F&G ANNUITIES & LIFE INC (FG) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FG - US30190A1043 - Common Stock
31.03 USD
-0.12 (-0.39%)
Overall FG gets a fundamental rating of 4 out of 10. We evaluated FG against 148 industry peers in the Insurance industry. The financial health of FG is average, but there are quite some concerns on its profitability. FG scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
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.
In the past 5 years FG always reported a positive cash flow from operatings.
1.2 Ratios
FG has a Return On Assets of 0.46%. This is in the lower half of the industry: FG underperforms 75.68% of its industry peers.
FG has a Return On Equity (9.27%) which is in line with its industry peers.
Looking at the Return On Invested Capital, with a value of 0.65%, FG is doing worse than 66.89% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for FG is significantly below the industry average of 14.88%.
| 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
FG's Profit Margin of 8.06% is in line compared to the rest of the industry. FG outperforms 49.32% of its industry peers.
FG's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 13.25%, FG is in line with its industry, outperforming 53.38% of the companies in the same 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FG is destroying value.
The number of shares outstanding for FG has been increased compared to 1 year ago.
Compared to 1 year ago, FG has a worse debt to assets ratio.
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.
Looking at the Altman-Z score, with a value of 0.13, FG is in the better half of the industry, outperforming 67.57% of the companies in the same industry.
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.
The Debt to FCF ratio of FG (0.46) is better than 81.08% of its industry peers.
A Debt/Equity ratio of 0.46 indicates that FG is not too dependend on debt financing.
FG has a Debt to Equity ratio of 0.46. This is in the lower half of the industry: FG underperforms 66.89% of its industry peers.
Although FG does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | 0.13 |
ROIC/WACC0.08
WACC7.7%
2.3 Liquidity
A Current Ratio of 0.39 indicates that FG may have some problems paying its short term obligations.
With a decent Current ratio value of 0.39, FG is doing good in the industry, outperforming 70.95% of the companies in the same industry.
FG has a Quick 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 Quick 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.
| 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%.
Measured over the past years, FG shows a quite strong growth in Earnings Per Share. The EPS has been growing by 9.33% on average per year.
Looking at the last year, FG shows a decrease in Revenue. The Revenue has decreased by -2.94% in the last year.
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
The Earnings Per Share is expected to grow by 16.74% on average over the next years. This is quite good.
FG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.12% yearly.
EPS Next Y-1.96%
EPS Next 2Y16.88%
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
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.10, the valuation of FG can be described as reasonable.
Based on the Price/Earnings ratio, FG is valued a bit cheaper than the industry average as 74.32% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FG to the average of the S&P500 Index (26.39), we can say FG is valued rather cheaply.
With a Price/Forward Earnings ratio of 5.33, the valuation of FG can be described as very cheap.
Based on the Price/Forward Earnings ratio, FG is valued cheaply inside the industry as 82.43% of the companies are valued more expensively.
FG's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.1 | ||
| Fwd PE | 5.33 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FG indicates a rather cheap valuation: FG is cheaper than 89.19% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, FG is valued cheaply inside the industry as 96.62% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.87 | ||
| EV/EBITDA | 3.08 |
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)0.87
EPS Next 2Y16.88%
EPS Next 3Y16.74%
5. Dividend
5.1 Amount
FG has a Yearly Dividend Yield of 2.76%.
Compared to an average industry Dividend Yield of 2.30, FG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 1.87, FG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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
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 2Y16.88%
EPS Next 3Y16.74%
NYSE:FG (12/22/2025, 9:39:10 AM)
31.03
-0.12 (-0.39%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.99%
Inst Owner Change0%
Ins Owners2.47%
Ins Owner Change0.47%
Market Cap4.18B
Revenue(TTM)5.55B
Net Income(TTM)447.00M
Analysts42
Price Target34.68 (11.76%)
Short Float %0.65%
Short Ratio4.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.76% |
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)0%
PT rev (3m)-11.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.92%
EPS NY rev (1m)10.04%
EPS NY rev (3m)8.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.34%
Revenue NY rev (1m)7.5%
Revenue NY rev (3m)7.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.1 | ||
| Fwd PE | 5.33 | ||
| P/S | 0.75 | ||
| P/FCF | 0.87 | ||
| P/OCF | 0.86 | ||
| P/B | 0.87 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.08 |
EPS(TTM)3.83
EY12.34%
EPS(NY)5.82
Fwd EY18.75%
FCF(TTM)35.77
FCFY115.29%
OCF(TTM)35.9
OCFY115.7%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)N/A
PEG (5Y)0.87
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
WACC7.7%
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-1.96%
EPS Next 2Y16.88%
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 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 -1.96% 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%.