F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FGSN - US30190A6091
22.61 USD
-0.18 (-0.79%)
We assign a fundamental rating of 4 out of 10 to FGSN. FGSN was compared to 147 industry peers in the Insurance industry. FGSN scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. A decent growth rate in combination with a cheap valuation! Better keep an eye on FGSN.
1. Profitability
1.1 Basic Checks
In the past year FGSN was profitable.
In the past year FGSN had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: FGSN reported negative net income in multiple years.
FGSN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
FGSN has a Return On Assets of 0.46%. This is in the lower half of the industry: FGSN underperforms 76.87% of its industry peers.
FGSN has a Return On Equity of 9.27%. This is comparable to the rest of the industry: FGSN outperforms 44.22% of its industry peers.
With a Return On Invested Capital value of 0.65%, FGSN is not doing good in the industry: 65.99% of the companies in the same industry are doing better.
Measured over the past 3 years, the Average Return On Invested Capital for FGSN is significantly below the industry average of 14.89%.
| 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
FGSN has a Profit Margin of 8.06%. This is comparable to the rest of the industry: FGSN outperforms 50.34% of its industry peers.
In the last couple of years the Profit Margin of FGSN has declined.
FGSN has a Operating Margin of 13.25%. This is comparable to the rest of the industry: FGSN outperforms 55.78% of its industry peers.
In the last couple of years the Operating Margin of FGSN has declined.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FGSN is destroying value.
FGSN has more shares outstanding than it did 1 year ago.
FGSN 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 FGSN is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 0.12, FGSN is in the better half of the industry, outperforming 65.31% of the companies in the same industry.
FGSN has a debt to FCF ratio of 0.46. This is a very positive value and a sign of high solvency as it would only need 0.46 years to pay back of all of its debts.
The Debt to FCF ratio of FGSN (0.46) is better than 81.63% of its industry peers.
FGSN has a Debt/Equity ratio of 0.46. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.46, FGSN is doing worse than 65.31% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for FGSN, 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/WACC0.09
WACC7.43%
2.3 Liquidity
A Current Ratio of 0.39 indicates that FGSN may have some problems paying its short term obligations.
FGSN's Current ratio of 0.39 is fine compared to the rest of the industry. FGSN outperforms 72.79% of its industry peers.
FGSN has a Quick Ratio of 0.39. This is a bad value and indicates that FGSN is not financially healthy enough and could expect problems in meeting its short term obligations.
FGSN has a Quick ratio of 0.39. This is in the better half of the industry: FGSN outperforms 72.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.39 | ||
| Quick Ratio | 0.39 |
3. Growth
3.1 Past
FGSN shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.41%.
The Earnings Per Share has been growing by 9.33% on average over the past years. This is quite good.
Looking at the last year, FGSN shows a decrease in Revenue. The Revenue has decreased by -2.94% in the last year.
Measured over the past years, FGSN 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
The Earnings Per Share is expected to grow by 16.74% on average over the next years. This is quite good.
The Revenue is expected to grow by 7.12% on average over the next years.
EPS Next Y-1.96%
EPS Next 2Y16.88%
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
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
With a Price/Earnings ratio of 5.90, the valuation of FGSN can be described as very cheap.
Based on the Price/Earnings ratio, FGSN is valued cheaply inside the industry as 80.95% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of FGSN to the average of the S&P500 Index (26.49), we can say FGSN is valued rather cheaply.
A Price/Forward Earnings ratio of 3.89 indicates a rather cheap valuation of FGSN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FGSN indicates a rather cheap valuation: FGSN is cheaper than 86.39% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.69, FGSN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.9 | ||
| Fwd PE | 3.89 |
4.2 Price Multiples
90.48% of the companies in the same industry are more expensive than FGSN, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FGSN indicates a rather cheap valuation: FGSN is cheaper than 98.64% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.63 | ||
| EV/EBITDA | 2.24 |
4.3 Compensation for Growth
A more expensive valuation may be justified as FGSN's earnings are expected to grow with 16.74% in the coming years.
