QualityDipStocks / Finance · Life Insurance
F&G Annuities & Life FG
Outside our quality screen, so we don’t track its dips. It’s 38% below its 52-week high.
Outside our quality screen, 8% over its Market Value. No fair value estimate for now: our model doesn’t fit it reliably.
Worth knowing
- Down 39% from its 52-week high while revenue grew 15%
From the data on this page, as of the last close. How we pick these
- Fair value est.
- n/a
- Market Value
- $20.12price +8%
- Off 52-wk high
- −38%
- Risk vs market
- Below marketbeta 0.80
5 bullish · 5 bearish See why
Repriced or dip?
Dip: business intact
The price is 38% below its 52-week high (Dec 11), but the business held up: revenue +9.8%, revenue growth rate +19.7 pts, shares outstanding fewer shares, each owns more.
Some numbers held up (revenue +9.8%, revenue growth rate +19.7 pts, shares outstanding fewer shares, each owns more), others slipped. The price is 38% below its 52-week high.
The price is 38% below its 52-week high, and the business changed too.
Within 10% of its 52-week high, so there is no dip to judge yet.
The evidence 7 numbers, high vs now
- Revenue, last 12 months$5.5B → $6.1B (+9.8%)held up
- Revenue growth rate−4.7% → +15.0% a year (+19.7 pts)held up
- Earnings per share, 12 months$3.22 → $3.06 (−4.8%)about the same
- Shares outstanding−5.8% (fewer shares, each owns more)held up
- Stock vs its sector (Finance)stock −38%, sector median +7% since Dec 11changed
- Price fall vs business numbersprice −38%, revenue/EPS/FCF median +3% (shown, not scored)
- Valuation multipleP/E 10.9× at the high → 7.1× now (shown, not scored)
Business numbers as reported at the high (12 months to Sep 30, 2025) vs the latest filing (12 months to Jun 30, 2026). Each measure is scored from −1 (business changed) to +1 (business intact) and weighted: revenue, earnings per share, free cash flow, operating margin, revenue growth rate, share count, net cash and the move vs its sector. 60 or more reads as a dip, 40 or less as a repricing. Analyst estimates are not in our data, so they are not used. How to read it
Data-based read, not advice.
Priced in
How much growth the market assumed at the 52-week high, the low and today (a reverse DCF).
52-wk high: P/E 10.9×; 52-wk low: P/E 6.1×; now: P/E 7.1×.
| High | Low | Now | |
|---|---|---|---|
| Price | $34.93Dec 11 | $18.90Oct 12 | $21.70 |
| P/E | 10.9× | 6.1× | 7.1× |
What this means: a lower P/E than at the high means you pay less for each dollar of profit than buyers did then.
How it’s computed
Banks, insurers and lenders: cash flow includes deposits and loans, so a cash-flow model doesn't fit; we show P/E at each point instead. P/E = that day's close × diluted shares / 12-month net income, using only the filings that were public on that day.
Valuation
What we estimate it's worth, and how it ranks on value vs every stock we cover.
Fair value estimate
Estimate unreliable for FG: the book-value model gives 100% above the price, more than we can stand behind for a financial company. We’d rather show nothing than a made-up number.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 31 to Nov 2, 252 sessions). Beta = how much FG moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Moves a bit less than the market, and its own price swings are 3.2× the S&P 500’s.
- Beta vs S&P 500
- 0.80
- Volatility
- 40% vs 13% SPY
- Correlation SPY
- 0.25
- Correlation QQQ
- 0.12
Valuation details
MV $20.12
Fundamentals
The business itself: sales, profits, cash and debt, from SEC filings.
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 5 of 5
GrowthSales compounded 35% a year from FY2022 to FY2025.
ValuationP/E of 7.1× vs a 13.6× median for the 291 Finance companies we cover.
Cash returnsDividend yield of 5.2% ($147M paid over 12 months, 37% of earnings).
Cash returnsShare count down 3.0% in a year: $130M of buybacks over 12 months.
GrowthSales grew 15% to $6.1B over the last 12 months vs the 12 months before (SEC filings).
Top bearish points 5 of 5
GrowthDiluted EPS fell 61% to $1.88 in FY2025.
ProfitabilityNet margin of 6.6%, below the 22% median for the 281 Finance companies we cover.
ProfitabilityReturn on equity of 8.9%, below the 12% median for the 291 Finance companies we cover.
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%.
ValuationTrades 7.9% above its Market Value of $20.12, the average price paid since the Oct 5 filing.
All fundamentals
P/E 7.1 · ROE 9% · Sales +15%
Valuation
- P/E
- 7.1×Finance median 13.6×
- Price / FCF
- n/acash flow isn't a clean measure for an insurer
- FCF yield
- n/acash flow isn't a clean measure for an insurer
- EV / EBITDA
- n/anot meaningful for an insurer
- Price / sales
- 0.47×
- Price / book
- 0.62×
- Market cap
- $2.8Bprice × diluted shares
- Enterprise value
- $3.0B
Growth
- Revenue, 12 months
- $6.1B
- Sales growth, 12 months
- +15.0%vs the 12 months before
- Sales growth, 3 yrs
- +34.6%/yrfrom FY2022
- Diluted EPS, 12 months
- $3.04
- EPS growth, last FY
- −61.5%
- Net income, 12 months
- $401M
- Net income growth
- +24%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for an insurer
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- 6.6%
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- 9%
- Return on invested capital
- n/anot meaningful for an insurer
Balance sheet
- Cash & short-term inv.
- $2.1B
- Total debt
- $2.2B
- Net cash
- n/anot meaningful for an insurer
- Debt / equity
- n/adeposits/float make debt/equity not comparable for an insurer
- Interest coverage
- n/anot meaningful for an insurer
Cash flow & returns
- Free cash flow, 12 months
- n/anot reported in its SEC filings
- FCF growth, 12 months
- n/anot reported in its SEC filings
- Dividend yield
- 5.17%$147M paid
- Payout ratio
- 37%
- Buybacks, 12 months
- $130M4.6% of market cap
- Share count, 1 year
- −3.0%diluted shares vs a year ago
- Stock-based comp
- $34M
Trailing 12 months to Jun 30, 2026; balance sheet at Jun 30, 2026. From F&G Annuities & Life’s SEC filings. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
The business
FCF $2.3B · Sales +4%
- Free cash flow, 12 months$2.3B
- Free-cash-flow yield81.1%
- Return on equity9%
- Sales growth (latest quarter vs year-ago quarter)+4%
Chart & levels
Where the price is vs its key levels and trends.
Key levels
Every level vs today’s $21.70
- 52-wk lowlowest close, 1 year$18.90−12.9%
- Market Valueavg paid since Oct 5$20.12−7.3%
- PriceMon Nov 2 close$21.70you are here
- 52-wk highhighest close, 1 year$34.93+61.0%
Momentum & 52-week range
RSI 57 · 5 days +5.5%
Signals
Reversal signal setups, the public ledger and the next earnings date.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Next report
Nov 5
- DateThu Nov 5, after the close
- Consensus EPS$0.60
- Year-ago EPS$1.22
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
FG is outside our quality screen
One text when a published rule fires on one of the 332 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.
Voices & buzz
Who is talking about it, and how it compares with peers.
Who’s talking about it
Notable investors, executives, analysts and public figures on F&G Annuities & Life in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 3, 1:01 PM ET.
Compare with peers
Closest in size in Life Insurance
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.