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

USA • New York Stock Exchange • NYSE:FG • US30190A1043

27.53 USD
-0.68 (-2.41%)
At close: Feb 5, 2026
27.53 USD
0 (0%)
After Hours: 2/5/2026, 8:24:55 PM
Fundamental Rating

4

FG gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 147 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!


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year FG was profitable.
  • FG had a positive operating cash flow in the past year.
  • 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.
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

  • Looking at the Return On Assets, with a value of 0.46%, FG is doing worse than 75.51% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 9.27%, FG is in line with its industry, outperforming 44.22% of the companies in the same industry.
  • FG has a worse Return On Invested Capital (0.65%) than 66.67% 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 14.94%.
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 of 8.06%. This is comparable to the rest of the industry: FG outperforms 49.66% 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 53.74% of the companies in the same industry.
  • FG's Operating Margin has declined in the last couple of years.
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

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.
  • 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.
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.
  • Looking at the Altman-Z score, with a value of 0.12, FG is in the better half of the industry, outperforming 70.75% 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.
  • FG's Debt to FCF ratio of 0.46 is amongst the best of the industry. FG outperforms 80.95% 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: 66.67% 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/WACC0.08
WACC7.69%
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

  • 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 72.79% 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.
  • FG has a better Quick ratio (0.39) than 72.79% 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

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 2.41% over the past year.
  • 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%.
  • 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 16.74% yearly.
  • 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

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.19, the valuation of FG can be described as very cheap.
  • 76.19% of the companies in the same industry are more expensive than FG, based on the Price/Earnings ratio.
  • FG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.67.
  • The Price/Forward Earnings ratio is 4.71, which indicates a rather cheap valuation of FG.
  • Based on the Price/Forward Earnings ratio, FG is valued cheaper than 83.67% of the companies in the same industry.
  • FG is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.20, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.19
Fwd PE 4.71
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

  • 88.44% 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 97.28% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.77
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)0.77
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 3.10%.
  • FG's Dividend Yield is a higher than the industry average which is at 2.24.
  • FG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.1%

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
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

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F&G ANNUITIES & LIFE INC

NYSE:FG (2/5/2026, 8:24:55 PM)

After market: 27.53 0 (0%)

27.53

-0.68 (-2.41%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06
Earnings (Next)02-25
Inst Owners95.99%
Inst Owner Change0%
Ins Owners2.4%
Ins Owner Change-16.17%
Market Cap3.71B
Revenue(TTM)5.55B
Net Income(TTM)447.00M
Analysts42
Price Target32.64 (18.56%)
Short Float %0.64%
Short Ratio1.26
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
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)-16.88%
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 7.19
Fwd PE 4.71
P/S 0.67
P/FCF 0.77
P/OCF 0.77
P/B 0.77
P/tB N/A
EV/EBITDA 2.79
EPS(TTM)3.83
EY13.91%
EPS(NY)5.84
Fwd EY21.22%
FCF(TTM)35.77
FCFY129.95%
OCF(TTM)35.9
OCFY130.41%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)N/A
PEG (5Y)0.77
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
WACC7.69%
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-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 7.19 and the Price/Book (PB) ratio is 0.77.


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%.