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COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis

NYSE:CRBG - New York Stock Exchange, Inc. - US21871X1090 - Common Stock - Currency: USD

35.63  +0.62 (+1.77%)

After market: 35.63 0 (0%)

Fundamental Rating

4

Overall CRBG gets a fundamental rating of 4 out of 10. We evaluated CRBG against 100 industry peers in the Financial Services industry. CRBG may be in some trouble as it scores bad on both profitability and health. CRBG is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

CRBG had positive earnings in the past year.
CRBG had a positive operating cash flow in the past year.
Each year in the past 5 years CRBG has been profitable.
CRBG had a positive operating cash flow in each of the past 5 years.
CRBG Yearly Net Income VS EBIT VS OCF VS FCFCRBG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B 10B

1.2 Ratios

CRBG has a worse Return On Assets (0.18%) than 71.00% of its industry peers.
CRBG has a Return On Equity of 5.74%. This is in the lower half of the industry: CRBG underperforms 62.00% of its industry peers.
With a Return On Invested Capital value of 0.43%, CRBG is not doing good in the industry: 69.00% of the companies in the same industry are doing better.
CRBG had an Average Return On Invested Capital over the past 3 years of 1.08%. This is significantly below the industry average of 11.85%.
Industry RankSector 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%
CRBG Yearly ROA, ROE, ROICCRBG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 20 40 60 80

1.3 Margins

CRBG has a worse Profit Margin (4.41%) than 63.00% of its industry peers.
In the last couple of years the Profit Margin of CRBG has grown nicely.
With a Operating Margin value of 13.53%, CRBG perfoms like the industry average, outperforming 47.00% of the companies in the same industry.
CRBG's Operating Margin has improved in the last couple of years.
Industry RankSector 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
CRBG Yearly Profit, Operating, Gross MarginsCRBG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40

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2

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CRBG is destroying value.
CRBG has less shares outstanding than it did 1 year ago.
CRBG has less shares outstanding than it did 5 years ago.
The debt/assets ratio for CRBG is higher compared to a year ago.
CRBG Yearly Shares OutstandingCRBG Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 200M 400M 600M
CRBG Yearly Total Debt VS Total AssetsCRBG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

The Debt to FCF ratio of CRBG is 6.39, which is on the high side as it means it would take CRBG, 6.39 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 6.39, CRBG perfoms like the industry average, outperforming 59.00% of the companies in the same industry.
CRBG 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, CRBG perfoms like the industry average, outperforming 45.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.03
Debt/FCF 6.39
Altman-Z N/A
ROIC/WACC0.05
WACC7.75%
CRBG Yearly LT Debt VS Equity VS FCFCRBG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CRBG Yearly Current Assets VS Current LiabilitesCRBG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2B 4B 6B 8B

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 15.84% over the past year.
CRBG shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 115.54% yearly.
Looking at the last year, CRBG shows a very negative growth in Revenue. The Revenue has decreased by -20.43% in the last year.
Measured over the past years, CRBG shows a quite strong growth in Revenue. The Revenue has been growing by 8.01% on average per year.
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%-19.08%

3.2 Future

The Earnings Per Share is expected to grow by 11.37% on average over the next years. This is quite good.
Based on estimates for the next years, CRBG will show a small growth in Revenue. The Revenue will grow by 2.76% on average per year.
EPS Next Y2.3%
EPS Next 2Y8.68%
EPS Next 3Y11.04%
EPS Next 5Y11.37%
Revenue Next Year-1.13%
Revenue Next 2Y3.07%
Revenue Next 3Y2.16%
Revenue Next 5Y2.76%

3.3 Evolution

Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CRBG Yearly Revenue VS EstimatesCRBG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B 20B 25B
CRBG Yearly EPS VS EstimatesCRBG Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2028 2 4 6

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6

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.27, which indicates a rather cheap valuation of CRBG.
Based on the Price/Earnings ratio, CRBG is valued cheaper than 85.00% of the companies in the same industry.
CRBG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.04.
A Price/Forward Earnings ratio of 6.23 indicates a rather cheap valuation of CRBG.
CRBG's Price/Forward Earnings ratio is rather cheap when compared to the industry. CRBG is cheaper than 81.00% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 37.64. CRBG is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 7.27
Fwd PE 6.23
CRBG Price Earnings VS Forward Price EarningsCRBG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

62.00% of the companies in the same industry are more expensive than CRBG, based on the Enterprise Value to EBITDA ratio.
74.00% of the companies in the same industry are more expensive than CRBG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10.16
EV/EBITDA 12.9
CRBG Per share dataCRBG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20 25

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.16
PEG (5Y)0.06
EPS Next 2Y8.68%
EPS Next 3Y11.04%

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3

5. Dividend

5.1 Amount

CRBG has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.58, CRBG pays a bit more dividend than its industry peers.
CRBG's Dividend Yield is comparable with the S&P500 average which is at 2.31.
Industry RankSector Rank
Dividend Yield 2.72%

5.2 History

CRBG has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
CRBG Yearly Dividends per shareCRBG Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.5 1 1.5 2 2.5

5.3 Sustainability

77.62% of the earnings are spent on dividend by CRBG. This is not a sustainable payout ratio.
DP77.62%
EPS Next 2Y8.68%
EPS Next 3Y11.04%
CRBG Yearly Income VS Free CF VS DividendCRBG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 2B 4B 6B 8B
CRBG Dividend Payout.CRBG Dividend Payout, showing the Payout Ratio.CRBG Dividend Payout.PayoutRetained Earnings

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COREBRIDGE FINANCIAL INC

NYSE:CRBG (7/25/2025, 8:04:00 PM)

After market: 35.63 0 (0%)

35.63

+0.62 (+1.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-05 2025-05-05/amc
Earnings (Next)08-04 2025-08-04/bmo
Inst Owners90.71%
Inst Owner Change0.05%
Ins Owners0.34%
Ins Owner Change-5.51%
Market Cap19.59B
Analysts78.1
Price Target40.97 (14.99%)
Short Float %1.33%
Short Ratio2.02
Dividend
Industry RankSector Rank
Dividend Yield 2.72%
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP77.62%
Div Incr Years0
Div Non Decr Years0
Ex-Date06-16 2025-06-16 (0.24)
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)4
Avg Revenue beat(8)-2.25%
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)11.83%
PT rev (3m)2.99%
EPS NQ rev (1m)-2.99%
EPS NQ rev (3m)-7.72%
EPS NY rev (1m)-2.62%
EPS NY rev (3m)-3.07%
Revenue NQ rev (1m)0.12%
Revenue NQ rev (3m)-4.21%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)-6.24%
Valuation
Industry RankSector Rank
PE 7.27
Fwd PE 6.23
P/S 1.25
P/FCF 10.16
P/OCF 10.16
P/B 1.63
P/tB 1.63
EV/EBITDA 12.9
EPS(TTM)4.9
EY13.75%
EPS(NY)5.72
Fwd EY16.04%
FCF(TTM)3.51
FCFY9.84%
OCF(TTM)3.51
OCFY9.84%
SpS28.41
BVpS21.79
TBVpS21.79
PEG (NY)3.16
PEG (5Y)0.06
Profitability
Industry RankSector 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 RankSector 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
WACC7.75%
ROIC/WACC0.05
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 Y2.3%
EPS Next 2Y8.68%
EPS Next 3Y11.04%
EPS Next 5Y11.37%
Revenue 1Y (TTM)-20.43%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%-19.08%
Revenue Next Year-1.13%
Revenue Next 2Y3.07%
Revenue Next 3Y2.16%
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%