COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64 (CRBD) Stock Fundamental Analysis
NYSE:CRBD - New York Stock Exchange, Inc. - US21871X2080 - Currency: USD
Overall CRBD gets a fundamental rating of 4 out of 10. We evaluated CRBD against 101 industry peers in the Financial Services industry. There are concerns on the financial health of CRBD while its profitability can be described as average. CRBD 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 CRBD was profitable.
In the past year CRBD had a positive cash flow from operations.
Each year in the past 5 years CRBD has been profitable.
CRBD had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.57%, CRBD is not doing good in the industry: 65.35% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 19.46%, CRBD belongs to the top of the industry, outperforming 82.18% of the companies in the same industry.
CRBD has a Return On Invested Capital of 0.64%. This is in the lower half of the industry: CRBD underperforms 66.34% of its industry peers.
CRBD had an Average Return On Invested Capital over the past 3 years of 1.08%. This is significantly below the industry average of 11.84%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 19.46% | ||
| ROIC | 0.64% |
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
ROIC(3y)1.08%
ROIC(5y)0.99%
1.3 Margins
CRBD's Profit Margin of 12.50% is in line compared to the rest of the industry. CRBD outperforms 57.43% of its industry peers.
CRBD's Profit Margin has improved in the last couple of years.
The Operating Margin of CRBD (17.77%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CRBD has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 17.77% | ||
| PM (TTM) | 12.5% | ||
| GM | N/A |
OM growth 3Y-19.8%
OM growth 5Y24.34%
PM growth 3Y-27.73%
PM growth 5Y97.88%
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 CRBD is destroying value.
CRBD has less shares outstanding than it did 1 year ago.
CRBD has less shares outstanding than it did 5 years ago.
CRBD has a worse debt/assets ratio than last year.
2.2 Solvency
CRBD has a debt to FCF ratio of 5.76. This is a neutral value as CRBD would need 5.76 years to pay back of all of its debts.
CRBD's Debt to FCF ratio of 5.76 is fine compared to the rest of the industry. CRBD outperforms 63.37% of its industry peers.
CRBD has a Debt/Equity ratio of 1.08. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.08, CRBD is in line with its industry, outperforming 44.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 5.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.07
WACC8.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CRBD shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 15.84%, which is quite good.
Measured over the past years, CRBD shows a very strong growth in Earnings Per Share. The EPS has been growing by 115.54% on average per year.
CRBD shows a decrease in Revenue. In the last year, the revenue decreased by -0.82%.
The Revenue has been growing by 8.01% on average over the past years. This is quite good.
EPS 1Y (TTM)15.84%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%5.45%
Revenue 1Y (TTM)-0.82%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-15.62%
3.2 Future
CRBD is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.56% yearly.
CRBD is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.89% yearly.
EPS Next Y5.54%
EPS Next 2Y9.99%
EPS Next 3Y11.01%
EPS Next 5Y11.56%
Revenue Next Year5.42%
Revenue Next 2Y5.5%
Revenue Next 3Y5.42%
Revenue Next 5Y5.89%
3.3 Evolution
The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past 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
CRBD is valuated cheaply with a Price/Earnings ratio of 4.85.
Based on the Price/Earnings ratio, CRBD is valued cheaper than 93.07% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 24.29. CRBD is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 4.06, the valuation of CRBD can be described as very cheap.
Based on the Price/Forward Earnings ratio, CRBD is valued cheaper than 96.04% of the companies in the same industry.
CRBD's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.42.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.85 | ||
| Fwd PE | 4.06 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CRBD is valued cheaply inside the industry as 82.18% of the companies are valued more expensively.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of CRBD indicates a rather cheap valuation: CRBD is cheaper than 90.10% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.1 | ||
| EV/EBITDA | 7.01 |
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.
PEG (NY)0.87
PEG (5Y)0.04
EPS Next 2Y9.99%
EPS Next 3Y11.01%
5. Dividend
5.1 Amount
CRBD has a Yearly Dividend Yield of 3.07%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.97, CRBD pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.43, CRBD pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
5.2 History
CRBD is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr YearsN/A
Div Non Decr YearsN/A
5.3 Sustainability
24.39% of the earnings are spent on dividend by CRBD. This is a low number and sustainable payout ratio.