PEG (NY)N/A
PEG (5Y)0.63
EPS Next 2Y16.88%
EPS Next 3Y16.74%
5. Dividend
5.1 Amount
FGSN has a Yearly Dividend Yield of 2.74%.
FGSN's Dividend Yield is a higher than the industry average which is at 3.48.
FGSN's Dividend Yield is comparable with the S&P500 average which is at 2.31.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
5.2 History
FGSN is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
FGSN pays out 29.31% of its income as dividend. This is a sustainable payout ratio.
DP29.31%
EPS Next 2Y16.88%
EPS Next 3Y16.74%
F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65
NYSE:FGSN (12/5/2025, 8:19:25 PM)
22.61
-0.18 (-0.79%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.99%
Inst Owner ChangeN/A
Ins Owners2.47%
Ins Owner ChangeN/A
Market Cap3.04B
Revenue(TTM)5.55B
Net Income(TTM)447.00M
Analysts42
Price Target23.78 (5.17%)
Short Float %0.01%
Short Ratio0.32
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.74% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP29.31%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
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)6.04%
Revenue beat(12)7
Avg Revenue beat(12)3.37%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-17.77%
PT rev (3m)-15.3%
EPS NQ rev (1m)8.94%
EPS NQ rev (3m)9.92%
EPS NY rev (1m)10.04%
EPS NY rev (3m)8.57%
Revenue NQ rev (1m)6.34%
Revenue NQ rev (3m)6.34%
Revenue NY rev (1m)7.5%
Revenue NY rev (3m)7.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.9 | ||
| Fwd PE | 3.89 | ||
| P/S | 0.55 | ||
| P/FCF | 0.63 | ||
| P/OCF | 0.63 | ||
| P/B | 0.63 | ||
| P/tB | N/A | ||
| EV/EBITDA | 2.24 |
EPS(TTM)3.83
EY16.94%
EPS(NY)5.82
Fwd EY25.74%
FCF(TTM)35.77
FCFY158.23%
OCF(TTM)35.9
OCFY158.78%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)N/A
PEG (5Y)0.63
Graham Number55.57
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 9.27% | ||
| ROCE | 0.79% | ||
| ROIC | 0.65% | ||
| ROICexc | 0.66% | ||
| ROICexgc | 0.94% | ||
| OM | 13.25% | ||
| PM (TTM) | 8.06% | ||
| GM | N/A | ||
| FCFM | 86.82% |
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
ROICexgc growth 3Y-16.01%
ROICexgc 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-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector 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-Score7
WACC7.43%
ROIC/WACC0.09
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)2.41%
EPS 3Y-11.8%
EPS 5Y9.33%
EPS Q2Q%0%
EPS Next Y-1.96%
EPS Next 2Y16.88%
EPS Next 3Y16.74%
EPS Next 5YN/A
Revenue 1Y (TTM)-2.94%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%17.31%
Revenue Next Year0.37%
Revenue Next 2Y6.71%
Revenue Next 3Y7.12%
Revenue Next 5YN/A
EBIT growth 1Y562.16%
EBIT growth 3Y-6.3%
EBIT growth 5Y14.97%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-1.09%
FCF growth 3Y48.14%
FCF growth 5Y56.47%
OCF growth 1Y-1.29%
OCF growth 3Y47.46%
OCF growth 5Y55.87%
F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 / FGSN FAQ
What is the ChartMill fundamental rating of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) stock?
ChartMill assigns a fundamental rating of 4 / 10 to FGSN.
Can you provide the valuation status for F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65?
ChartMill assigns a valuation rating of 8 / 10 to F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN). This can be considered as Undervalued.
What is the profitability of FGSN stock?
F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) has a profitability rating of 2 / 10.
How financially healthy is F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65?
The financial health rating of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) is 4 / 10.
Is the dividend of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 sustainable?
The dividend rating of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) is 3 / 10 and the dividend payout ratio is 29.31%.