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

NYSE:FG • US30190A1043

Current stock price

23.67 USD
+0.01 (+0.04%)
At close:
23.67 USD
0 (0%)
After Hours:

This FG fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FG Profitability Analysis

1.1 Basic Checks

  • FG had positive earnings in the past year.
  • FG had a positive operating cash flow in the past year.
  • Of the past 5 years FG 4 years were profitable.
  • Of the past 5 years FG 4 years had a positive operating cash flow.
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 2025 0 2B 4B

1.2 Ratios

  • FG has a worse Return On Assets (0.46%) than 71.62% of its industry peers.
  • FG's Return On Equity of 9.27% is in line compared to the rest of the industry. FG outperforms 44.59% of its industry peers.
  • With a Return On Invested Capital value of 0.65%, FG is not doing good in the industry: 65.54% of the companies in the same industry are doing better.
  • Measured over the past 3 years, the Average Return On Invested Capital for FG is significantly below the industry average of 15.41%.
  • The last Return On Invested Capital (0.65%) for FG is above the 3 year average (0.47%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 0.46%
ROE 9.27%
ROIC 0.65%
ROA(3y)0.3%
ROA(5y)0.71%
ROE(3y)6.35%
ROE(5y)11.66%
ROIC(3y)0.47%
ROIC(5y)0.87%
FG Yearly ROA, ROE, ROICFG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • FG's Profit Margin of 8.06% is in line compared to the rest of the industry. FG outperforms 51.35% of its industry peers.
  • In the last couple of years the Profit Margin of FG has declined.
  • FG has a Operating Margin (13.25%) which is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of FG has declined.
Industry RankSector Rank
OM 13.25%
PM (TTM) 8.06%
GM N/A
OM growth 3Y-31.81%
OM growth 5YN/A
PM growth 3Y-40.51%
PM growth 5YN/A
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 2025 0 10 -10 20

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. FG Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FG is destroying value.
  • FG has more shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, FG has more shares outstanding
  • Compared to 1 year ago, FG has an improved debt to assets ratio.
FG Yearly Shares OutstandingFG Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 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 70.27% of the companies in the same industry.
  • The Debt to FCF ratio of FG is 0.46, which is an excellent value as it means it would take FG, only 0.46 years of fcf income to pay off all of its debts.
  • FG has a Debt to FCF ratio of 0.46. This is in the better half of the industry: FG outperforms 79.73% 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.
  • FG has a Debt to Equity ratio of 0.46. This is in the lower half of the industry: FG underperforms 66.89% of its industry peers.
  • Although FG's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 0.46
Altman-Z 0.12
ROIC/WACC0.09
WACC7.51%
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 2025 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 72.97% of the companies in the same industry.
  • A Quick Ratio of 0.39 indicates that FG may have some problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 0.39, FG is in the better half of the industry, outperforming 72.97% of the companies in the same industry.
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 2025 2B 4B 6B

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. FG Growth Analysis

3.1 Past

  • FG shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.02%.
  • Measured over the past years, FG shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -23.40% on average per year.
  • FG shows a decrease in Revenue. In the last year, the revenue decreased by -0.45%.
  • FG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 32.79% yearly.
EPS 1Y (TTM)-15.02%
EPS 3Y-23.4%
EPS 5YN/A
EPS Q2Q%-18.75%
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y34.79%
Revenue growth 5Y32.79%
Sales Q2Q%47.79%

3.2 Future

  • The Earnings Per Share is expected to grow by 28.86% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 7.22% on average over the next years.
EPS Next Y56.78%
EPS Next 2Y34.67%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 2028 2 4 6

More info and screens

Find the best growth stocksShow best growing peers

9

4. FG Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 6.54, the valuation of FG can be described as very cheap.
  • Based on the Price/Earnings ratio, FG is valued a bit cheaper than 76.35% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FG to the average of the S&P500 Index (25.79), we can say FG is valued rather cheaply.
  • The Price/Forward Earnings ratio is 4.17, which indicates a rather cheap valuation of FG.
  • Based on the Price/Forward Earnings ratio, FG is valued cheaply inside the industry as 83.78% of the companies are valued more expensively.
  • When comparing the Price/Forward Earnings ratio of FG to the average of the S&P500 Index (23.80), we can say FG is valued rather cheaply.
Industry RankSector Rank
PE 6.54
Fwd PE 4.17
FG Price Earnings VS Forward Price EarningsFG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, FG is valued cheaper than 89.19% of the companies in the same industry.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FG indicates a rather cheap valuation: FG is cheaper than 97.30% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 0.67
EV/EBITDA 2.36
FG Per share dataFG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

