F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:FGSN - US30190A6091
22.57 USD
+0.2 (+0.89%)
FGSN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 148 industry peers in the Insurance industry. The financial health of FGSN is average, but there are quite some concerns on its profitability. FGSN 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 FGSN was profitable.
- In the past year FGSN had a positive cash flow from operations.
- In multiple years FGSN reported negative net income over the last 5 years.
- Each year in the past 5 years FGSN had a positive operating cash flow.
1.2 Ratios
- The Return On Assets of FGSN (0.46%) is worse than 73.83% of its industry peers.
- FGSN has a Return On Equity (9.27%) which is in line with its industry peers.
- FGSN has a Return On Invested Capital of 0.65%. This is in the lower half of the industry: FGSN underperforms 65.10% of its industry peers.
- FGSN had an Average Return On Invested Capital over the past 3 years of 0.65%. This is significantly below the industry average of 15.11%.
| 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
- Looking at the Profit Margin, with a value of 8.06%, FGSN is in line with its industry, outperforming 51.01% of the companies in the same industry.
- In the last couple of years the Profit Margin of FGSN has declined.
- FGSN has a Operating Margin (13.25%) which is in line with 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FGSN is destroying value.
- FGSN has more shares outstanding than it did 1 year ago.
- The debt/assets ratio for FGSN is higher compared to a year ago.
2.2 Solvency
- FGSN has an Altman-Z score of 0.12. This is a bad value and indicates that FGSN is not financially healthy and even has some risk of bankruptcy.
- FGSN has a better Altman-Z score (0.12) than 67.79% of its industry peers.
- The Debt to FCF ratio of FGSN is 0.46, which is an excellent value as it means it would take FGSN, only 0.46 years of fcf income to pay off all of its debts.
- FGSN's Debt to FCF ratio of 0.46 is amongst the best of the industry. FGSN outperforms 82.55% 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 64.43% 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
WACC7.49%
2.3 Liquidity
- A Current Ratio of 0.39 indicates that FGSN may have some problems paying its short term obligations.
- FGSN has a better Current ratio (0.39) than 73.15% 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 better Quick ratio (0.39) than 73.15% 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.
- The Revenue has decreased by -2.94% in the past 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
- FGSN is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.74% yearly.
- FGSN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.12% yearly.
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
- 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.
- 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 5.89, the valuation of FGSN can be described as very cheap.
- FGSN's Price/Earnings ratio is rather cheap when compared to the industry. FGSN is cheaper than 83.22% of the companies in the same industry.
- FGSN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.47.
- Based on the Price/Forward Earnings ratio of 3.88, the valuation of FGSN can be described as very cheap.
- Based on the Price/Forward Earnings ratio, FGSN is valued cheaply inside the industry as 85.91% of the companies are valued more expensively.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, FGSN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 3.88 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FGSN indicates a rather cheap valuation: FGSN is cheaper than 90.60% of the companies listed in the same industry.
- FGSN's Price/Free Cash Flow ratio is rather cheap when compared to the industry. FGSN is cheaper than 98.66% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.63 | ||
| EV/EBITDA | 2.24 |
4.3 Compensation for Growth
- FGSN's earnings are expected to grow with 16.74% in the coming years. This may justify a more expensive valuation.
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 7.72%, which is a nice return.
- FGSN's Dividend Yield is rather good when compared to the industry average which is at 2.53. FGSN pays more dividend than 91.28% of the companies in the same industry.
- Compared to an average S&P500 Dividend Yield of 1.87, FGSN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
5.2 History
- FGSN does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 29.31% of the earnings are spent on dividend by FGSN. This is a low number and 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 (1/16/2026, 8:14:43 PM)
22.57
+0.2 (+0.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-18 2026-02-18/amc
Inst Owners95.99%
Inst Owner ChangeN/A
Ins Owners2.4%
Ins Owner ChangeN/A
Market Cap3.04B
Revenue(TTM)5.55B
Net Income(TTM)447.00M
Analysts42
Price Target25.54 (13.16%)
Short Float %0.01%
Short Ratio0.16
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.72% |
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)7.39%
PT rev (3m)-15.21%
EPS NQ rev (1m)-10.29%
EPS NQ rev (3m)-1.39%
EPS NY rev (1m)0%
EPS NY rev (3m)8.57%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.89 | ||
| Fwd PE | 3.88 | ||
| 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
EY16.97%
EPS(NY)5.82
Fwd EY25.78%
FCF(TTM)35.77
FCFY158.51%
OCF(TTM)35.9
OCFY159.07%
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
WACC7.49%
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.
What is the valuation status of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) stock?
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.
What is the financial health of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) stock?
The financial health rating of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) is 4 / 10.
Can you provide the dividend sustainability for FGSN stock?
The dividend rating of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) is 5 / 10 and the dividend payout ratio is 29.31%.