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y34.79%
Revenue growth 5Y32.79%
Sales Q2Q%47.79%

3.2 Future

  • Based on estimates for the next years, FG will show a very strong growth in Earnings Per Share. The EPS will grow by 28.86% on average per year.
  • The Revenue is expected to grow by 7.22% on average over the next years.
EPS Next Y59.91%
EPS Next 2Y37.02%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

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 accelerating.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
FG Yearly Revenue VS EstimatesFG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
FG Yearly EPS VS EstimatesFG Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2 4 6

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9

4. FG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.90, the valuation of FG can be described as very cheap.
  • Based on the Price/Earnings ratio, FG is valued a bit cheaper than 68.71% of the companies in the same industry.
  • FG is valuated cheaply when we compare the Price/Earnings ratio to 26.64, which is the current average of the S&P500 Index.
  • FG is valuated cheaply with a Price/Forward Earnings ratio of 4.94.
  • Based on the Price/Forward Earnings ratio, FG is valued cheaper than 82.31% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of FG to the average of the S&P500 Index (21.36), we can say FG is valued rather cheaply.
Industry RankSector Rank
PE 7.9
Fwd PE 4.94
FG Price Earnings VS Forward Price EarningsFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 81.63% of the companies in the same industry are more expensive than FG, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, FG is valued cheaply inside the industry as 95.92% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.83
EV/EBITDA 4.02
FG Per share dataFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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.
  • FG's earnings are expected to grow with 28.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y37.02%
EPS Next 3Y28.86%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. FG Dividend Analysis

5.1 Amount

  • FG has a Yearly Dividend Yield of 3.28%. Purely for dividend investing, there may be better candidates out there.
  • FG's Dividend Yield is a higher than the industry average which is at 2.38.
  • Compared to an average S&P500 Dividend Yield of 1.80, FG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.28%

5.2 History

  • FG has been paying a dividend for over 5 years, so it has already some track record.
  • The dividend of FG decreased in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
FG Yearly Dividends per shareFG Yearly Dividends per shareYearly Dividends per share 2019 2020 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 55.24% of the earnings are spent on dividend by FG. This is a bit on the high side, but may be sustainable.
DP55.24%
EPS Next 2Y37.02%
EPS Next 3Y28.86%
FG Yearly Income VS Free CF VS DividendFG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 0 2B 4B
FG Dividend Payout.FG Dividend Payout, showing the Payout Ratio.FG Dividend Payout.PayoutRetained Earnings

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FG Fundamentals: All Metrics, Ratios and Statistics

F&G ANNUITIES & LIFE INC

NYSE:FG (5/1/2026, 8:26:48 PM)

After market: 28.59 0 (0%)

28.59

-0.05 (-0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength40.37
Industry Growth45.34
Earnings (Last)02-19
Earnings (Next)05-06
Inst Owners93.26%
Inst Owner Change0%
Ins Owners2.39%
Ins Owner Change-16.22%
Market Cap3.88B
Revenue(TTM)5.75B
Net Income(TTM)248.00M
Analysts42
Price Target27.54 (-3.67%)
Short Float %1.94%
Short Ratio4
Dividend
Industry RankSector Rank
Dividend Yield 3.28%
Yearly Dividend1.04
Dividend Growth(5Y)N/A
DP55.24%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-17
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.38%
Min EPS beat(2)-26.56%
Max EPS beat(2)21.8%
EPS beat(4)2
Avg EPS beat(4)-0.28%
Min EPS beat(4)-27.3%
Max EPS beat(4)30.92%
EPS beat(8)3
Avg EPS beat(8)-3.08%
EPS beat(12)3
Avg EPS beat(12)-13.07%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)30.97%
Min Revenue beat(2)17.31%
Max Revenue beat(2)44.63%
Revenue beat(4)3
Avg Revenue beat(4)8.47%
Min Revenue beat(4)-40.15%
Max Revenue beat(4)44.63%
Revenue beat(8)6
Avg Revenue beat(8)10.01%
Revenue beat(12)9
Avg Revenue beat(12)11.22%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-8.47%
PT rev (3m)-15.62%
EPS NQ rev (1m)-21.97%
EPS NQ rev (3m)-21.82%
EPS NY rev (1m)2%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.97%
Valuation
Industry RankSector Rank
PE 7.9
Fwd PE 4.94
P/S 0.67
P/FCF 0.83
P/OCF 0.83
P/B 0.81
P/tB N/A
EV/EBITDA 4.02
EPS(TTM)3.62
EY12.66%
EPS(NY)5.79
Fwd EY20.25%
FCF(TTM)34.41
FCFY120.35%
OCF(TTM)34.52
OCFY120.73%
SpS42.42
BVpS35.43
TBVpS-26.92
PEG (NY)0.13
PEG (5Y)N/A
Graham Number53.7157 (87.88%)
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 5.16%
ROCE 0.51%
ROIC 0.42%
ROICexc 0.43%
ROICexgc 0.61%
OM 8.47%
PM (TTM) 4.31%
GM N/A
FCFM 81.12%
ROA(3y)0.3%
ROA(5y)0.71%
ROE(3y)6.35%
ROE(5y)11.66%
ROIC(3y)0.47%
ROIC(5y)0.87%
ROICexc(3y)0.48%
ROICexc(5y)0.89%
ROICexgc(3y)0.67%
ROICexgc(5y)1.06%
ROCE(3y)0.57%
ROCE(5y)1.04%
ROICexgc growth 3Y-18.28%
ROICexgc growth 5YN/A
ROICexc growth 3Y-24.54%
ROICexc growth 5YN/A
OM growth 3Y-31.81%
OM growth 5YN/A
PM growth 3Y-40.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 0.48
Debt/EBITDA 1.94
Cap/Depr 2.26%
Cap/Sales 0.26%
Interest Coverage 3.12
Cash Conversion 406.34%
Profit Quality 1881.45%
Current Ratio 0.39
Quick Ratio 0.39
Altman-Z 0.12
F-Score4
WACC7.89%
ROIC/WACC0.05
Cap/Depr(3y)4.34%
Cap/Depr(5y)5.91%
Cap/Sales(3y)0.43%
Cap/Sales(5y)0.7%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.02%
EPS 3Y-23.4%
EPS 5YN/A
EPS Q2Q%-18.75%
EPS Next Y59.91%
EPS Next 2Y37.02%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y34.79%
Revenue growth 5Y32.79%
Sales Q2Q%47.79%
Revenue Next Year8.95%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-46.48%
EBIT growth 3Y-8.08%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.91%
FCF growth 3Y14.13%
FCF growth 5Y166.06%
OCF growth 1Y-21.97%
OCF growth 3Y13.86%
OCF growth 5Y136.7%

F&G ANNUITIES & LIFE INC / FG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of F&G ANNUITIES & LIFE INC (FG) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FG.


What is the valuation status of F&G ANNUITIES & LIFE INC (FG) stock?

ChartMill assigns a valuation rating of 9 / 10 to F&G ANNUITIES & LIFE INC (FG). This can be considered as Undervalued.


How profitable is F&G ANNUITIES & LIFE INC (FG) stock?

F&G ANNUITIES & LIFE INC (FG) has a profitability rating of 2 / 10.


What is the expected EPS growth for F&G ANNUITIES & LIFE INC (FG) stock?

The Earnings per Share (EPS) of F&G ANNUITIES & LIFE INC (FG) is expected to grow by 59.91% in the next year.


How sustainable is the dividend of F&G ANNUITIES & LIFE INC (FG) stock?

The dividend rating of F&G ANNUITIES & LIFE INC (FG) is 4 / 10 and the dividend payout ratio is 55.24%.