F&G ANNUITIES & LIFE INC (FG) Stock Fundamental Analysis
USA - NYSE:FG - US30190A1043 - Common Stock
31.16 USD
+0.52 (+1.7%)
We assign a fundamental rating of 4 out of 10 to FG. FG was compared to 146 industry peers in the Insurance industry. FG scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FG scores decently on growth, while it is valued quite cheap. This could make an interesting combination.
1. Profitability
1.1 Basic Checks
FG had positive earnings in the past year.
FG had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FG reported negative net income in multiple years.
In the past 5 years FG always reported a positive cash flow from operatings.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.35%, FG is doing worse than 73.29% of the companies in the same industry.
FG has a Return On Equity of 7.28%. This is in the lower half of the industry: FG underperforms 64.38% of its industry peers.
FG has a Return On Invested Capital of 0.53%. This is in the lower half of the industry: FG underperforms 64.38% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for FG is below the industry average of 4.43%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 7.28% | ||
| ROIC | 0.53% |
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 has a Profit Margin of 6.09%. This is comparable to the rest of the industry: FG outperforms 43.15% 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 10.70%, FG is in line with its industry, outperforming 50.00% of the companies in the same industry.
FG's Operating Margin has declined in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.7% | ||
| PM (TTM) | 6.09% | ||
| 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FG is destroying value.
The number of shares outstanding for FG has been increased compared to 1 year ago.
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.
Looking at the Altman-Z score, with a value of 0.12, FG is in the better half of the industry, outperforming 67.12% of the companies in the same industry.
The Debt to FCF ratio of FG is 0.37, which is an excellent value as it means it would take FG, only 0.37 years of fcf income to pay off all of its debts.
FG's Debt to FCF ratio of 0.37 is amongst the best of the industry. FG outperforms 85.62% of its industry peers.
A Debt/Equity ratio of 0.50 indicates that FG is somewhat dependend on debt financing.
FG has a Debt to Equity ratio of 0.50. This is in the lower half of the industry: FG underperforms 67.81% of its industry peers.
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 | 0.5 | ||
| Debt/FCF | 0.37 | ||
| Altman-Z | 0.12 |
ROIC/WACC0.07
WACC7.66%
2.3 Liquidity
A Current Ratio of 0.38 indicates that FG may have some problems paying its short term obligations.
With a decent Current ratio value of 0.38, FG is doing good in the industry, outperforming 71.92% of the companies in the same industry.
A Quick Ratio of 0.38 indicates that FG may have some problems paying its short term obligations.
FG's Quick ratio of 0.38 is fine compared to the rest of the industry. FG outperforms 71.92% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.38 | ||
| Quick Ratio | 0.38 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 10.06% over the past year.
FG shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.33% yearly.
The Revenue has been growing slightly by 2.85% in the past year.
FG shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.99% yearly.
EPS 1Y (TTM)10.06%
EPS 3Y-11.8%
EPS 5Y9.33%
EPS Q2Q%-27.36%
Revenue 1Y (TTM)2.85%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%16.38%
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 17.27% yearly.
Based on estimates for the next years, FG will show a small growth in Revenue. The Revenue will grow by 5.70% on average per year.
EPS Next Y-9.69%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
EPS Next 5YN/A
Revenue Next Year-6.63%
Revenue Next 2Y5.7%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
FG is valuated reasonably with a Price/Earnings ratio of 8.14.
FG's Price/Earnings ratio is a bit cheaper when compared to the industry. FG is cheaper than 72.60% of the companies in the same industry.
FG's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
With a Price/Forward Earnings ratio of 5.34, the valuation of FG can be described as very cheap.
82.19% of the companies in the same industry are more expensive than FG, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FG to the average of the S&P500 Index (23.29), we can say FG is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.14 | ||
| Fwd PE | 5.34 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FG is valued cheaper than 84.25% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, FG is valued cheaply inside the industry as 97.26% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.7 | ||
| EV/EBITDA | 3.8 |
4.3 Compensation for Growth
FG's earnings are expected to grow with 17.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.87
EPS Next 2Y17.03%
EPS Next 3Y17.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.40%, FG is a good candidate for dividend investing.
