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Upturn AI SWOT - About
F&G Annuities & Life Inc. (FG)
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Upturn Advisory Summary
03/10/2025: FG (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -29.04% | Avg. Invested days 29 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/10/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.97B USD | Price to earnings Ratio 7.56 | 1Y Target Price 44.33 |
Price to earnings Ratio 7.56 | 1Y Target Price 44.33 | ||
Volume (30-day avg) 83781 | Beta 1.77 | 52 Weeks Range 34.08 - 50.24 | Updated Date 04/2/2025 |
52 Weeks Range 34.08 - 50.24 | Updated Date 04/2/2025 | ||
Dividends yield (FY) 2.39% | Basic EPS (TTM) 4.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.06% | Operating Margin (TTM) 28.85% |
Management Effectiveness
Return on Assets (TTM) 0.73% | Return on Equity (TTM) 17.89% |
Valuation
Trailing PE 7.56 | Forward PE 4.86 | Enterprise Value 4887452322 | Price to Sales(TTM) 0.86 |
Enterprise Value 4887452322 | Price to Sales(TTM) 0.86 | ||
Enterprise Value to Revenue 0.9 | Enterprise Value to EBITDA - | Shares Outstanding 134774000 | Shares Floating 13238973 |
Shares Outstanding 134774000 | Shares Floating 13238973 | ||
Percent Insiders 2.02 | Percent Institutions 93.21 |
Analyst Ratings
Rating 3 | Target Price 47 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 3 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
F&G Annuities & Life Inc.
Company Overview
History and Background
F&G Annuities & Life Inc., formerly known as Fidelity & Guaranty Life Insurance Company, was founded in 1959. It has evolved from a subsidiary of various financial institutions to an independent entity focused on providing annuity and life insurance solutions. A key milestone was its acquisition by CF Corp. in 2017, leading to its public listing, and subsequently being acquired by Aspida Holdings, owned by Ares Management, in 2023.
Core Business Areas
- Individual Annuities: Offers a range of fixed, fixed indexed, and variable annuities designed to provide retirement income and wealth accumulation.
- Life Insurance: Provides life insurance products, including term and whole life policies, designed to offer financial protection for families.
- Institutional Markets: Engages in reinsurance and other institutional business activities.
Leadership and Structure
Aspida Holdings is the parent company. Isaac Lowy serves as the president, leading a team of executives responsible for various functions including sales, finance, and operations. The organizational structure is typical of insurance companies, with functional departments supporting the core business lines.
Top Products and Market Share
Key Offerings
- Fixed Indexed Annuities: These annuities offer a blend of fixed returns and potential gains linked to a market index, providing growth opportunities with downside protection. While specific market share data for F&G alone is hard to find, indexed annuities are a significant part of the overall annuity market, which is competitive. Competitors include Athene (ATH), Allianz Life, and Lincoln Financial (LNC).
- Fixed Rate Annuities: Offer a guaranteed interest rate for a set period, providing stable and predictable returns. Competitors include New York Life, MassMutual and Global Atlantic
Market Dynamics
Industry Overview
The annuity and life insurance industry is influenced by factors such as interest rates, demographic trends (aging population), regulatory changes, and market volatility. There is increasing demand for retirement income solutions, particularly as more individuals approach retirement age.
Positioning
F&G Annuities & Life Inc. positions itself as a provider of secure and reliable retirement and insurance solutions, focusing on product innovation and distribution partnerships.
Total Addressable Market (TAM)
The U.S. annuity market is estimated to be hundreds of billions of dollars annually. The TAM for life insurance is even larger. F&G is positioned to capture a share of this market through its diverse product offerings and distribution channels.
Upturn SWOT Analysis
Strengths
- Strong distribution network
- Diverse product portfolio
- Experienced management team
- Focus on customer service
Weaknesses
- Sensitivity to interest rate fluctuations
- Reliance on external distribution partners
- Brand recognition compared to larger competitors
- Exposure to regulatory changes
Opportunities
- Expanding distribution channels
- Developing new and innovative products
- Capitalizing on the growing demand for retirement income solutions
- Acquiring smaller competitors or complementary businesses
Threats
- Increased competition from other insurance and financial services companies
- Changes in regulatory requirements
- Economic downturns impacting sales and investment returns
- Negative publicity or reputational damage
Competitors and Market Share
Key Competitors
- ATH
- LNC
- PRU
- MET
- SLF
Competitive Landscape
F&G faces competition from larger, more established players with greater brand recognition and financial resources. However, F&G can differentiate itself through product innovation, customer service, and strategic partnerships. F&G, being a mid-sized company, can be more nimble.
Major Acquisitions
IAS Re
- Year: 2023
- Acquisition Price (USD millions):
- Strategic Rationale: This acquisition increases the company's financial strength and strategic advantage. IAS Re is a life and annuity reinsurer.
Growth Trajectory and Initiatives
Historical Growth: Growth trends reflect broader annuity and life insurance trends but unavailable to the public.
Future Projections: Unavailable
Recent Initiatives: Focus on expanding its distribution network, enhancing its product offerings, and improving its technology infrastructure.
Summary
F&G Annuities & Life Inc. is a mid-sized player in the competitive annuity and life insurance market. Its strengths lie in its diverse product portfolio and established distribution network. The company faces challenges related to interest rate sensitivity and competition from larger firms. F&G should focus on product innovation and strategic partnerships to capitalize on growth opportunities.
Similar Companies
LNC
Lincoln National Corporation
LNC
Lincoln National Corporation
MET
MetLife Inc
MET
MetLife Inc
PRU
Prudential Financial Inc
PRU
Prudential Financial Inc
SLF
Sun Life Financial Inc.
SLF
Sun Life Financial Inc.
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
The information provided is for informational purposes only and should not be construed as investment advice. Market share data is based on publicly available information and estimates. Financial data relies on sources available at time of analysis.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About F&G Annuities & Life Inc.
Exchange NYSE | Headquaters Des Moines, IA, United States | ||
IPO Launch date 2022-12-01 | CEO & Director Mr. Christopher Owsley Blunt | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 1338 | Website https://www.fglife.com |
Full time employees 1338 | Website https://www.fglife.com | ||
F&G Annuities & Life, Inc., together with its subsidiaries, provides annuity and life insurance products in the United States. It offers fixed indexed annuities registered index-linked annuities, and multi-year guarantee annuities; immediate annuities; indexed universal life insurance; pension risk transfer solutions; and institutional funding agreements. The company distributes its products through independent agents, banks, and broker-dealers to 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.
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