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

NYSE:FGSN • US30190A6091

Current stock price

20 USD
-0.27 (-1.33%)
At close:
20.1 USD
+0.1 (+0.5%)
After Hours:

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

2

1. FGSN Profitability Analysis

1.1 Basic Checks

  • FGSN had positive earnings in the past year.
  • In the past year FGSN had a positive cash flow from operations.
  • FGSN had positive earnings in 4 of the past 5 years.
  • FGSN had a positive operating cash flow in each of the past 5 years.
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 2025 0 2B 4B

1.2 Ratios

  • The Return On Assets of FGSN (0.25%) is worse than 77.70% of its industry peers.
  • The Return On Equity of FGSN (5.16%) is worse than 69.59% of its industry peers.
  • The Return On Invested Capital of FGSN (0.42%) is worse than 68.24% of its industry peers.
  • Measured over the past 3 years, the Average Return On Invested Capital for FGSN is significantly below the industry average of 9.34%.
Industry RankSector Rank
ROA 0.25%
ROE 5.16%
ROIC 0.42%
ROA(3y)0.3%
ROA(5y)0.71%
ROE(3y)6.35%
ROE(5y)11.66%
ROIC(3y)0.47%
ROIC(5y)0.87%
FGSN Yearly ROA, ROE, ROICFGSN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 5 10 15

1.3 Margins

  • FGSN's Profit Margin of 4.31% is on the low side compared to the rest of the industry. FGSN is outperformed by 69.59% of its industry peers.
  • FGSN's Profit Margin has declined in the last couple of years.
  • With a Operating Margin value of 8.47%, FGSN is not doing good in the industry: 68.92% of the companies in the same industry are doing better.
  • FGSN's Operating Margin has declined in the last couple of years.
Industry RankSector Rank
OM 8.47%
PM (TTM) 4.31%
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
FGSN Yearly Profit, Operating, Gross MarginsFGSN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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5

2. FGSN Health Analysis

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.
  • Compared to 5 years ago, FGSN has more shares outstanding
  • FGSN has a better debt/assets ratio than last year.
FGSN Yearly Shares OutstandingFGSN Yearly Shares OutstandingYearly Shares Outstanding 2020 2021 2022 2023 2024 2025 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 2025 20B 40B 60B 80B

2.2 Solvency

  • FGSN has an Altman-Z score of 0.11. This is a bad value and indicates that FGSN is not financially healthy and even has some risk of bankruptcy.
  • FGSN has a Altman-Z score of 0.11. This is in the better half of the industry: FGSN outperforms 68.92% of its industry peers.
  • FGSN has a debt to FCF ratio of 0.48. This is a very positive value and a sign of high solvency as it would only need 0.48 years to pay back of all of its debts.
  • The Debt to FCF ratio of FGSN (0.48) is better than 80.41% of its industry peers.
  • FGSN has a Debt/Equity ratio of 0.47. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of FGSN (0.47) is worse than 66.89% of its industry peers.
  • 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 RankSector Rank
Debt/Equity 0.47
Debt/FCF 0.48
Altman-Z 0.11
ROIC/WACC0.06
WACC7.6%
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 2025 1B 2B 3B 4B 5B

2.3 Liquidity

  • A Current Ratio of 0.39 indicates that FGSN may have some problems paying its short term obligations.
  • With a decent Current ratio value of 0.39, FGSN is doing good in the industry, outperforming 72.30% 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.
  • The Quick ratio of FGSN (0.39) is better than 72.30% of its industry peers.
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 2025 2B 4B 6B

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

5

3. FGSN Growth Analysis

3.1 Past

  • FGSN shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -15.02%.
  • Measured over the past years, FGSN shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -23.40% on average per year.
  • FGSN shows a decrease in Revenue. In the last year, the revenue decreased by -0.45%.
  • The Revenue has been growing by 32.79% on average over the past years. This is a very strong growth!
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 28.86% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 7.22% on average over the next years.
EPS Next Y56.78%
EPS Next 2Y34.67%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue Next Year8.95%
Revenue Next 2Y7.22%
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.
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 2028 2 4 6

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9

4. FGSN Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 5.52, the valuation of FGSN can be described as very cheap.
  • Based on the Price/Earnings ratio, FGSN is valued a bit cheaper than 79.05% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of FGSN to the average of the S&P500 Index (25.50), we can say FGSN is valued rather cheaply.
  • A Price/Forward Earnings ratio of 3.52 indicates a rather cheap valuation of FGSN.
  • 84.46% of the companies in the same industry are more expensive than FGSN, based on the Price/Forward Earnings ratio.
  • FGSN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.67.
Industry RankSector Rank
PE 5.52
Fwd PE 3.52
FGSN Price Earnings VS Forward Price EarningsFGSN 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, FGSN is valued cheaply inside the industry as 82.43% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, FGSN is valued cheaply inside the industry as 98.65% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.58
EV/EBITDA 3.04
FGSN Per share dataFGSN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 40

