F&G ANNUITIES & LIFE INC (FG) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:FG • US30190A1043
29.4 USD
+0.88 (+3.09%)
At close: Jan 29, 2026
29.4 USD
0 (0%)
After Hours: 1/29/2026, 8:13:49 PM
Taking everything into account, FG scores 4 out of 10 in our fundamental rating. FG was compared to 148 industry peers in the Insurance industry. While FG seems to be doing ok healthwise, there are quite some concerns on its profitability. FG is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
- In the past year FG was profitable.
- In the past year FG had a positive cash flow from operations.
- The reported net income has been mixed in the past 5 years: FG reported negative net income in multiple years.
- Each year in the past 5 years FG had a positive operating cash flow.
1.2 Ratios
- With a Return On Assets value of 0.46%, FG is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
- 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.
- FG has a Return On Invested Capital of 0.65%. This is in the lower half of the industry: FG underperforms 66.22% of its industry peers.
- The Average Return On Invested Capital over the past 3 years for FG is significantly below the industry average of 14.94%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 9.27% | ||
| ROIC | 0.65% |
ROA(3y)0.51%
ROA(5y)0.57%
ROE(3y)11.29%
ROE(5y)9.72%
ROIC(3y)0.65%
ROIC(5y)N/A
1.3 Margins
- FG's Profit Margin of 8.06% is in line compared to the rest of the industry. FG outperforms 50.00% of its industry peers.
- In the last couple of years the Profit Margin of FG has declined.
- Looking at the Operating Margin, with a value of 13.25%, FG is in line with its industry, outperforming 54.05% of the companies in the same industry.
- FG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 13.25% | ||
| PM (TTM) | 8.06% | ||
| GM | N/A |
OM growth 3Y-17.37%
OM growth 5Y-8.02%
PM growth 3Y-21%
PM growth 5Y-11.75%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- FG has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- Compared to 1 year ago, FG has more shares outstanding
- FG has a worse debt/assets ratio than last year.
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.
- FG has a better Altman-Z score (0.12) than 70.27% of its industry peers.
- 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 amongst the best in the industry. FG outperforms 81.08% of its industry peers.
- A Debt/Equity ratio of 0.46 indicates that FG is not too dependend on debt financing.
- With a Debt to Equity ratio value of 0.46, FG is not doing good in the industry: 66.22% of the companies in the same industry are doing better.
- Even though the debt/equity ratio score it not favorable for FG, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.46 | ||
| Debt/FCF | 0.46 | ||
| Altman-Z | 0.12 |
ROIC/WACC0.08
WACC7.72%
2.3 Liquidity
- A Current Ratio of 0.39 indicates that FG may have some problems paying its short term obligations.
- The Current ratio of FG (0.39) is better than 72.30% of its industry peers.
- FG has a Quick Ratio of 0.39. This is a bad value and indicates that FG is not financially healthy enough and could expect problems in meeting its short term obligations.
- FG's Quick ratio of 0.39 is fine compared to the rest of the industry. FG outperforms 72.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.39 | ||
| Quick Ratio | 0.39 |
3. Growth
3.1 Past
- FG shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.41%.
- FG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.33% yearly.
- FG shows a decrease in Revenue. In the last year, the revenue decreased by -2.94%.
- Measured over the past years, FG shows a very strong growth in Revenue. The Revenue has been growing by 24.99% on average per year.
EPS 1Y (TTM)2.41%
EPS 3Y-11.8%
EPS 5Y9.33%
EPS Q2Q%0%
Revenue 1Y (TTM)-2.94%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%17.31%
3.2 Future
- FG is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.74% yearly.
- FG is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.12% yearly.
EPS Next Y-5.44%
EPS Next 2Y17.1%
EPS Next 3Y16.74%
EPS Next 5YN/A
Revenue Next Year0.37%
Revenue Next 2Y6.71%
Revenue Next 3Y7.12%
Revenue Next 5YN/A
3.3 Evolution
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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 7.68 indicates a rather cheap valuation of FG.
- FG's Price/Earnings ratio is a bit cheaper when compared to the industry. FG is cheaper than 76.35% of the companies in the same industry.
- Compared to an average S&P500 Price/Earnings ratio of 28.39, FG is valued rather cheaply.
- FG is valuated cheaply with a Price/Forward Earnings ratio of 5.03.
- Based on the Price/Forward Earnings ratio, FG is valued cheaper than 83.11% of the companies in the same industry.
- FG is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.72, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.68 | ||
| Fwd PE | 5.03 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, FG is valued cheaply inside the industry as 88.51% of the companies are valued more expensively.
- Based on the Price/Free Cash Flow ratio, FG is valued cheaper than 96.62% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.82 | ||
| EV/EBITDA | 2.91 |
4.3 Compensation for Growth
- A more expensive valuation may be justified as FG's earnings are expected to grow with 16.74% in the coming years.
PEG (NY)N/A
PEG (5Y)0.82
EPS Next 2Y17.1%
EPS Next 3Y16.74%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 3.17%, FG has a reasonable but not impressive dividend return.
- FG's Dividend Yield is a higher than the industry average which is at 2.41.
- FG's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.17% |
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
5.3 Sustainability
- FG pays out 29.31% of its income as dividend. This is a sustainable payout ratio.
DP29.31%
EPS Next 2Y17.1%
EPS Next 3Y16.74%
F&G ANNUITIES & LIFE INC / FG FAQ
What is the ChartMill fundamental rating of F&G ANNUITIES & LIFE INC (FG) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FG.
What is the valuation status of F&G ANNUITIES & LIFE INC (FG) stock?
ChartMill assigns a valuation rating of 7 / 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 2 / 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 7.68 and the Price/Book (PB) ratio is 0.82.
Is the dividend of F&G ANNUITIES & LIFE INC sustainable?
The dividend rating of F&G ANNUITIES & LIFE INC (FG) is 5 / 10 and the dividend payout ratio is 29.31%.