FG's Dividend Yield is rather good when compared to the industry average which is at 3.60. FG pays more dividend than 92.47% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, FG pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.4% |
5.2 History
FG has been paying a dividend for over 5 years, so it has already some track record.
The dividend of FG decreased recently.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
39.94% of the earnings are spent on dividend by FG. This is a low number and sustainable payout ratio.
DP39.94%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
NYSE:FG (10/3/2025, 12:24:29 PM)
31.16
+0.52 (+1.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.9%
Inst Owner Change0%
Ins Owners2%
Ins Owner Change0.12%
Market Cap4.20B
Analysts42
Price Target39.27 (26.03%)
Short Float %0.46%
Short Ratio3.44
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.4% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP39.94%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.81%
Min EPS beat(2)-27.3%
Max EPS beat(2)30.92%
EPS beat(4)2
Avg EPS beat(4)0.55%
Min EPS beat(4)-27.3%
Max EPS beat(4)30.92%
EPS beat(8)2
Avg EPS beat(8)-9.16%
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)1
Avg Revenue beat(2)-14.03%
Min Revenue beat(2)-40.15%
Max Revenue beat(2)12.08%
Revenue beat(4)3
Avg Revenue beat(4)-0.08%
Min Revenue beat(4)-40.15%
Max Revenue beat(4)14.6%
Revenue beat(8)5
Avg Revenue beat(8)3.16%
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)0%
PT rev (3m)4.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-7.97%
EPS NY rev (1m)0%
EPS NY rev (3m)-1.84%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.21%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.51%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.14 | ||
| Fwd PE | 5.34 | ||
| P/S | 0.79 | ||
| P/FCF | 0.7 | ||
| P/OCF | 0.7 | ||
| P/B | 0.95 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3.8 |
EPS(TTM)3.83
EY12.29%
EPS(NY)5.83
Fwd EY18.73%
FCF(TTM)44.3
FCFY142.17%
OCF(TTM)44.46
OCFY142.67%
SpS39.42
BVpS32.96
TBVpS-27.36
PEG (NY)N/A
PEG (5Y)0.87
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 7.28% | ||
| ROCE | 0.64% | ||
| ROIC | 0.53% | ||
| ROICexc | 0.54% | ||
| ROICexgc | 0.76% | ||
| OM | 10.7% | ||
| PM (TTM) | 6.09% | ||
| GM | N/A | ||
| FCFM | 112.38% |
ROA(3y)0.51%
ROA(5y)0.57%
ROE(3y)11.29%
ROE(5y)9.72%
ROIC(3y)0.65%
ROIC(5y)N/A
ROICexc(3y)0.67%
ROICexc(5y)N/A
ROICexgc(3y)0.83%
ROICexgc(5y)N/A
ROCE(3y)0.79%
ROCE(5y)N/A
ROICexcg growth 3Y-16.01%
ROICexcg growth 5YN/A
ROICexc growth 3Y-22.32%
ROICexc growth 5YN/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
F-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 0.37 | ||
| Debt/EBITDA | 1.9 | ||
| Cap/Depr | 3.44% | ||
| Cap/Sales | 0.4% | ||
| Interest Coverage | 3.94 | ||
| Cash Conversion | 508.15% | ||
| Profit Quality | 1846.75% | ||
| Current Ratio | 0.38 | ||
| Quick Ratio | 0.38 | ||
| Altman-Z | 0.12 |
F-Score4
WACC7.66%
ROIC/WACC0.07
Cap/Depr(3y)6.83%
Cap/Depr(5y)13.24%
Cap/Sales(3y)0.8%
Cap/Sales(5y)1.05%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)10.06%
EPS 3Y-11.8%
EPS 5Y9.33%
EPS Q2Q%-27.36%
EPS Next Y-9.69%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
EPS Next 5YN/A
Revenue 1Y (TTM)2.85%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%16.38%
Revenue Next Year-6.63%
Revenue Next 2Y5.7%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y11.59%
EBIT growth 3Y-6.3%
EBIT growth 5Y14.97%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y13.97%
FCF growth 3Y48.14%
FCF growth 5Y56.47%
OCF growth 1Y13.8%
OCF growth 3Y47.46%
OCF growth 5Y55.87%