4.3 Compensation for Growth

  • FGSN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as FGSN's earnings are expected to grow with 28.86% in the coming years.
PEG (NY)0.1
PEG (5Y)N/A
EPS Next 2Y34.67%
EPS Next 3Y28.86%

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

3

5. FGSN Dividend Analysis

5.1 Amount

  • FGSN has a Yearly Dividend Yield of 3.98%.
  • Compared to an average industry Dividend Yield of 2.84, FGSN pays a bit more dividend than its industry peers.
  • FGSN's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.98%

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

  • FGSN pays out 55.24% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP55.24%
EPS Next 2Y34.67%
EPS Next 3Y28.86%
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 2025 0 2B 4B
FGSN Dividend Payout.FGSN Dividend Payout, showing the Payout Ratio.FGSN Dividend Payout.PayoutRetained Earnings

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FGSN Fundamentals: All Metrics, Ratios and Statistics

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

NYSE:FGSN (3/24/2026, 7:31:10 PM)

After market: 20.1 +0.1 (+0.5%)

20

-0.27 (-1.33%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)02-19
Earnings (Next)05-05
Inst Owners93.3%
Inst Owner ChangeN/A
Ins Owners2.43%
Ins Owner ChangeN/A
Market Cap2.71B
Revenue(TTM)5.75B
Net Income(TTM)248.00M
Analysts42
Price Target28.9 (44.5%)
Short Float %0.02%
Short Ratio0.38
Dividend
Industry RankSector Rank
Dividend Yield 3.98%
Yearly Dividend1.04
Dividend Growth(5Y)N/A
DP55.24%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-2.38%
Min EPS beat(2)-26.56%
Max EPS beat(2)21.8%
EPS beat(4)2
Avg EPS beat(4)-0.28%
Min EPS beat(4)-27.3%
Max EPS beat(4)30.92%
EPS beat(8)3
Avg EPS beat(8)-3.08%
EPS beat(12)3
Avg EPS beat(12)-13.07%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)30.97%
Min Revenue beat(2)17.31%
Max Revenue beat(2)44.63%
Revenue beat(4)3
Avg Revenue beat(4)8.47%
Min Revenue beat(4)-40.15%
Max Revenue beat(4)44.63%
Revenue beat(8)6
Avg Revenue beat(8)10.23%
Revenue beat(12)8
Avg Revenue beat(12)10.8%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)17.36%
PT rev (3m)21.52%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)0.35%
EPS NY rev (1m)-2.85%
EPS NY rev (3m)-2.48%
Revenue NQ rev (1m)-2.52%
Revenue NQ rev (3m)-2.52%
Revenue NY rev (1m)-3.97%
Revenue NY rev (3m)-3.97%
Valuation
Industry RankSector Rank
PE 5.52
Fwd PE 3.52
P/S 0.47
P/FCF 0.58
P/OCF 0.58
P/B 0.56
P/tB N/A
EV/EBITDA 3.04
EPS(TTM)3.62
EY18.1%
EPS(NY)5.68
Fwd EY28.38%
FCF(TTM)34.41
FCFY172.04%
OCF(TTM)34.52
OCFY172.59%
SpS42.42
BVpS35.43
TBVpS-26.92
PEG (NY)0.1
PEG (5Y)N/A
Graham Number53.72
Profitability
Industry RankSector Rank
ROA 0.25%
ROE 5.16%
ROCE 0.51%
ROIC 0.42%
ROICexc 0.43%
ROICexgc 0.61%
OM 8.47%
PM (TTM) 4.31%
GM N/A
FCFM 81.12%
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-Score4
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 0.47
Debt/FCF 0.48
Debt/EBITDA 1.94
Cap/Depr 2.26%
Cap/Sales 0.26%
Interest Coverage 3.12
Cash Conversion 406.34%
Profit Quality 1881.45%
Current Ratio 0.39
Quick Ratio 0.39
Altman-Z 0.11
F-Score4
WACC7.6%
ROIC/WACC0.06
Cap/Depr(3y)4.34%
Cap/Depr(5y)5.91%
Cap/Sales(3y)0.43%
Cap/Sales(5y)0.7%
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 Y56.78%
EPS Next 2Y34.67%
EPS Next 3Y28.86%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.45%
Revenue growth 3Y34.79%
Revenue growth 5Y32.79%
Sales Q2Q%47.79%
Revenue Next Year8.95%
Revenue Next 2Y7.22%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-46.48%
EBIT growth 3Y-8.08%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-21.91%
FCF growth 3Y14.13%
FCF growth 5Y166.06%
OCF growth 1Y-21.97%
OCF growth 3Y13.86%
OCF growth 5Y136.7%

F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 / FGSN Fundamental Analysis 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 5 / 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 3 / 10 and the dividend payout ratio is 55.24%.