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

NYSE:FG • US30190A1043

28.28 USD
+0.07 (+0.25%)
Last: Feb 13, 2026, 02:53 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FG scores 4 out of 10 in our fundamental rating. FG was compared to 149 industry peers in the Insurance industry. FG scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FG may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • FG had positive earnings in the past year.
  • In the past year FG had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: FG reported negative net income in multiple 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 0 2B 4B

1.2 Ratios

  • FG's Return On Assets of 0.46% is on the low side compared to the rest of the industry. FG is outperformed by 74.50% of its industry peers.
  • FG has a Return On Equity of 9.27%. This is comparable to the rest of the industry: FG outperforms 44.97% of its industry peers.
  • FG has a Return On Invested Capital of 0.65%. This is in the lower half of the industry: FG underperforms 66.44% of its industry peers.
  • FG had an Average Return On Invested Capital over the past 3 years of 0.65%. This is significantly below the industry average of 14.88%.
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

  • With a Profit Margin value of 8.06%, FG perfoms like the industry average, outperforming 50.34% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FG has declined.
  • The Operating Margin of FG (13.25%) is comparable to the rest of the industry.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FG is destroying value.
  • Compared to 1 year ago, FG has more shares outstanding
  • The debt/assets ratio for FG is higher compared to a year ago.
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

  • 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.
  • FG has a better Altman-Z score (0.12) than 71.81% of its industry peers.
  • The Debt to FCF ratio of FG is 0.46, which is an excellent value as it means it would take FG, only 0.46 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FG (0.46) is better than 81.21% 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.
  • With a Debt to Equity ratio value of 0.46, FG is not doing good in the industry: 65.77% of the companies in the same industry are doing better.
  • 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
WACC7.63%
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.
  • FG has a Current ratio of 0.39. This is in the better half of the industry: FG outperforms 73.15% 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 Quick ratio of 0.39. This is in the better half of the industry: FG outperforms 73.15% 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

More info and screens

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

5

3. Growth

3.1 Past

  • FG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.41%.
  • FG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.33% yearly.
  • FG shows a decrease in Revenue. In the last year, the revenue decreased by -2.94%.
  • Measured over the past years, FG shows a very strong growth in Revenue. The Revenue has been growing by 24.99% on average per year.
EPS 1Y (TTM)2.41%
EPS 3Y-11.8%
EPS 5Y9.33%
EPS Q2Q%0%
Revenue 1Y (TTM)-2.94%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%17.31%

3.2 Future

  • Based on estimates for the next years, FG will show a quite strong growth in Earnings Per Share. The EPS will grow by 16.74% on average per year.
  • Based on estimates for the next years, FG will show a small growth in Revenue. The Revenue will grow by 7.12% on average per year.
EPS Next Y-5.44%
EPS Next 2Y17.1%
EPS Next 3Y16.74%
EPS Next 5YN/A
Revenue Next Year0.37%
Revenue Next 2Y6.71%
Revenue Next 3Y7.12%
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.
  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • FG is valuated cheaply with a Price/Earnings ratio of 7.38.
  • FG's Price/Earnings ratio is a bit cheaper when compared to the industry. FG is cheaper than 77.85% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FG to the average of the S&P500 Index (27.67), we can say FG is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 4.84, the valuation of FG can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FG indicates a rather cheap valuation: FG is cheaper than 83.22% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.69. FG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.38
Fwd PE 4.84
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

  • Based on the Enterprise Value to EBITDA ratio, FG is valued cheaper than 89.93% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FG indicates a rather cheap valuation: FG is cheaper than 97.32% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.79
EV/EBITDA 2.79
FG Per share dataFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • A more expensive valuation may be justified as FG's earnings are expected to grow with 16.74% in the coming years.
PEG (NY)N/A
PEG (5Y)0.79
EPS Next 2Y17.1%
EPS Next 3Y16.74%

More info and screens

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

5

5. Dividend

5.1 Amount

  • FG has a Yearly Dividend Yield of 3.31%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.18, FG pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, FG pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.31%

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 2Y17.1%
EPS Next 3Y16.74%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

F&G ANNUITIES & LIFE INC

NYSE:FG (2/13/2026, 2:53:05 PM)

28.28

+0.07 (+0.25%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-19
Inst Owners95.99%
Inst Owner Change0%
Ins Owners2.4%
Ins Owner Change-16.17%
Market Cap3.81B
Revenue(TTM)5.55B
Net Income(TTM)447.00M
Analysts42
Price Target32.64 (15.42%)
Short Float %0.64%
Short Ratio1.26
Dividend
Industry RankSector Rank
Dividend Yield 3.31%
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)-5.88%
PT rev (3m)-5.88%
EPS NQ rev (1m)-10.29%
EPS NQ rev (3m)-1.39%
EPS NY rev (1m)-3.55%
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 7.38
Fwd PE 4.84
P/S 0.69
P/FCF 0.79
P/OCF 0.79
P/B 0.79
P/tB N/A
EV/EBITDA 2.79
EPS(TTM)3.83
EY13.54%
EPS(NY)5.84
Fwd EY20.66%
FCF(TTM)35.77
FCFY126.5%
OCF(TTM)35.9
OCFY126.95%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)N/A
PEG (5Y)0.79
Graham Number55.57
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
WACC7.63%
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)2.41%
EPS 3Y-11.8%
EPS 5Y9.33%
EPS Q2Q%0%
EPS Next Y-5.44%
EPS Next 2Y17.1%
EPS Next 3Y16.74%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.94%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%17.31%
Revenue Next Year0.37%
Revenue Next 2Y6.71%
Revenue Next 3Y7.12%
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 7 / 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 7.38 and the Price/Book (PB) ratio is 0.79.


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

The dividend rating of F&G ANNUITIES & LIFE INC (FG) is 5 / 10 and the dividend payout ratio is 29.31%.