DP24.39%
EPS Next 2Y9.99%
EPS Next 3Y11.01%
COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64
NYSE:CRBD (5/6/2025, 8:04:00 PM)
After market: 23.84 +0.09 (+0.38%)23.75
-0.1 (-0.42%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners91.45%
Inst Owner ChangeN/A
Ins Owners0.24%
Ins Owner ChangeN/A
Market Cap13.12B
Analysts78.1
Price Target27.93 (17.6%)
Short Float %0.01%
Short Ratio0.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP24.39%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)8.26%
Min EPS beat(2)0.65%
Max EPS beat(2)15.87%
EPS beat(4)4
Avg EPS beat(4)4.84%
Min EPS beat(4)0.65%
Max EPS beat(4)15.87%
EPS beat(8)7
Avg EPS beat(8)5.7%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-18.23%
Min Revenue beat(2)-21.6%
Max Revenue beat(2)-14.87%
Revenue beat(4)1
Avg Revenue beat(4)-16.07%
Min Revenue beat(4)-28.97%
Max Revenue beat(4)1.15%
Revenue beat(8)3
Avg Revenue beat(8)-10.4%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-1.42%
PT rev (3m)N/A
EPS NQ rev (1m)-4.67%
EPS NQ rev (3m)-11.29%
EPS NY rev (1m)-4.39%
EPS NY rev (3m)-8.22%
Revenue NQ rev (1m)-0.55%
Revenue NQ rev (3m)-7.29%
Revenue NY rev (1m)-1.47%
Revenue NY rev (3m)-5.16%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.85 | ||
| Fwd PE | 4.06 | ||
| P/S | 0.74 | ||
| P/FCF | 6.1 | ||
| P/OCF | 6.1 | ||
| P/B | 1.14 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | 7.01 |
EPS(TTM)4.9
EY20.63%
EPS(NY)5.85
Fwd EY24.65%
FCF(TTM)3.89
FCFY16.4%
OCF(TTM)3.89
OCFY16.4%
SpS32.31
BVpS20.75
TBVpS20.75
PEG (NY)0.87
PEG (5Y)0.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.57% | ||
| ROE | 19.46% | ||
| ROCE | 0.82% | ||
| ROIC | 0.64% | ||
| ROICexc | 0.64% | ||
| ROICexgc | 0.95% | ||
| OM | 17.77% | ||
| PM (TTM) | 12.5% | ||
| GM | N/A | ||
| FCFM | 12.05% |
ROA(3y)1.04%
ROA(5y)1.01%
ROE(3y)38.57%
ROE(5y)28.92%
ROIC(3y)1.08%
ROIC(5y)0.99%
ROICexc(3y)1.09%
ROICexc(5y)0.99%
ROICexgc(3y)1.62%
ROICexgc(5y)1.5%
ROCE(3y)1.38%
ROCE(5y)1.27%
ROICexcg growth 3Y-24.91%
ROICexcg growth 5YN/A
ROICexc growth 3Y-23.75%
ROICexc growth 5YN/A
OM growth 3Y-19.8%
OM growth 5Y24.34%
PM growth 3Y-27.73%
PM growth 5Y97.88%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.08 | ||
| Debt/FCF | 5.76 | ||
| Debt/EBITDA | 3.68 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 5.9 | ||
| Cash Conversion | 63.92% | ||
| Profit Quality | 96.46% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC8.61%
ROIC/WACC0.07
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)144.44%
Profit Quality(5y)197%
High Growth Momentum
Growth
EPS 1Y (TTM)15.84%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%5.45%
EPS Next Y5.54%
EPS Next 2Y9.99%
EPS Next 3Y11.01%
EPS Next 5Y11.56%
Revenue 1Y (TTM)-0.82%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-15.62%
Revenue Next Year5.42%
Revenue Next 2Y5.5%
Revenue Next 3Y5.42%
Revenue Next 5Y5.89%
EBIT growth 1Y232.5%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.87%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-35.87%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%