F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN) Fundamental Analysis & Valuation

NYSE:FGN • US30190A2033

25.37 USD
-0.04 (-0.14%)
Last: Mar 6, 2026, 08:17 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FGN. FGN was compared to 149 industry peers in the Insurance industry. While FGN seems to be doing ok healthwise, there are quite some concerns on its profitability. FGN is valued quite cheap, while showing a decent growth score. This is a good combination!


Dividend Valuation Growth Profitability Health

3

1. FGN Profitability Analysis

1.1 Basic Checks

  • FGN had positive earnings in the past year.
  • FGN had a positive operating cash flow in the past year.
  • FGN had positive earnings in 4 of the past 5 years.
  • FGN had a positive operating cash flow in 4 of the past 5 years.
FGN Yearly Net Income VS EBIT VS OCF VS FCFFGN 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

  • With a Return On Assets value of 0.46%, FGN is not doing good in the industry: 74.50% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of 9.27%, FGN is in line with its industry, outperforming 44.30% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 0.65%, FGN is doing worse than 65.77% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for FGN is significantly below the industry average of 15.27%.
  • The 3 year average ROIC (0.47%) for FGN is below the current ROIC(0.65%), indicating increased profibility in the last year.
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%
FGN Yearly ROA, ROE, ROICFGN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • Looking at the Profit Margin, with a value of 8.06%, FGN is in line with its industry, outperforming 49.66% of the companies in the same industry.
  • FGN's Profit Margin has declined in the last couple of years.
  • FGN has a Operating Margin (13.25%) which is in line with its industry peers.
  • FGN's Operating Margin has declined in the last couple of years.
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
FGN Yearly Profit, Operating, Gross MarginsFGN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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4

2. FGN Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FGN is destroying value.
  • The number of shares outstanding for FGN has been increased compared to 1 year ago.
  • FGN has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for FGN has been reduced compared to a year ago.
FGN Yearly Shares OutstandingFGN Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M 100M
FGN Yearly Total Debt VS Total AssetsFGN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • FGN has an Altman-Z score of 0.12. This is a bad value and indicates that FGN is not financially healthy and even has some risk of bankruptcy.
  • The Altman-Z score of FGN (0.12) is better than 70.47% of its industry peers.
  • The Debt to FCF ratio of FGN is 0.46, which is an excellent value as it means it would take FGN, only 0.46 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of FGN (0.46) is better than 79.87% of its industry peers.
  • A Debt/Equity ratio of 0.46 indicates that FGN is not too dependend on debt financing.
  • FGN has a worse Debt to Equity ratio (0.46) than 68.46% of its industry peers.
  • Even though the debt/equity ratio score it not favorable for FGN, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 0.46
Altman-Z 0.12
ROIC/WACC0.09
WACC7.53%
FGN Yearly LT Debt VS Equity VS FCFFGN 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

  • FGN has a Current Ratio of 0.39. This is a bad value and indicates that FGN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 0.39, FGN is doing good in the industry, outperforming 71.14% of the companies in the same industry.
  • FGN has a Quick Ratio of 0.39. This is a bad value and indicates that FGN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • FGN's Quick ratio of 0.39 is fine compared to the rest of the industry. FGN outperforms 71.14% of its industry peers.
Industry RankSector Rank
Current Ratio 0.39
Quick Ratio 0.39
FGN Yearly Current Assets VS Current LiabilitesFGN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2025 2B 4B 6B

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

6

3. FGN Growth Analysis

3.1 Past

  • The earnings per share for FGN have decreased strongly by -15.02% in the last year.
  • The earnings per share for FGN have been decreasing by -23.40% on average. This is quite bad
  • The Revenue has decreased by -0.45% in the past year.
  • FGN 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 36.83% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, FGN will show a quite strong growth in Revenue. The Revenue will grow by 10.67% on average per year.
EPS Next Y61.37%
EPS Next 2Y36.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.46%
Revenue Next 2Y10.67%
Revenue Next 3YN/A
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 estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
FGN Yearly Revenue VS EstimatesFGN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
FGN Yearly EPS VS EstimatesFGN Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2 4 6

