F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) Stock Fundamental Analysis
USA - NYSE:FGSN - US30190A6091
23.86 USD
+0.19 (+0.8%)
We assign a fundamental rating of 4 out of 10 to FGSN. FGSN was compared to 146 industry peers in the Insurance industry. While FGSN seems to be doing ok healthwise, 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.
FGSN had a positive operating cash flow in the past year.
In multiple years FGSN reported negative net income over the last 5 years.
FGSN had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of FGSN (0.35%) is worse than 73.97% of its industry peers.
Looking at the Return On Equity, with a value of 7.28%, FGSN is doing worse than 67.12% of the companies in the same industry.
FGSN's Return On Invested Capital of 0.53% is on the low side compared to the rest of the industry. FGSN is outperformed by 65.75% of its industry peers.
FGSN had an Average Return On Invested Capital over the past 3 years of 0.65%. This is below the industry average of 4.55%.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 7.28% | ||
| ROIC | 0.53% |
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
The Profit Margin of FGSN (6.09%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of FGSN has declined.
FGSN has a Operating Margin (10.70%) 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 | 10.7% | ||
| PM (TTM) | 6.09% | ||
| 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.
FGSN has a worse debt/assets ratio than last year.
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 Altman-Z score of 0.12. This is in the better half of the industry: FGSN outperforms 65.75% of its industry peers.
The Debt to FCF ratio of FGSN is 0.37, which is an excellent value as it means it would take FGSN, only 0.37 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.37, FGSN belongs to the top of the industry, outperforming 88.36% of the companies in the same industry.
FGSN has a Debt/Equity ratio of 0.50. This is a neutral value indicating FGSN is somewhat dependend on debt financing.
The Debt to Equity ratio of FGSN (0.50) is worse than 65.75% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 0.37 | ||
| Altman-Z | 0.12 |
ROIC/WACC0.07
WACC7.46%
2.3 Liquidity
FGSN has a Current Ratio of 0.38. 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 Current ratio (0.38) than 73.29% of its industry peers.
A Quick Ratio of 0.38 indicates that FGSN may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.38, FGSN is in the better half of the industry, outperforming 73.29% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.38 | ||
| Quick Ratio | 0.38 |
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%.
FGSN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 9.33% yearly.
FGSN shows a strong growth in Revenue. In the last year, the Revenue has grown by 31.17%.
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)31.17%
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 17.27% yearly.
The Revenue is expected to grow by 5.70% on average over the next years.
EPS Next Y-10.9%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
EPS Next 5YN/A
Revenue Next Year-6.63%
Revenue Next 2Y5.7%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.23 indicates a rather cheap valuation of FGSN.
78.77% of the companies in the same industry are more expensive than FGSN, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.28, FGSN is valued rather cheaply.
With a Price/Forward Earnings ratio of 4.09, the valuation of FGSN can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FGSN indicates a rather cheap valuation: FGSN is cheaper than 85.62% of the companies listed in the same industry.
FGSN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.61.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 4.09 |
4.2 Price Multiples
89.04% 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 98.63% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.54 | ||
| EV/EBITDA | 3 |
4.3 Compensation for Growth
FGSN's earnings are expected to grow with 17.27% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)0.67
EPS Next 2Y17.03%
EPS Next 3Y17.27%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 7.54%, FGSN is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.39, FGSN pays a better dividend. On top of this FGSN pays more dividend than 91.78% of the companies listed in the same industry.
FGSN's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.54% |
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 39.94% of its income as dividend. This is a sustainable payout ratio.
DP39.94%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65
NYSE:FGSN (11/10/2025, 4:10:02 PM)
23.86
+0.19 (+0.8%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners95.9%
Inst Owner ChangeN/A
Ins Owners2%
Ins Owner ChangeN/A
Market Cap3.21B
Revenue(TTM)5.78B
Net Income(TTM)323.00M
Analysts42
Price Target26.64 (11.65%)
Short Float %0.01%
Short Ratio0.35
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 7.54% |
Yearly Dividend0.96
Dividend Growth(5Y)N/A
DP39.94%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.81%
Min EPS beat(2)-27.3%
Max EPS beat(2)30.92%
EPS beat(4)2
Avg EPS beat(4)0.55%
Min EPS beat(4)-27.3%
Max EPS beat(4)30.92%
EPS beat(8)2
Avg EPS beat(8)-9.16%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-14.03%
Min Revenue beat(2)-40.15%
Max Revenue beat(2)12.08%
Revenue beat(4)3
Avg Revenue beat(4)-0.08%
Min Revenue beat(4)-40.15%
Max Revenue beat(4)14.6%
Revenue beat(8)5
Avg Revenue beat(8)2.93%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-3.98%
PT rev (3m)4.36%
EPS NQ rev (1m)-4.84%
EPS NQ rev (3m)-1.12%
EPS NY rev (1m)-1.34%
EPS NY rev (3m)8.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.7%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.23 | ||
| Fwd PE | 4.09 | ||
| P/S | 0.61 | ||
| P/FCF | 0.54 | ||
| P/OCF | 0.54 | ||
| P/B | 0.72 | ||
| P/tB | N/A | ||
| EV/EBITDA | 3 |
EPS(TTM)3.83
EY16.05%
EPS(NY)5.83
Fwd EY24.45%
FCF(TTM)44.3
FCFY185.67%
OCF(TTM)44.46
OCFY186.32%
SpS39.42
BVpS32.96
TBVpS-27.36
PEG (NY)N/A
PEG (5Y)0.67
Graham Number53.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.35% | ||
| ROE | 7.28% | ||
| ROCE | 0.64% | ||
| ROIC | 0.53% | ||
| ROICexc | 0.54% | ||
| ROICexgc | 0.76% | ||
| OM | 10.7% | ||
| PM (TTM) | 6.09% | ||
| GM | N/A | ||
| FCFM | 112.38% |
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-Score4
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.5 | ||
| Debt/FCF | 0.37 | ||
| Debt/EBITDA | 1.9 | ||
| Cap/Depr | 3.44% | ||
| Cap/Sales | 0.4% | ||
| Interest Coverage | 3.94 | ||
| Cash Conversion | 508.15% | ||
| Profit Quality | 1846.75% | ||
| Current Ratio | 0.38 | ||
| Quick Ratio | 0.38 | ||
| Altman-Z | 0.12 |
F-Score4
WACC7.46%
ROIC/WACC0.07
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-10.9%
EPS Next 2Y17.03%
EPS Next 3Y17.27%
EPS Next 5YN/A
Revenue 1Y (TTM)31.17%
Revenue growth 3Y13.4%
Revenue growth 5Y24.99%
Sales Q2Q%17.31%
Revenue Next Year-6.63%
Revenue Next 2Y5.7%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y11.59%
EBIT growth 3Y-6.3%
EBIT growth 5Y14.97%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y13.97%
FCF growth 3Y48.14%
FCF growth 5Y56.47%
OCF growth 1Y13.8%
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 7 / 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 5 / 10 and the dividend payout ratio is 39.94%.