COREBRIDGE FINANCIAL INC (CRBG) Stock Fundamental Analysis
NYSE:CRBG - US21871X1090 - Common Stock
34.645 USD
-0.32 (-0.93%)
We assign a fundamental rating of 4 out of 10 to CRBG. CRBG was compared to 100 industry peers in the Financial Services industry. Both the profitability and financial health of CRBG have multiple concerns. CRBG has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year CRBG was profitable.
CRBG had a positive operating cash flow in the past year.
CRBG had positive earnings in each of the past 5 years.
In the past 5 years CRBG always reported a positive cash flow from operatings.
1.2 Ratios
CRBG's Return On Assets of -0.08% is on the low side compared to the rest of the industry. CRBG is outperformed by 75.00% of its industry peers.
Looking at the Return On Equity, with a value of -2.74%, CRBG is doing worse than 80.00% of the companies in the same industry.
CRBG's Return On Invested Capital of 0.20% is on the low side compared to the rest of the industry. CRBG is outperformed by 70.00% of its industry peers.
The Average Return On Invested Capital over the past 3 years for CRBG is significantly below the industry average of 7.81%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.08% | ||
| ROE | -2.74% | ||
| ROIC | 0.2% |
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
CRBG's Profit Margin has improved in the last couple of years.
CRBG's Operating Margin of 7.02% is on the low side compared to the rest of the industry. CRBG is outperformed by 63.00% of its industry peers.
CRBG's Operating Margin has improved in the last couple of years.
The Profit Margin and Gross Margin are not available for CRBG so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 7.02% | ||
| PM (TTM) | N/A | ||
| 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), 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.
2.2 Solvency
CRBG has a debt to FCF ratio of 6.76. This is a slightly negative value and a sign of low solvency as CRBG would need 6.76 years to pay back of all of its debts.
CRBG's Debt to FCF ratio of 6.76 is fine compared to the rest of the industry. CRBG outperforms 62.00% of its industry peers.
CRBG has a Debt/Equity ratio of 0.92. This is a neutral value indicating CRBG is somewhat dependend on debt financing.
CRBG has a Debt to Equity ratio of 0.92. This is comparable to the rest of the industry: CRBG outperforms 47.00% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.92 | ||
| Debt/FCF | 6.76 | ||
| Altman-Z | N/A |
ROIC/WACC0.03
WACC7.64%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CRBG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.75%, which is quite good.
Measured over the past years, CRBG shows a very strong growth in Earnings Per Share. The EPS has been growing by 115.54% on average per year.
The Revenue for CRBG has decreased by -16.47% in the past year. This is quite bad
CRBG shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.01% yearly.
EPS 1Y (TTM)18.75%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%20.35%
Revenue 1Y (TTM)-16.47%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%5.84%
3.2 Future
CRBG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.21% yearly.
Based on estimates for the next years, CRBG will show a small growth in Revenue. The Revenue will grow by 3.39% on average per year.
EPS Next Y4.1%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
EPS Next 5Y10.21%
Revenue Next Year-6.84%
Revenue Next 2Y-1.83%
Revenue Next 3Y-0.48%
Revenue Next 5Y3.39%
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
A Price/Earnings ratio of 6.75 indicates a rather cheap valuation of CRBG.
Compared to the rest of the industry, the Price/Earnings ratio of CRBG indicates a rather cheap valuation: CRBG is cheaper than 88.00% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.24. CRBG is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.05, the valuation of CRBG can be described as very cheap.
Based on the Price/Forward Earnings ratio, CRBG is valued cheaper than 86.00% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.81, CRBG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.75 | ||
| Fwd PE | 6.05 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as CRBG.
76.00% of the companies in the same industry are more expensive than CRBG, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.12 | ||
| EV/EBITDA | 22.76 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.65
PEG (5Y)0.06
EPS Next 2Y8.75%
EPS Next 3Y11.33%
5. Dividend
5.1 Amount
CRBG has a Yearly Dividend Yield of 2.81%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.27, CRBG pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.34, CRBG pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
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
5.3 Sustainability
The earnings of CRBG are negative and hence is the payout ratio. CRBG will probably not be able to sustain this dividend level.