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9

4. FGN Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.01, the valuation of FGN can be described as very cheap.
  • Based on the Price/Earnings ratio, FGN is valued a bit cheaper than the industry average as 75.84% of the companies are valued more expensively.
  • FGN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.29.
  • With a Price/Forward Earnings ratio of 4.34, the valuation of FGN can be described as very cheap.
  • 82.55% of the companies in the same industry are more expensive than FGN, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FGN to the average of the S&P500 Index (24.57), we can say FGN is valued rather cheaply.
Industry RankSector Rank
PE 7.01
Fwd PE 4.34
FGN Price Earnings VS Forward Price EarningsFGN 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, FGN is valued cheaply inside the industry as 89.26% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, FGN is valued cheaper than 97.32% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.71
EV/EBITDA 2.52
FGN Per share dataFGN 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.
  • FGN's earnings are expected to grow with 36.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.11
PEG (5Y)N/A
EPS Next 2Y36.83%
EPS Next 3YN/A

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

5

5. FGN Dividend Analysis

5.1 Amount

  • FGN has a Yearly Dividend Yield of 8.17%, which is a nice return.
  • Compared to an average industry Dividend Yield of 2.50, FGN pays a better dividend. On top of this FGN pays more dividend than 94.63% of the companies listed in the same industry.
  • FGN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 8.17%

5.2 History

  • FGN 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
FGN Yearly Dividends per shareFGN Yearly Dividends per shareYearly Dividends per share 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • FGN pays out 29.31% of its income as dividend. This is a sustainable payout ratio.
DP29.31%
EPS Next 2Y36.83%
EPS Next 3YN/A
FGN Yearly Income VS Free CF VS DividendFGN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 2025 0 2B 4B
FGN Dividend Payout.FGN Dividend Payout, showing the Payout Ratio.FGN Dividend Payout.PayoutRetained Earnings

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FGN Fundamentals: All Metrics, Ratios and Statistics

F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53

NYSE:FGN (3/6/2026, 8:17:15 PM)

25.37

-0.04 (-0.14%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners95.99%
Inst Owner ChangeN/A
Ins Owners2.4%
Ins Owner ChangeN/A
Market Cap3.42B
Revenue(TTM)5.75B
Net Income(TTM)447.00M
Analysts42
Price Target33.68 (32.76%)
Short Float %0%
Short Ratio0.14
Dividend
Industry RankSector Rank
Dividend Yield 8.17%
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP29.31%
Div Incr Years0
Div Non Decr Years0
Ex-Date02-27
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)14.91%
PT rev (3m)17.84%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-10.29%
EPS NY rev (1m)0%
EPS NY rev (3m)0.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.93%
Valuation
Industry RankSector Rank
PE 7.01
Fwd PE 4.34
P/S 0.62
P/FCF 0.71
P/OCF 0.71
P/B 0.71
P/tB N/A
EV/EBITDA 2.52
EPS(TTM)3.62
EY14.27%
EPS(NY)5.84
Fwd EY23.03%
FCF(TTM)35.77
FCFY141.01%
OCF(TTM)35.9
OCFY141.51%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)0.11
PEG (5Y)N/A
Graham Number54.03
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
WACC7.53%
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 Y61.37%
EPS Next 2Y36.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y34.79%
Revenue growth 5Y32.79%
Sales Q2Q%47.79%
Revenue Next Year13.46%
Revenue Next 2Y10.67%
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 7.95 12/15/53 / FGN FAQ

What is the fundamental rating for FGN stock?

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


Can you provide the valuation status for F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53?

ChartMill assigns a valuation rating of 9 / 10 to F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN). This can be considered as Undervalued.


How profitable is F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN) stock?

F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN) has a profitability rating of 3 / 10.


How financially healthy is F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53?

The financial health rating of F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN) is 4 / 10.


How sustainable is the dividend of F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN) stock?

The dividend rating of F&G ANNUITIES & LIFE INC - FG 7.95 12/15/53 (FGN) is 5 / 10 and the dividend payout ratio is 29.31%.