F&G ANNUITIES & LIFE INC (FG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FG - US30190A1043 - Common Stock
32.2705 USD
-0.13 (-0.4%)
FG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 148 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 is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
In the past year FG was profitable.
FG had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FG reported negative net income in multiple years.
FG had a positive operating cash flow in each of the past 5 years.
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 77.03% 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 66.22% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FG is below the industry average of 4.57%.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of FG (8.06%) is comparable to the rest of the industry.
FG's Profit Margin has declined in the last couple of years.
FG has a Operating Margin (13.25%) which is comparable to the rest of the industry.
FG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
FG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
2.2 Solvency
Based on the Altman-Z score of 0.13, we must say that FG is in the distress zone and has some risk of bankruptcy.
With a decent Altman-Z score value of 0.13, FG is doing good in the industry, outperforming 65.54% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 0.46, FG belongs to the top of the industry, outperforming 80.41% of the companies in the same industry.
FG has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FG (0.46) is worse than 66.89% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.08
WACC7.68%
2.3 Liquidity
A Current Ratio of 0.39 indicates that FG may have some problems paying 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 70.95% 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 70.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.39 | ||
| Quick Ratio | 0.39 |
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%.
The Earnings Per Share has been growing by 9.33% on average over the past years. This is quite good.
FG shows a decrease in Revenue. In the last year, the revenue decreased by -2.94%.
FG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.99% yearly.
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
FG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 17.27% yearly.
The Revenue is expected to grow by 5.70% on average over the next years.
EPS Next Y-10.9%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
EPS Next 5YN/A
Revenue Next Year-6.63%
Revenue Next 2Y5.7%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last 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 8.43, the valuation of FG can be described as very reasonable.
68.92% of the companies in the same industry are more expensive than FG, based on the Price/Earnings ratio.
FG is valuated cheaply when we compare the Price/Earnings ratio to 26.15, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 5.53, the valuation of FG can be described as very cheap.
Based on the Price/Forward Earnings ratio, FG is valued a bit cheaper than 79.73% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FG to the average of the S&P500 Index (36.22), we can say FG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 5.53 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FG is valued cheaper than 86.49% of the companies in the same industry.
95.95% of the companies in the same industry are more expensive than FG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.9 | ||
| EV/EBITDA | 3.2 |
4.3 Compensation for Growth
A more expensive valuation may be justified as FG's earnings are expected to grow with 17.27% in the coming years.
PEG (NY)N/A
PEG (5Y)0.9
EPS Next 2Y17.03%
EPS Next 3Y17.27%
5. Dividend
5.1 Amount
FG has a Yearly Dividend Yield of 2.81%. 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 3.32.
FG's Dividend Yield is a higher than the S&P500 average which is at 2.32.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
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 recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
FG pays out 29.31% of its income as dividend. This is a sustainable payout ratio.
DP29.31%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
NYSE:FG (12/3/2025, 9:32:03 AM)
32.2705
-0.13 (-0.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.9%
Inst Owner Change0%
Ins Owners2%
Ins Owner Change0.57%
Market Cap4.34B
Revenue(TTM)5.55B
Net Income(TTM)447.00M
Analysts42
Price Target34.68 (7.47%)
Short Float %0.51%
Short Ratio3.92
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP29.31%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)-11.69%
PT rev (3m)-11.69%
EPS NQ rev (1m)9.92%
EPS NQ rev (3m)9.92%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.34%
Revenue NQ rev (1m)6.34%
Revenue NQ rev (3m)6.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.43 | ||
| Fwd PE | 5.53 | ||
| P/S | 0.78 | ||
| P/FCF | 0.9 | ||
| P/OCF | 0.9 | ||
| P/B | 0.9 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.2 |
EPS(TTM)3.83
EY11.87%
EPS(NY)5.83
Fwd EY18.08%
FCF(TTM)35.77
FCFY110.86%
OCF(TTM)35.9
OCFY111.25%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)N/A
PEG (5Y)0.9
Graham Number55.57
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 0.13 |
F-Score7
WACC7.68%
ROIC/WACC0.08
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-10.9%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.94%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%17.31%
Revenue Next Year-6.63%
Revenue Next 2Y5.7%
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 for 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.
Can you provide the expected EPS growth for FG stock?
The Earnings per Share (EPS) of F&G ANNUITIES & LIFE INC (FG) is expected to decline by -10.9% in the next year.
Is the dividend of F&G ANNUITIES & LIFE INC sustainable?
The dividend rating of F&G ANNUITIES & LIFE INC (FG) is 4 / 10 and the dividend payout ratio is 29.31%.