Stocks · Financial Services · Insurance - Life
F&G Annuities & Life, Inc. FGN
$23.75 -0.21% Close, Oct 2, 2026 · NYSE · Market cap $4.24B
High qualityWeak trendInexpensive vs sectorLow risk
Next earnings report: Nov 11, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $2.90, up 94.1% year over year.
- Operating margin widened to 46.3% from 34.8% a year earlier.
- The stock is in a downtrend: below its 200-day average, with the 50-day average below the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 30%
- EPS growth (TTM, YoY)Top 13%
- FCF growth (TTM, YoY)Bottom 11%
- Revenue growth, 3-year CAGRTop 14%
- Revenue growth accelerationBottom 30%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 35%
- Gross marginBottom 37%
- Operating marginTop 9%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 22%
- Net debt / EBITDA (lower is better)Top 31%
- Interest coverTop 9%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 9%
- Free-cash-flow yieldTop 3%
- EBITDA / enterprise valueTop 4%
- Sales / enterprise valueTop 7%
- P/E vs own 5-year history (lower is better)Top 31%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 18%
- 6-month returnBottom 16%
- 1-year return vs S&P 500Bottom 22%
- Distance from 52-week highBottom 44%
- Trend checklist (0–4)Bottom 9%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 18%
- Consecutive EPS beatsBottom 17%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 20%
- Maximum drawdown, 3 yearsTop 21%
- Beta vs S&P 500 (lower is better)Top 17%
- Net debt / EBITDA (lower is better)Top 31%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 18.0% | 14.8% | ↓ |
| EPS growth (YoY) | 81.4% | 94.1% | ↑ |
| Gross margin | 89.7% | 60.2% | ↓ |
| Operating margin | 34.8% | 46.3% | ↑ |
| FCF margin | 120.8% | 52.1% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 14.8% | 18.0% | ↓ | Top 30% |
| EPS growth (TTM, YoY) | 94.1% | 81.4% | ↑ | Top 13% |
| Gross margin | 60.2% | 89.7% | ↓ | Bottom 37% |
| Operating margin | 46.3% | 34.8% | ↑ | Top 9% |
| Net margin | 6.9% | 10.4% | ↓ | — |
| Free-cash-flow margin | 52.1% | 120.8% | ↓ | — |
| Return on invested capital | 0.4% | — | Bottom 35% | |
| Revenue growth, 3-year CAGR | 34.0% | — | Top 14% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -2.7%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 0.09×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 17.0×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.55%
- Net buyback yield (TTM)
- 2.90%
- Shareholder yield
- 5.45%
- Share count change, 1 year
- -3.0%
- Share count change, 3-year CAGR
- +1.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 6, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 3 of 8
- Average EPS surprise, last 4
- -6.1%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 0 of 8
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 5, 2026 | -16.3% | -0.8% | -0.3% | -2.1% | — |
| May 6, 2026 | -8.8% | -0.2% | -0.3% | -0.8% | -1.8% |
| Feb 19, 2026 | -24.2% | -0.0% | -1.7% | -5.9% | -4.7% |
| Nov 6, 2025 | +24.7% | +1.1% | +2.1% | -0.5% | -1.4% |
| Aug 6, 2025 | +24.8% | +0.1% | +0.0% | -1.9% | -1.9% |
| May 7, 2025 | -29.4% | +1.1% | +1.4% | -0.0% | +4.9% |
| Feb 20, 2025 | -4.3% | -0.1% | +1.2% | -2.4% | -2.7% |
| Nov 6, 2024 | +11.9% | -0.4% | -0.3% | -0.1% | -3.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 5, 2026 | $0.65 | $0.78 | -16.3% | $1.46B |
| May 6, 2026 | $0.82 | $0.90 | -8.8% | $2.25B |