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.
  • FG's earnings are expected to grow with 28.86% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.12
PEG (5Y)N/A
EPS Next 2Y34.67%
EPS Next 3Y28.86%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. FG Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 9.26%, FG is a good candidate for dividend investing.
  • In the last 3 months the price of FG has falen by -24.01%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
  • FG's Dividend Yield is rather good when compared to the industry average which is at 2.84. FG pays more dividend than 93.92% of the companies in the same industry.
  • Compared to an average S&P500 Dividend Yield of 1.91, FG pays a better dividend.
Industry RankSector Rank
Dividend Yield 9.26%

5.2 History

  • FG has been paying a dividend for over 5 years, so it has already some track record.
  • FG has decreased its dividend 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 2026 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 2Y34.67%
EPS Next 3Y28.86%
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 2025 0 2B 4B
FG Dividend Payout.FG Dividend Payout, showing the Payout Ratio.FG Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

FG Fundamentals: All Metrics, Ratios and Statistics

F&G ANNUITIES & LIFE INC

NYSE:FG (3/18/2026, 8:06:29 PM)

After market: 23.67 0 (0%)

23.67

+0.01 (+0.04%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners93.3%
Inst Owner Change0%
Ins Owners2.43%
Ins Owner Change-16.21%
Market Cap3.21B
Revenue(TTM)5.75B
Net Income(TTM)447.00M
Analysts42
Price Target30.09 (27.12%)
Short Float %1.27%
Short Ratio2.1
Dividend
Industry RankSector Rank
Dividend Yield 9.26%
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP29.31%
Div Incr Years1
Div Non Decr Years1
Ex-Date03-17
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)-7.81%
PT rev (3m)-13.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.29%
EPS NY rev (1m)-2.85%
EPS NY rev (3m)-2.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-3.97%
Revenue NY rev (3m)-3.97%
Valuation
Industry RankSector Rank
PE 6.54
Fwd PE 4.17
P/S 0.58
P/FCF 0.67
P/OCF 0.66
P/B 0.67
P/tB N/A
EV/EBITDA 2.36
EPS(TTM)3.62
EY15.29%
EPS(NY)5.68
Fwd EY23.98%
FCF(TTM)35.51
FCFY150.04%
OCF(TTM)35.64
OCFY150.57%
SpS40.9
BVpS35.57
TBVpS-25.46
PEG (NY)0.12
PEG (5Y)N/A
Graham Number53.83
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 9.27%
ROCE 0.79%
ROIC 0.65%
ROICexc 0.67%
ROICexgc 0.95%
OM 13.25%
PM (TTM) 8.06%
GM N/A
FCFM 86.82%
ROA(3y)0.3%
ROA(5y)0.71%
ROE(3y)6.35%
ROE(5y)11.66%
ROIC(3y)0.47%
ROIC(5y)0.87%
ROICexc(3y)0.48%
ROICexc(5y)0.89%
ROICexgc(3y)0.67%
ROICexgc(5y)1.06%
ROCE(3y)0.57%
ROCE(5y)1.04%
ROICexgc growth 3Y-18.28%
ROICexgc growth 5YN/A
ROICexc growth 3Y-24.54%
ROICexc growth 5YN/A
OM growth 3Y-31.81%
OM growth 5YN/A
PM growth 3Y-40.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
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-Score6
WACC7.51%
ROIC/WACC0.09
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-15.02%
EPS 3Y-23.4%
EPS 5YN/A
EPS Q2Q%-18.75%
EPS Next Y56.78%
EPS Next 2Y34.67%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y34.79%
Revenue growth 5Y32.79%
Sales Q2Q%47.79%
Revenue Next Year8.95%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y562.16%
EBIT growth 3Y-8.08%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-29.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-29.97%
OCF growth 3YN/A
OCF growth 5YN/A

F&G ANNUITIES & LIFE INC / FG Fundamental Analysis FAQ

What is the ChartMill fundamental rating of F&G ANNUITIES & LIFE INC (FG) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FG.


What is the valuation status of F&G ANNUITIES & LIFE INC (FG) stock?

ChartMill assigns a valuation rating of 9 / 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 3 / 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 6.54 and the Price/Book (PB) ratio is 0.67.


Is the dividend of F&G ANNUITIES & LIFE INC sustainable?

The dividend rating of F&G ANNUITIES & LIFE INC (FG) is 6 / 10 and the dividend payout ratio is 29.31%.