F&G Annuities & Life, Inc.
F&G Annuities & Life, Inc. Fundamental Analysis
F&G Annuities & Life, Inc. (FGN) shows moderate financial fundamentals with a PE ratio of 7.40, profit margin of 8.40%, and ROE of 10.56%. The company generates $7.5B in annual revenue with strong year-over-year growth of 27.35%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 67.2/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze FGN's fundamental strength across five key dimensions:
Efficiency Score
WeakFGN struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFGN trades at attractive valuation levels.
Growth Score
ExcellentFGN delivers strong and consistent growth momentum.
Financial Health Score
ModerateFGN shows balanced financial health with some risks.
Profitability Score
WeakFGN struggles to sustain strong margins.
Key Financial Metrics
Is FGN Expensive or Cheap?
P/E Ratio
FGN trades at 7.40 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FGN's PEG of -0.16 indicates potential undervaluation.
Price to Book
The market values F&G Annuities & Life, Inc. at 0.71 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 4.76 times EBITDA. This is generally considered low.
How Well Does FGN Make Money?
Net Profit Margin
For every $100 in sales, F&G Annuities & Life, Inc. keeps $8.40 as profit after all expenses.
Operating Margin
Core operations generate 62.23 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.56 in profit for every $100 of shareholder equity.
ROA
F&G Annuities & Life, Inc. generates $0.48 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
F&G Annuities & Life, Inc. generates strong operating cash flow of $7.07B, reflecting robust business health.
Free Cash Flow
F&G Annuities & Life, Inc. generates strong free cash flow of $7.04B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $39.43 in free cash annually.
FCF Yield
FGN converts 1.10% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
7.40
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.71
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.85
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.46
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.005
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How FGN Stacks Against Its Sector Peers
| Metric | FGN Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 7.40 | 18.86 | Better (Cheaper) |
| ROE | 10.56% | 847.00% | Weak |
| Net Margin | 8.40% | 4202.00% | Weak |
| Debt/Equity | 0.46 | 0.91 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 667.17 | Weak Liquidity |
| ROA | 0.48% | -21543.00% (disorted) | Weak |
FGN outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews F&G Annuities & Life, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
445.93%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
165.68%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
1476.10%
Industry Style: Value, Dividend, Cyclical
High Growth