F&G Annuities & Life, Inc.
$25.91
+0.35%F&G Annuities & Life, Inc. provides fixed annuities and life insurance products. It serves retail annuity and life customers, as well as institutional clients. The company was founded in 1959 and is headquartered in Des Moines, Iowa. F&G Annuities & Life, Inc. is a subsidiary of Fidelity National Financial, Inc.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is compressed (P/E 13.7).
Valuation inputs: P/E 13.7, earnings yield +7.3%, momentum +0.3%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +5.5%, ROIC +0.3%).
Profitability stack: net margin +4.6%, ROE +5.5%, ROIC +0.3%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +95.0%, momentum +0.3%, net margin +4.6%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
F&G Annuities & Life, Inc. Market vs Earnings Trajectory
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F&G Annuities & Life, Inc. Fair Value Envelope
F&G Annuities & Life, Inc. Profit Bridge
Profitability Analysis
Gross Margin
Moderate margins typical of competitive industries. Monitor for pricing pressure or rising costs.
Operating Margin
Acceptable margins but limited operational leverage. Operating expense control is important.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Moderate tax rate typical for most corporations. Represents standard tax burden on profits.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
F&G Annuities & Life, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
F&G Annuities & Life, Inc. Funding & Solvency Profile
Financial Health Analysis
Debt-to-Equity Ratio
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
F&G Annuities & Life, Inc. Street Expectations Map
Wall Street analysts project that FG stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 31.00, with estimates ranging from a low of 31.00 to a high of 31.00.
The consensus 1-year price target stands at 31.00, with estimates ranging from a low of 31.00 to a high of 31.00.
Analyst Consensus Analysis
Upside Potential
Strong upside potential. Consensus indicates attractive return opportunity with favorable risk-reward profile.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Strong buy conviction: High upside with tight consensus suggests compelling investment opportunity backed by analyst confidence.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
F&G Annuities & Life, Inc. Insider Positioning
During the last 12 months, insiders have purchased $845K and sold $101K worth of FG shares, resulting in $744K of net buying activity.
3 Months
14.8K
309.76K
0
0.00
+310K
+$310K
3-6 Months
5.0K
147.80K
0
0.00
+148K
+$148K
6-9 Months
5.0K
149.40K
3.0K
101.43K
+48K
+$48K
9-12 Months
7.0K
238.15K
0
0.00
+238K
+$238K
Top Buyers
Blunt Christopher O
Director, Officer: Chief Executive Officer
$745K
Doka Celina J. Wang
Director
$100K
Top Sellers
Punjabi Leena
Officer: Evp, Chief Investment Officer
$101K
Insider Activity Analysis
Net Insider Sentiment
Strong bullish signal with $744K net buying. Insiders are aggressively accumulating shares, suggesting significant confidence in future prospects.
Buy/Sell Ratio
Exceptional buy/sell ratio. Buying dramatically outweighs selling—one of the strongest possible insider signals.
Recent Trend (3 Months)
Very strong recent buying momentum. Recent insider purchases significantly outpace sales, suggesting near-term optimism.
Insider Participation
2 insider buyers vs. 1 sellers. More insiders buying than selling indicates positive sentiment.
Insider Activity Insight
Compelling insider conviction: The combination of strong buy/sell ratio and multiple buyers suggests insiders see attractive risk/reward. Consider this alongside fundamental analysis for confirmation.
fg Dividend History
Learning Layer
Related Guides
Build conviction on FG by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.