| Feb 19, 2026 | $0.91 | $1.20 | -24.2% | $2.30B |
| Nov 6, 2025 | $1.22 | $0.98 | +24.7% | $2.80B |
| Aug 6, 2025 | $0.77 | $0.62 | +24.8% | $2.74B |
| May 7, 2025 | $0.72 | $1.02 | -29.4% | $2.18B |
| Feb 20, 2025 | $1.12 | $1.17 | -4.3% | $2.44B |
| Nov 6, 2024 | $1.22 | $1.09 | +11.9% | $2.39B |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 8.2× | 10.5× | 33th | Top 9% |
| P/E (forward) | 4.3× | — | — | — |
| EV / EBITDA | 3.0× | — | — | Top 4% |
| EV / Sales | 0.72× | — | — | Top 7% |
| Free-cash-flow yield | 74.49% | — | — | Top 3% |
| Earnings yield | 12.21% | — | — | Top 9% |
P/E over the past five years
Range 2.4× – 66.5× since Dec 31, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- -10.9%
- Earnings per share growth (TTM)
- +94.1%
- Change in P/E multiple
- -52.4%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✗ Price above 200-day average
- ✗ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 0
- 50-day average slope (20 days)
- -0.8%
- 200-day average slope (20 days)
- -0.7%
- Distance from 50-day average
- -3.1%
- Distance from 200-day average
- -4.9%
- RSI (14)
- 32.6
- Relative volume
- 0.86×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 10.4%
- Volatility vs own 5-year history
- 58th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.11
- Correlation with S&P 500
- 0.16
- Current drawdown from 1-year high
- -11.6%
- Maximum drawdown, 3 years
- -14.6%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 29, 2024 | Mar 12, 2026 | -14.6% | 319 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $4.24B
- P/E (TTM)
- 8.2
- EPS, diluted (TTM)
- $2.90
- Revenue (TTM)
- $6.07B
- Dividend yield
- 8.37%
- 52-week range
- $23.10 – $26.97
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.97B | $2.38B | $4.54B | $5.74B | $5.73B |
| Gross profit | $3.97B | $2.38B | $4.54B | $5.74B | $1.77B |
| Operating income | $3.84B | $2.23B | $4.30B | $944.0M | $323.0M |
| Net income | $1.24B | $635.0M | -$58.0M | $622.0M | $265.0M |
| EPS (diluted) | $8.24 | $5.52 | -$0.47 | $4.75 | $1.88 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.45B | $1.56B | $908.0M | $1.36B | $1.69B | $1.76B | $1.19B | $1.42B |
| Net income | $203.0M | $327.0M | -$21.0M | $40.0M | $118.0M | $128.0M | $249.0M | -$76.0M |
| EPS (diluted) | $1.51 | -$0.08 | -$0.20 | $0.26 | $0.85 | $0.89 | $1.78 | -$0.62 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $2.02B | $3.48B | $6.17B | $6.00B | $0 |
| Capital expenditure | -$33.0M | -$32.0M | -$27.0M | -$24.0M | $0 |
| Free cash flow | $1.99B | $3.45B | $6.15B | $5.97B | $0 |
| Dividends paid | $0 | $0 | -$101.0M | -$121.0M | $0 |
| Net share buybacks | $0 | $0 | -$18.0M | -$12.0M | $0 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $2.65B
- Total assets
- $103.59B
- Total liabilities
- $98.90B
- Total debt
- $2.24B
- Net debt
- $136.0M
- Shareholders’ equity
- $4.61B
As of Jun 30, 2026 (filed Aug 6, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 1, 2026 | $0.50 | Sep 15, 2026 |
| Jun 1, 2026 | $0.50 | Jun 15, 2026 |
| Feb 27, 2026 | $0.50 | Mar 16, 2026 |
| Dec 1, 2025 | $0.50 | Dec 15, 2025 |
| Aug 29, 2025 | $0.50 | Sep 15, 2025 |
| May 30, 2025 | $0.50 | Jun 16, 2025 |
| Feb 28, 2025 | $0.50 | Mar 17, 2025 |
| Nov 29, 2024 | $0.00 | Dec 16, 2024 |
Short interest
- Shares sold short
- 10,925
- Days to cover
- 1.00
- Change vs previous report
- +484.5%
FINRA short interest, settlement date Sep 15, 2026.