DP-156.08%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
NYSE:CRBG (8/25/2025, 2:32:24 PM)
34.645
-0.32 (-0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners92.72%
Inst Owner Change-8.43%
Ins Owners0.34%
Ins Owner Change-20.88%
Market Cap18.66B
Analysts79.05
Price Target42.08 (21.46%)
Short Float %1.08%
Short Ratio1.38
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.81% |
Yearly Dividend0.92
Dividend Growth(5Y)N/A
DP-156.08%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.55%
Min EPS beat(2)-0.44%
Max EPS beat(2)15.55%
EPS beat(4)3
Avg EPS beat(4)7.91%
Min EPS beat(4)-0.44%
Max EPS beat(4)15.87%
EPS beat(8)6
Avg EPS beat(8)4.91%
EPS beat(12)10
Avg EPS beat(12)8.09%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-11.67%
Min Revenue beat(2)-11.92%
Max Revenue beat(2)-11.42%
Revenue beat(4)0
Avg Revenue beat(4)-14.95%
Min Revenue beat(4)-21.6%
Max Revenue beat(4)-11.42%
Revenue beat(8)3
Avg Revenue beat(8)-7.82%
Revenue beat(12)6
Avg Revenue beat(12)0.19%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.7%
PT rev (3m)17.58%
EPS NQ rev (1m)-2.91%
EPS NQ rev (3m)-10.18%
EPS NY rev (1m)1.75%
EPS NY rev (3m)-0.88%
Revenue NQ rev (1m)-4.89%
Revenue NQ rev (3m)-12.4%
Revenue NY rev (1m)-5.77%
Revenue NY rev (3m)-7.82%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.75 | ||
| Fwd PE | 6.05 | ||
| P/S | 1.27 | ||
| P/FCF | 11.12 | ||
| P/OCF | 11.12 | ||
| P/B | 1.52 | ||
| P/tB | 1.52 | ||
| EV/EBITDA | 22.76 |
EPS(TTM)5.13
EY14.81%
EPS(NY)5.72
Fwd EY16.52%
FCF(TTM)3.12
FCFY8.99%
OCF(TTM)3.12
OCFY8.99%
SpS27.22
BVpS22.85
TBVpS22.85
PEG (NY)1.65
PEG (5Y)0.06
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -0.08% | ||
| ROE | -2.74% | ||
| ROCE | 0.26% | ||
| ROIC | 0.2% | ||
| ROICexc | 0.2% | ||
| ROICexgc | 0.3% | ||
| OM | 7.02% | ||
| PM (TTM) | N/A | ||
| GM | N/A | ||
| FCFM | 11.45% |
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-Score5
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.92 | ||
| Debt/FCF | 6.76 | ||
| Debt/EBITDA | 8.67 | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| Interest Coverage | 1.78 | ||
| Cash Conversion | 128.19% | ||
| Profit Quality | N/A | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC7.64%
ROIC/WACC0.03
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)18.75%
EPS 3Y-31.14%
EPS 5Y115.54%
EPS Q2Q%20.35%
EPS Next Y4.1%
EPS Next 2Y8.75%
EPS Next 3Y11.33%
EPS Next 5Y10.21%
Revenue 1Y (TTM)-16.47%
Revenue growth 3Y-7.04%
Revenue growth 5Y8.01%
Sales Q2Q%5.84%
Revenue Next Year-6.84%
Revenue Next 2Y-1.83%
Revenue Next 3Y-0.48%
Revenue Next 5Y3.39%
EBIT growth 1Y-41.6%
EBIT growth 3Y-25.44%
EBIT growth 5Y34.3%
EBIT Next Year-7.21%
EBIT Next 3Y0.32%
EBIT Next 5YN/A
FCF growth 1Y-55.04%
FCF growth 3Y-4.39%
FCF growth 5Y-2.53%
OCF growth 1Y-55.04%
OCF growth 3Y-4.39%
OCF growth 5Y-2.53%