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

NYSE:FGSN • US30190A6091

Current stock price

21.3 USD
+0.16 (+0.76%)
Last:

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.
  • FGSN had a positive operating cash flow in the past year.
  • FGSN had positive earnings in 4 of the past 5 years.
  • In the past 5 years FGSN always reported a positive cash flow from operatings.
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 79.59% of its industry peers.
  • FGSN has a worse Return On Equity (5.16%) than 72.79% of its industry peers.
  • FGSN has a Return On Invested Capital of 0.42%. This is in the lower half of the industry: FGSN underperforms 67.35% 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 9.60%.
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

  • Looking at the Profit Margin, with a value of 4.31%, FGSN is doing worse than 70.75% of the companies in the same industry.
  • In the last couple of years the Profit Margin of FGSN has declined.
  • With a Operating Margin value of 8.47%, FGSN is not doing good in the industry: 67.35% of the companies in the same industry are doing better.
  • In the last couple of years the Operating Margin of FGSN has declined.
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

  • 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 number of shares outstanding for FGSN has been increased compared to 5 years ago.
  • Compared to 1 year ago, FGSN has an improved debt to assets ratio.
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's Altman-Z score of 0.11 is fine compared to the rest of the industry. FGSN outperforms 68.03% of its industry peers.
  • The Debt to FCF ratio of FGSN is 0.48, which is an excellent value as it means it would take FGSN, only 0.48 years of fcf income to pay off all of its debts.
  • FGSN has a Debt to FCF ratio of 0.48. This is amongst the best in the industry. FGSN outperforms 80.27% 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.
  • FGSN has a worse Debt to Equity ratio (0.47) than 67.35% of its industry peers.
  • Although FGSN's pure debt/equity ratio does not look good, it has limited outstanding debt compared to the Free Cash Flow. 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 0.47
Debt/FCF 0.48
Altman-Z 0.11
ROIC/WACC0.06
WACC7.65%
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.
  • FGSN has a better Current ratio (0.39) than 73.47% of its industry peers.
  • A Quick Ratio of 0.39 indicates that FGSN may have some problems paying its short term obligations.
  • FGSN's Quick ratio of 0.39 is fine compared to the rest of the industry. FGSN outperforms 73.47% 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%.
  • Measured over the past years, FGSN shows a very strong growth in Revenue. The Revenue has been growing by 32.79% on average per year.
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

  • Based on estimates for the next years, FGSN will show a very strong growth in Earnings Per Share. The EPS will grow by 28.86% on average per year.
  • FGSN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.22% yearly.
EPS Next Y59.91%
EPS Next 2Y37.02%
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

  • The Price/Earnings ratio is 5.88, which indicates a rather cheap valuation of FGSN.
  • Based on the Price/Earnings ratio, FGSN is valued a bit cheaper than 78.23% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.91, FGSN is valued rather cheaply.
  • FGSN is valuated cheaply with a Price/Forward Earnings ratio of 3.68.
  • 84.35% of the companies in the same industry are more expensive than FGSN, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FGSN to the average of the S&P500 Index (21.99), we can say FGSN is valued rather cheaply.
Industry RankSector Rank
PE 5.88
Fwd PE 3.68
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 85.03% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, FGSN is valued cheaper than 97.28% of the companies in the same industry.
Industry RankSector Rank
P/FCF 0.62
EV/EBITDA 3.16
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.
  • 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 2Y37.02%
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

  • With a Yearly Dividend Yield of 3.43%, FGSN has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.37, 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 1.82.
Industry RankSector Rank
Dividend Yield 3.43%

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 2Y37.02%
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 (4/28/2026, 8:04:00 PM)

21.3

+0.16 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Industry Strength38.51
Industry Growth44.1
Earnings (Last)02-19
Earnings (Next)05-06
Inst Owners93.26%
Inst Owner ChangeN/A
Ins Owners2.39%
Ins Owner ChangeN/A
Market Cap2.89B
Revenue(TTM)5.75B
Net Income(TTM)248.00M
Analysts42
Price Target22.89 (7.46%)
Short Float %0.02%
Short Ratio0.44
Dividend
Industry RankSector Rank
Dividend Yield 3.43%
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)-20.81%
PT rev (3m)-10.39%
EPS NQ rev (1m)-21.97%
EPS NQ rev (3m)-21.82%
EPS NY rev (1m)2%
EPS NY rev (3m)-0.91%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.52%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.97%
Valuation
Industry RankSector Rank
PE 5.88
Fwd PE 3.68
P/S 0.5
P/FCF 0.62
P/OCF 0.62
P/B 0.6
P/tB N/A
EV/EBITDA 3.16
EPS(TTM)3.62
EY17%
EPS(NY)5.79
Fwd EY27.18%
FCF(TTM)34.41
FCFY161.54%
OCF(TTM)34.52
OCFY162.06%
SpS42.42
BVpS35.43
TBVpS-26.92
PEG (NY)0.1
PEG (5Y)N/A
Graham Number53.7157 (152.19%)
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
WACC7.65%
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 Y59.91%
EPS Next 2Y37.02%
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.


How profitable is F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) stock?

F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) has a profitability rating of 2 / 10.


Can you provide the financial health for 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 expected EPS growth for FGSN stock?

The Earnings per Share (EPS) of F&G ANNUITIES & LIFE INC - FG 7.3 01/15/65 (FGSN) is expected to grow by 59.91% in the next year.