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

NYSE:FG • US30190A1043

23.91 USD
-1.57 (-6.16%)
Last: Feb 23, 2026, 12:08 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall FG gets a fundamental rating of 4 out of 10. We evaluated FG against 150 industry peers in the Insurance industry. While FG seems to be doing ok healthwise, there are quite some concerns on its profitability. FG has a bad growth rate and is valued cheaply.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year FG was profitable.
  • In the past year FG had a positive cash flow from operations.
  • In multiple years FG reported negative net income over the last 5 years.
  • FG had a positive operating cash flow in 4 of the past 5 years.
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 0 2B 4B

1.2 Ratios

  • FG has a worse Return On Assets (0.46%) than 72.67% of its industry peers.
  • FG has a Return On Equity (9.27%) which is comparable to the rest of the industry.
  • FG's Return On Invested Capital of 0.65% is on the low side compared to the rest of the industry. FG is outperformed by 64.00% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for FG is significantly below the industry average of 15.13%.
Industry RankSector Rank
ROA 0.46%
ROE 9.27%
ROIC 0.65%
ROA(3y)0.51%
ROA(5y)0.57%
ROE(3y)11.29%
ROE(5y)9.72%
ROIC(3y)0.65%
ROIC(5y)N/A
FG Yearly ROA, ROE, ROICFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 5 10 15

1.3 Margins

  • FG has a Profit Margin (8.06%) which is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of FG has declined.
  • FG has a Operating Margin of 13.25%. This is comparable to the rest of the industry: FG outperforms 54.67% of its industry peers.
  • In the last couple of years the Operating Margin of FG has declined.
Industry RankSector Rank
OM 13.25%
PM (TTM) 8.06%
GM N/A
OM growth 3Y-17.37%
OM growth 5Y-8.02%
PM growth 3Y-21%
PM growth 5Y-11.75%
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 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FG is destroying value.
  • FG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FG Yearly Shares OutstandingFG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 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 20B 40B 60B 80B

2.2 Solvency

  • Based on the Altman-Z score of 0.12, we must say that FG is in the distress zone and has some risk of bankruptcy.
  • The Altman-Z score of FG (0.12) is better than 70.67% of its industry peers.
  • FG has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
  • FG's Debt to FCF ratio of 0.46 is amongst the best of the industry. FG outperforms 81.33% of its industry peers.
  • FG has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
  • FG has a worse Debt to Equity ratio (0.46) than 65.33% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for FG, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 0.46
Altman-Z 0.12
ROIC/WACC0.09
WACC7.49%
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 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.
  • With a decent Current ratio value of 0.39, FG is doing good in the industry, outperforming 72.67% of the companies in the same industry.
  • A Quick Ratio of 0.39 indicates that FG may have some problems paying its short term obligations.
  • FG has a Quick ratio of 0.39. This is in the better half of the industry: FG outperforms 72.67% 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 2B 4B 6B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • FG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.02%.
EPS 1Y (TTM)-15.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-18.75%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%

3.2 Future

  • FG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.83% yearly.
  • The Revenue is expected to grow by 10.67% on average over the next years. This is quite good.
EPS Next Y61.37%
EPS Next 2Y36.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.46%
Revenue Next 2Y10.67%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

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 2 4 6

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.60, the valuation of FG can be described as very cheap.
  • Based on the Price/Earnings ratio, FG is valued a bit cheaper than 79.33% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.99, FG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.09, the valuation of FG can be described as very cheap.
  • FG's Price/Forward Earnings ratio is rather cheap when compared to the industry. FG is cheaper than 84.00% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.02. FG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 6.6
Fwd PE 4.09
FG Price Earnings VS Forward Price EarningsFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • 90.67% 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 98.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.67
EV/EBITDA 2.52
FG Per share dataFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • FG's 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 36.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y36.83%
EPS Next 3YN/A

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

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 7.59%, FG is a good candidate for dividend investing.
  • FG's Dividend Yield is rather good when compared to the industry average which is at 2.58. FG pays more dividend than 92.67% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.81, FG pays a better dividend.
Industry RankSector Rank
Dividend Yield 7.59%

5.2 History

  • FG has been paying a dividend for over 5 years, so it has already some track record.
  • FG has decreased its dividend recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
FG Yearly Dividends per shareFG Yearly Dividends per shareYearly Dividends per share 2019 2020 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 29.31% of the earnings are spent on dividend by FG. This is a low number and sustainable payout ratio.
DP29.31%
EPS Next 2Y36.83%
EPS Next 3YN/A
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 0 2B 4B
FG Dividend Payout.FG Dividend Payout, showing the Payout Ratio.FG Dividend Payout.PayoutRetained Earnings

