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

  • In the past year FG was profitable.
  • FG had a positive operating cash flow in the past year.
  • FG had positive earnings in 4 of the past 5 years.
  • FG had a positive operating cash flow in each 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 2025 0 2B 4B

1.2 Ratios

  • FG has a Return On Assets of 0.25%. This is amonst the worse of the industry: FG underperforms 80.95% of its industry peers.
  • With a Return On Equity value of 5.16%, FG is not doing good in the industry: 74.15% of the companies in the same industry are doing better.
  • Looking at the Return On Invested Capital, with a value of 0.42%, FG is doing worse than 68.71% of the companies in the same industry.
  • 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

  • FG has a worse Profit Margin (4.31%) than 72.11% of its industry peers.
  • In the last couple of years the Profit Margin of FG has declined.
  • With a Operating Margin value of 8.47%, FG is not doing good in the industry: 68.71% of the companies in the same industry are doing better.
  • 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
  • FG has a better debt/assets ratio than last year.
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.
  • With a decent Altman-Z score value of 0.12, FG is doing good in the industry, outperforming 69.39% of the companies in the same industry.
  • 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.
  • With a decent Debt to FCF ratio value of 0.48, FG is doing good in the industry, outperforming 78.91% of the companies in the same industry.
  • A Debt/Equity ratio of 0.47 indicates that FG is not too dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.47, FG is doing worse than 68.71% of the companies in the same industry.
  • 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 0.47
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.
  • Looking at the Current ratio, with a value of 0.39, FG is in the better half of the industry, outperforming 72.11% 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.
  • Looking at the Quick ratio, with a value of 0.39, FG is in the better half of the industry, outperforming 72.11% of the companies in the same industry.
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.
  • Looking at the last year, FG shows a decrease in Revenue. The Revenue has decreased by -0.45% in the last year.
  • The Revenue has been growing by 32.79% on average over the past years. This is a very strong growth!
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

  • FG is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.86% yearly.
  • 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

  • A Price/Earnings ratio of 7.90 indicates a rather cheap valuation of FG.
  • Based on the Price/Earnings ratio, FG is valued a bit cheaper than 68.71% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.64. FG is valued rather cheaply when compared to this.
  • A Price/Forward Earnings ratio of 4.94 indicates a rather cheap valuation of FG.
  • Based on the Price/Forward Earnings ratio, FG is valued cheaper than 82.31% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 21.36. FG is valued rather cheaply when compared to this.
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

  • Based on the Enterprise Value to EBITDA ratio, FG is valued cheaply inside the industry as 81.63% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, FG is valued cheaper than 95.92% of the companies in the same industry.
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.
  • A more expensive valuation may be justified as FG's earnings are expected to grow with 28.86% in the coming years.
PEG (NY)0.13
PEG (5Y)N/A
EPS Next 2Y37.02%
EPS Next 3Y28.86%

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4

5. FG Dividend Analysis

5.1 Amount

  • FG has a Yearly Dividend Yield of 3.28%.
  • 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 Strength40.99
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%.