F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) Stock Fundamental Analysis

NYSE:FGSN • US30190A6091

22.66 USD
+0.13 (+0.58%)
Last: Feb 20, 2026, 08:04 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FGSN gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 150 industry peers in the Insurance industry. While FGSN seems to be doing ok healthwise, there are quite some concerns on its profitability. FGSN is cheap, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year FGSN was profitable.
  • FGSN had a positive operating cash flow in the past year.
  • The reported net income has been mixed in the past 5 years: FGSN reported negative net income in multiple years.
  • Of the past 5 years FGSN 4 years had a positive operating cash flow.
FGSN Yearly Net Income VS EBIT VS OCF VS FCFFGSN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 2B 4B

1.2 Ratios

  • The Return On Assets of FGSN (0.46%) is worse than 72.48% of its industry peers.
  • With a Return On Equity value of 9.27%, FGSN perfoms like the industry average, outperforming 46.31% of the companies in the same industry.
  • With a Return On Invested Capital value of 0.65%, FGSN is not doing good in the industry: 63.76% 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 15.11%.
Industry RankSector 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
FGSN Yearly ROA, ROE, ROICFGSN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 5 10 15

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.
  • Looking at the Operating Margin, with a value of 13.25%, FGSN is in line with its industry, outperforming 55.03% of the companies in the same industry.
  • FGSN'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-17.37%
OM growth 5Y-8.02%
PM growth 3Y-21%
PM growth 5Y-11.75%
GM growth 3YN/A
GM growth 5YN/A
FGSN Yearly Profit, Operating, Gross MarginsFGSN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FGSN Yearly Shares OutstandingFGSN Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FGSN Yearly Total Debt VS Total AssetsFGSN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2020 2021 2022 2023 2024 20B 40B 60B 80B

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.
  • Looking at the Altman-Z score, with a value of 0.12, FGSN is in the better half of the industry, outperforming 69.80% 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.
  • FGSN's Debt to FCF ratio of 0.46 is amongst the best of the industry. FGSN outperforms 81.88% 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 65.10% of the companies in the same industry.
  • Although FGSN does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 0.46
Debt/FCF 0.46
Altman-Z 0.12
ROIC/WACC0.09
WACC7.4%
FGSN Yearly LT Debt VS Equity VS FCFFGSN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B 5B

2.3 Liquidity

  • FGSN has a Current 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.
  • With a decent Current ratio value of 0.39, FGSN is doing good in the industry, outperforming 73.83% of the companies in the same industry.
  • A Quick Ratio of 0.39 indicates that FGSN may have some problems paying its short term obligations.
  • With a decent Quick ratio value of 0.39, FGSN is doing good in the industry, outperforming 73.83% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.39
Quick Ratio 0.39
FGSN Yearly Current Assets VS Current LiabilitesFGSN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2020 2021 2022 2023 2024 2B 4B 6B

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

3

3. Growth

3.1 Past

  • The earnings per share for FGSN have decreased strongly by -15.02% in the last year.
EPS 1Y (TTM)-15.02%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-18.75%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%

3.2 Future

  • Based on estimates for the next years, FGSN will show a very strong growth in Earnings Per Share. The EPS will grow by 36.83% on average per year.
  • FGSN is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 10.67% yearly.
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

FGSN Yearly Revenue VS EstimatesFGSN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2B 4B 6B
FGSN Yearly EPS VS EstimatesFGSN Yearly EPS VS EstimatesYearly EPS VS Estimates 2022 2023 2024 2025 2026 2027 2 4 6

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Find the best growth stocksShow best growing peers

9

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 6.26, the valuation of FGSN can be described as very cheap.
  • Based on the Price/Earnings ratio, FGSN is valued cheaper than 81.21% of the companies in the same industry.
  • FGSN is valuated cheaply when we compare the Price/Earnings ratio to 26.99, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 3.88, the valuation of FGSN can be described as very cheap.
  • FGSN's Price/Forward Earnings ratio is rather cheap when compared to the industry. FGSN is cheaper than 84.56% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.06, FGSN is valued rather cheaply.
Industry RankSector Rank
PE 6.26
Fwd PE 3.88
FGSN Price Earnings VS Forward Price EarningsFGSN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • FGSN's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FGSN is cheaper than 91.95% of the companies in the same industry.
  • 98.66% of the companies in the same industry are more expensive than FGSN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.63
EV/EBITDA 2.24
FGSN Per share dataFGSN 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.
  • FGSN's earnings are expected to grow with 36.83% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y36.83%
EPS Next 3YN/A

More info and screens

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

5

5. Dividend

5.1 Amount

  • FGSN has a Yearly Dividend Yield of 8.10%, which is a nice return.
  • FGSN's Dividend Yield is a higher than the industry average which is at 2.64.
  • FGSN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 8.1%

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 2Y36.83%
EPS Next 3YN/A
FGSN Yearly Income VS Free CF VS DividendFGSN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 0 2B 4B
FGSN Dividend Payout.FGSN Dividend Payout, showing the Payout Ratio.FGSN Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65

NYSE:FGSN (2/20/2026, 8:04:00 PM)

22.66

+0.13 (+0.58%)

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 Cap3.05B
Revenue(TTM)N/A
Net Income(TTM)447.00M
Analysts42
Price Target24.63 (8.69%)
Short Float %0.02%
Short Ratio0.34
Dividend
Industry RankSector Rank
Dividend Yield 8.1%
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)-2.72%
PT rev (3m)-7.56%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.27%
EPS NY rev (1m)-3.55%
EPS NY rev (3m)6.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)6.34%
Revenue NY rev (1m)0%
Revenue NY rev (3m)7.5%
Valuation
Industry RankSector Rank
PE 6.26
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)3.62
EY15.98%
EPS(NY)5.84
Fwd EY25.78%
FCF(TTM)35.77
FCFY157.88%
OCF(TTM)35.9
OCFY158.43%
SpS41.2
BVpS35.83
TBVpS-25.65
PEG (NY)0.1
PEG (5Y)N/A
Graham Number54.03
Profitability
Industry RankSector Rank
ROA 0.46%
ROE 9.27%
ROCE 0.79%
ROIC 0.65%
ROICexc 0.66%
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 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-Score7
WACC7.4%
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)-15.02%
EPS 3YN/A
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%13.21%
Revenue Next Year13.46%
Revenue Next 2Y10.67%
Revenue Next 3YN/A
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 9 / 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 5 / 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%.