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F&G ANNUITIES & LIFE INC

NYSE:FG (2/23/2026, 12:08:46 PM)

23.91

-1.57 (-6.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners95.99%
Inst Owner Change0%
Ins Owners2.4%
Ins Owner Change-16.21%
Market Cap3.22B
Revenue(TTM)N/A
Net Income(TTM)447.00M
Analysts42
Price Target32.64 (36.51%)
Short Float %1.02%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 7.59%
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP29.31%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)26.36%
Min EPS beat(2)21.8%
Max EPS beat(2)30.92%
EPS beat(4)2
Avg EPS beat(4)3.95%
Min EPS beat(4)-27.3%
Max EPS beat(4)30.92%
EPS beat(8)3
Avg EPS beat(8)-5.36%
EPS beat(12)4
Avg EPS beat(12)-6.88%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)14.7%
Min Revenue beat(2)12.08%
Max Revenue beat(2)17.31%
Revenue beat(4)3
Avg Revenue beat(4)0.6%
Min Revenue beat(4)-40.15%
Max Revenue beat(4)17.31%
Revenue beat(8)6
Avg Revenue beat(8)6.89%
Revenue beat(12)8
Avg Revenue beat(12)3.79%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-5.88%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.27%
EPS NY rev (1m)0%
EPS NY rev (3m)6.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.5%
Valuation
Industry RankSector Rank
PE 6.6
Fwd PE 4.09
P/S 0.58
P/FCF 0.67
P/OCF 0.67
P/B 0.67
P/tB N/A
EV/EBITDA 2.52
EPS(TTM)3.62
EY15.14%
EPS(NY)5.84
Fwd EY24.43%
FCF(TTM)35.77
FCFY149.62%
OCF(TTM)35.9
OCFY150.15%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)0.11
PEG (5Y)N/A
Graham Number54.03
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 9.27%
ROCE 0.79%
ROIC 0.65%
ROICexc 0.66%
ROICexgc 0.94%
OM 13.25%
PM (TTM) 8.06%
GM N/A
FCFM 86.82%
ROA(3y)0.51%
ROA(5y)0.57%
ROE(3y)11.29%
ROE(5y)9.72%
ROIC(3y)0.65%
ROIC(5y)N/A
ROICexc(3y)0.67%
ROICexc(5y)N/A
ROICexgc(3y)0.83%
ROICexgc(5y)N/A
ROCE(3y)0.79%
ROCE(5y)N/A
ROICexgc growth 3Y-16.01%
ROICexgc growth 5YN/A
ROICexc growth 3Y-22.32%
ROICexc growth 5YN/A
OM growth 3Y-17.37%
OM growth 5Y-8.02%
PM growth 3Y-21%
PM growth 5Y-11.75%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 0.46
Debt/EBITDA 1.62
Cap/Depr 2.64%
Cap/Sales 0.31%
Interest Coverage 5.14
Cash Conversion 350.73%
Profit Quality 1077.4%
Current Ratio 0.39
Quick Ratio 0.39
Altman-Z 0.12
F-Score7
WACC7.49%
ROIC/WACC0.09
Cap/Depr(3y)6.83%
Cap/Depr(5y)13.24%
Cap/Sales(3y)0.8%
Cap/Sales(5y)1.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-18.75%
EPS Next Y61.37%
EPS Next 2Y36.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%
Revenue Next Year13.46%
Revenue Next 2Y10.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y562.16%
EBIT growth 3Y-6.3%
EBIT growth 5Y14.97%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.09%
FCF growth 3Y48.14%
FCF growth 5Y56.47%
OCF growth 1Y-1.29%
OCF growth 3Y47.46%
OCF growth 5Y55.87%

F&G ANNUITIES & LIFE INC / FG 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.


What is the profitability of FG stock?

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


What are the PE and PB ratios of F&G ANNUITIES & LIFE INC (FG) stock?

The Price/Earnings (PE) ratio for F&G ANNUITIES & LIFE INC (FG) is 6.6 and the Price/Book (PB) ratio is 0.67.


Is the dividend of F&G ANNUITIES & LIFE INC sustainable?

The dividend rating of F&G ANNUITIES & LIFE INC (FG) is 6 / 10 and the dividend payout ratio is 29.31%.