COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64 (CRBD) Stock Fundamental Analysis
NYSE:CRBD - New York Stock Exchange, Inc. - US21871X2080 - Currency: USD
CRBD gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 99 industry peers in the Financial Services industry. CRBD may be in some trouble as it scores bad on both profitability and health. 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.
CRBD had positive earnings in each of the past 5 years.
Each year in the past 5 years CRBD had a positive operating cash flow.
1.2 Ratios
CRBD's Return On Assets of 0.18% is on the low side compared to the rest of the industry. CRBD is outperformed by 70.71% of its industry peers.
CRBD has a worse Return On Equity (5.74%) than 61.62% of its industry peers.
CRBD has a worse Return On Invested Capital (0.43%) than 68.69% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for CRBD is significantly below the industry average of 11.83%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 5.74% | ||
| ROIC | 0.43% |
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 has a worse Profit Margin (4.41%) than 62.63% of its industry peers.
In the last couple of years the Profit Margin of CRBD has grown nicely.
Looking at the Operating Margin, with a value of 13.53%, CRBD is in line with its industry, outperforming 47.47% of the companies in the same industry.
CRBD's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.53% | ||
| PM (TTM) | 4.41% | ||
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CRBD is destroying value.
CRBD has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CRBD has less shares outstanding
Compared to 1 year ago, CRBD has a worse debt to assets ratio.
2.2 Solvency
CRBD has a debt to FCF ratio of 6.39. This is a slightly negative value and a sign of low solvency as CRBD would need 6.39 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.39, CRBD is in line with its industry, outperforming 59.60% of the companies in the same industry.
CRBD has a Debt/Equity ratio of 1.03. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.03, CRBD perfoms like the industry average, outperforming 46.46% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | 6.39 | ||
| Altman-Z | N/A |
ROIC/WACC0.07
WACC6.3%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 15.84% over the past year.
The Earnings Per Share has been growing by 115.54% on average over the past years. This is a very strong growth
Looking at the last year, CRBD shows a very negative growth in Revenue. The Revenue has decreased by -20.43% in the last year.
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)-20.43%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-15.62%
3.2 Future
Based on estimates for the next years, CRBD will show a quite strong growth in Earnings Per Share. The EPS will grow by 11.37% on average per year.
The Revenue is expected to grow by 2.76% on average over the next years.
EPS Next Y5.02%
EPS Next 2Y10.11%
EPS Next 3Y11.56%
EPS Next 5Y11.37%
Revenue Next Year-1.65%
Revenue Next 2Y2.9%
Revenue Next 3Y2.66%
Revenue Next 5Y2.76%
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.
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
The Price/Earnings ratio is 4.65, which indicates a rather cheap valuation of CRBD.
Compared to the rest of the industry, the Price/Earnings ratio of CRBD indicates a rather cheap valuation: CRBD is cheaper than 92.93% of the companies listed in the same industry.
CRBD is valuated cheaply when we compare the Price/Earnings ratio to 26.57, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 3.88 indicates a rather cheap valuation of CRBD.
Based on the Price/Forward Earnings ratio, CRBD is valued cheaper than 94.95% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.41, CRBD is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.65 | ||
| Fwd PE | 3.88 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CRBD is valued a bit cheaper than the industry average as 64.65% of the companies are valued more expensively.
88.89% of the companies in the same industry are more expensive than CRBD, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.5 | ||
| EV/EBITDA | 9.99 |
4.3 Compensation for Growth
CRBD's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.93
PEG (5Y)0.04
EPS Next 2Y10.11%
EPS Next 3Y11.56%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.91%, CRBD has a reasonable but not impressive dividend return.
CRBD's Dividend Yield is a higher than the industry average which is at 4.73.
Compared to an average S&P500 Dividend Yield of 2.40, CRBD pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
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 Years0
Div Non Decr Years0
5.3 Sustainability
CRBD pays out 77.62% of its income as dividend. This is not a sustainable payout ratio.
DP77.62%
EPS Next 2Y10.11%
EPS Next 3Y11.56%
COREBRIDGE FINANCIAL INC - CRBG 6 3/8 12/15/64
NYSE:CRBD (6/17/2025, 11:24:42 AM)
22.78
+0.14 (+0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners90.71%
Inst Owner ChangeN/A
Ins Owners0.34%
Ins Owner ChangeN/A
Market Cap12.54B
Analysts78.1
Price Target25.58 (12.29%)
Short Float %0.01%
Short Ratio0.41
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.91% |
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP77.62%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.1%
Min EPS beat(2)-0.44%
Max EPS beat(2)0.65%
EPS beat(4)3
Avg EPS beat(4)4.33%
Min EPS beat(4)-0.44%
Max EPS beat(4)15.87%
EPS beat(8)6
Avg EPS beat(8)4.1%
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)-13.39%
Min Revenue beat(2)-14.87%
Max Revenue beat(2)-11.92%
Revenue beat(4)0
Avg Revenue beat(4)-19.34%
Min Revenue beat(4)-28.97%
Max Revenue beat(4)-11.92%
Revenue beat(8)3
Avg Revenue beat(8)-10.31%
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)-8.4%
PT rev (3m)-10.65%
EPS NQ rev (1m)-0.37%
EPS NQ rev (3m)-8.54%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.55%
Revenue NQ rev (1m)-0.59%
Revenue NQ rev (3m)-5.68%
Revenue NY rev (1m)-2.68%
Revenue NY rev (3m)-8.31%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.65 | ||
| Fwd PE | 3.88 | ||
| P/S | 0.8 | ||
| P/FCF | 6.5 | ||
| P/OCF | 6.5 | ||
| P/B | 1.05 | ||
| P/tB | 1.05 | ||
| EV/EBITDA | 9.99 |
EPS(TTM)4.9
EY21.51%
EPS(NY)5.87
Fwd EY25.76%
FCF(TTM)3.5
FCFY15.38%
OCF(TTM)3.5
OCFY15.38%
SpS28.38
BVpS21.77
TBVpS21.77
PEG (NY)0.93
PEG (5Y)0.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.18% | ||
| ROE | 5.74% | ||
| ROCE | 0.54% | ||
| ROIC | 0.43% | ||
| ROICexc | 0.43% | ||
| ROICexgc | 0.62% | ||
| OM | 13.53% | ||
| PM (TTM) | 4.41% | ||
| GM | N/A | ||
| FCFM | 12.35% |
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 Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.03 | ||
| Debt/FCF | 6.39 | ||
| Debt/EBITDA | 5.28 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 3.59 | ||
| Cash Conversion | 82.71% | ||
| Profit Quality | 280.23% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC6.3%
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 Y5.02%
EPS Next 2Y10.11%
EPS Next 3Y11.56%
EPS Next 5Y11.37%
Revenue 1Y (TTM)-20.43%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-15.62%
Revenue Next Year-1.65%
Revenue Next 2Y2.9%
Revenue Next 3Y2.66%
Revenue Next 5Y2.76%
EBIT growth 1Y1.49%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-35.71%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-35.71%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%