Bull Rankings model

F&G Annuities & Life, Inc. (FG) stock analysis

Insurance - Life. Scored on the same transparent model behind the daily rankings.

★
FG
F&G Annuities & Life, Inc. · Insurance - Life
76.1Financial strength
$19.09Oct 13 close$2.5B
1Y Target$20.62Model estimate · no analyst coverage
5Y Target$26.03Compound horizon
10Y Target$33.38Long-dated conviction
Rev+0.1%
C
Revenue +0.1% — flat, mature phase or headwinds present
P/E6.3x
A
P/E 6.3 — cheapest decile in Financial Services (≈10th pctile)
ROE9.2%
C+
ROE 9.2% — subdued returns on equity
P/B0.54
A
P/B 0.54 — below book value; deep value (verify asset quality)
Yield5.2%
A-
Yield 5.2% — strong income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 76.1 / 100
Profitability51.7
Value (P/B)100.0
Income91.3

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week low
46% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

Why now
Insurance - Life · market cap $2.5b. Down 46% from 52-week high of $35.33 — deep drawdown territory. PEG 0.49 — paying under fair value for the growth rate.
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Down 46% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $20.62 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $26.03 at ~6% CAGR — dividend + buyback compounding. 10 yr $33.38 if the moat survives secular pressure.

Not enough history yet — the model records FG's score after each daily run, and the chart appears once a few days have accumulated.

FG at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY52VALUE100COVERED INCOME9176.1/100 on our peer scale — not the quality-growth score.
PRICE IN ITS 52-WEEK RANGE$19.1LOW $18.8HIGH $35.3Trading near its 52-week low ($18.8–$35.3).
ONE-YEAR MOVE VS ITS BETAFLATThis stock-33%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change-4.5%
90-day change-9.0%
Forward EPS estimate$4.63

Over the last 90 days, what analysts expect FG to earn is materially lower (-9.0%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
104
Position size
$1,985
4.0% of portfolio
Stop price
$14.32
25% below $19.09
$ at risk if stopped
$496.34
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

F&G Annuities & Life, Inc. (FG): score, valuation & FAQ

F&G Annuities & Life, Inc. (FG) is an Insurance - Life company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A), P/B (A) and Yield (A-).

Is FG a good stock to buy?

Bull Rankings grades FG on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A), P/B (A) and Yield (A-). A score is a quantitative screen of F&G Annuities & Life, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade FG?

As a bank, insurer or REIT, FG isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A), P/B (A) and Yield (A-).

Is FG overvalued or undervalued?

We don't publish a discounted-cash-flow value for FG, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. FG is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in FG?

Down 46% from the 52-week high — the market is pricing in something the screen can't see; verify the bear case before sizing up. Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.

New to these metrics? See the guides and the methodology.

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