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FG

NEUTRAL
$27.99 Live
F&G Annuities & Life, Inc. · NYSE
Target $27.0 (-3.5%)
$20.57 52W Range $36.7
Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 27, 2026
Market cap
$3.8B
P/E
14.89
ROE
6.0%
Profit margin
4.6%
Debt/Equity
0.46
Dividend yield
3.57%

AI Analysis

AI-powered fundamental assessment

Confidence
80%
F&G Annuities & Life presents a classic value trap profile, characterized by a stable Piotroski F-Score of 4/9 and a Graham Number ($38.71) that suggests significant undervaluation relative to the current price of $27.99. However, this valuation is offset by a severe collapse in earnings growth (-64.20% YoY) and a bearish technical trend (0/100). While the company trades below book value (P/B 0.79) and maintains a sustainable dividend, the volatility in quarterly EPS and the discrepancy between the Graham Number and the growth-based Intrinsic Value ($13.16) indicate fundamental instability.

Key Strengths

Trading at a discount to book value (P/B 0.79)
Strong defensive valuation per Graham Number ($38.71)
Low Debt/Equity ratio (0.46) relative to sector averages
Consistent revenue growth (13.20% YoY)
Sustainable dividend payout ratio (48.40%)

Key Risks

Severe earnings contraction (-64.20% YoY)
Extremely low Quick Ratio (0.12) indicating liquidity tightness
Bearish technical momentum (0/100 trend score)
High volatility in quarterly earnings with frequent misses
Significant gap between intrinsic growth value ($13.16) and market price
AI Fair Value Estimate
Based on comprehensive analysis
$25.5
-8.9% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
55
Moderate
Value
85
Future
20
Past
50
Health
55
Dividend
65
AI Verdict
Value Trap Risk
Key drivers: Deep value metrics vs. crashing earnings, Bearish technicals, Stable but mediocre financial health
Confidence
85%
Value
85/100

Ref P/E 14.89, P/B 0.79, Graham Number $38.71

Positives
  • P/B < 1.0
  • Price below Graham Number
  • Low Forward P/E (4.62)
Watchpoints
  • Intrinsic value based on growth is very low
Future
20/100

Ref Growth rates

Positives
  • Positive revenue growth
Watchpoints
  • Earnings growth -64.20% YoY
  • Q/Q earnings growth -60.90%
Past
50/100

Ref Historical trends

Positives
  • Strong 3Y and 5Y price appreciation
Watchpoints
  • Poor 1Y performance (-18.2%)
  • Inconsistent EPS track record
Health
55/100

Ref Piotroski F-Score 4/9

Positives
  • Manageable Debt/Equity
  • Piotroski score in 'Stable' range
Watchpoints
  • Quick ratio is critically low
  • ROE is low (6.03%)
Dividend
65/100

Ref Yield 3.57%, Payout 48.40%

Positives
  • Reasonable yield (3.57%)
  • Healthy payout ratio
Watchpoints
  • Earnings decline may threaten future distributions

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$27.99
Analyst Target
$27.0
Upside/Downside
-3.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for FG and closest competitors.

Updated 2026-04-24
FG
F&G Annuities & Life, Inc.
Primary
5Y
+82.7%
3Y
+70.4%
1Y
-18.2%
6M
-4.0%
1M
+13.6%
1W
+3.2%
BAN
BancFirst Corporation
Peer
5Y
+76.0%
3Y
+44.0%
1Y
+8.3%
6M
-7.1%
1M
+5.8%
1W
+0.0%
MRX
Marex Group plc
Peer
5Y
+188.9%
3Y
+188.9%
1Y
+40.5%
6M
+70.5%
1M
+51.5%
1W
+13.3%
IND
Independent Bank Corp.
Peer
5Y
+14.0%
3Y
+41.0%
1Y
+48.8%
6M
+18.9%
1M
+7.2%
1W
-0.9%
WSF
WSFS Financial Corporation
Peer
5Y
+47.0%
3Y
+95.9%
1Y
+38.6%
6M
+33.6%
1M
+8.5%
1W
+1.2%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
14.89
Forward P/E
4.62
PEG Ratio
N/A
P/B Ratio
0.79
P/S Ratio
0.66
EV/Revenue
0.62
EV/EBITDA
6.19
Market Cap
$3.8B

Profitability

Profit margins and return metrics

Profit Margin 4.62%
Operating Margin 11.45%
Gross Margin 30.85%
ROE 6.03%
ROA 0.33%

Growth

Revenue and earnings growth rates

Revenue Growth +13.2%
Earnings Growth -64.2%
Q/Q Revenue Growth +13.47%
Q/Q Earnings Growth -60.9%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
0.46
Low debt
Current Ratio
0.95
Weak
Quick Ratio
0.12
Poor
Cash/Share
$19.21

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$1.7B
Net Margin
7.7%
Total Assets
$98.4B
Liabilities
$93.5B
Equity
$4.8B
Debt/Equity
19.47x
Operating CF
$1.2B
CapEx
$-0.0B
Free Cash Flow
$1.2B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06
$N/A
2026-02-19
$0.91
-24.4% surprise
2025-11-05
$1.22
+25.4% surprise
2025-08-06
$0.77
+34.9% surprise

Financial Services Sector Comparison

Comparing FG against 763 companies in the Financial Services sector (133 bullish, 317 neutral, 313 bearish)
P/E Ratio
14.89
This Stock
vs
38.21
Sector Avg
-61.0% (Discount)
Return on Equity (ROE)
6.03%
This Stock
vs
-1.82%
Sector Avg
-431.0% (Below Avg)
Profit Margin
4.62%
This Stock
vs
75.74%
Sector Avg
-93.9% (Weaker)
Debt to Equity
0.46
This Stock
vs
1.42
Sector Avg
-67.7% (Less Debt)
Revenue Growth
13.2%
This Stock
vs
37.18%
Sector Avg
-64.5% (Slower)
Current Ratio
0.95
This Stock
vs
3.32
Sector Avg
-71.2% (Weaker)

Similar Companies

Peer comparison within the same industry

FG F&G Annuities &...
NEUTRAL
Mkt Cap
$3.8B
P/E
14.9
ROE
6.0%
Price
$27.99
BANF BancFirst Corporation
NEUTRAL
Mkt Cap
$3.8B
P/E
15.9
ROE
13.8%
Price
$112.94
 Compare with FG
MRX Marex Group plc
NEUTRAL
Mkt Cap
$3.8B
P/E
13.6
ROE
27.5%
Price
$53.2
 Compare with FG
INDB Independent Bank Corp.
BULLISH
Mkt Cap
$3.9B
P/E
18.0
ROE
6.3%
Price
$79.43
 Compare with FG
WSFS WSFS Financial...
NEUTRAL
Mkt Cap
$3.7B
P/E
13.8
ROE
10.8%
Price
$70.15
 Compare with FG

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

QUIRK RAYMOND R
Director
Stock Award
2026-04-01
1,067 shares
NOLAN MICHAEL JOSEPH
Director
Stock Award
2026-04-01
1,067 shares
AMMERMAN DOUGLAS KEITH
Director
Stock Award
2026-04-01
863 shares
DOKA CELINA J. WANG
Director
Buy
2026-03-13
4,760 shares · $99,865
QUIRK RAYMOND R
Director
Stock Award
2026-01-05
941 shares
NOLAN MICHAEL JOSEPH
Director
Stock Award
2026-01-05
941 shares
AMMERMAN DOUGLAS KEITH
Director
Stock Award
2026-01-05
762 shares
BLUNT CHRISTOPHER O
Chief Executive Officer
Buy
2026-01-02
5,000 shares · $147,800
BLUNT CHRISTOPHER O
Chief Executive Officer
Buy
2025-11-19
5,000 shares · $149,400
QUIRK RAYMOND R
Director
Stock Award
2025-11-10
6,436 shares
FOLEY WILLIAM P II
Officer and Director
Stock Award
2025-11-10
199,204 shares
BLUNT CHRISTOPHER O
Chief Executive Officer
Stock Award
2025-11-10
260,497 shares
MARTINEZ DOUGLAS
Director
Stock Award
2025-11-10
6,436 shares
GRAVELLE MICHAEL L
General Counsel
Stock Award
2025-11-10
9,194 shares
ROOD JOHN D
Director
Stock Award
2025-11-10
6,436 shares
Insider transactions can signal confidence or concerns about company prospects

Wall Street Analysts

Professional analyst ratings and price targets

Consensus
NONE
1 analysts
Barclays
2026-04-08
Maintains
Equal-Weight Equal-Weight

Past News Coverage

Recent headlines mentioning FG from our newsroom.

Newest → oldest
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