Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
F&G Annuities & Life Inc. (FG)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: FG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $38.5
1 Year Target Price $38.5
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -16.82% | Avg. Invested days 29 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.67B USD | Price to earnings Ratio 13.69 | 1Y Target Price 38.5 |
Price to earnings Ratio 13.69 | 1Y Target Price 38.5 | ||
Volume (30-day avg) 2 | Beta 1.6 | 52 Weeks Range 29.89 - 49.89 | Updated Date 08/29/2025 |
52 Weeks Range 29.89 - 49.89 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 2.54% | Basic EPS (TTM) 2.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-08-06 | When - | Estimate 0.571 | Actual 0.26 |
Profitability
Profit Margin 6.4% | Operating Margin (TTM) 7.19% |
Management Effectiveness
Return on Assets (TTM) 0.42% | Return on Equity (TTM) 8.22% |
Valuation
Trailing PE 13.69 | Forward PE 4.86 | Enterprise Value 4987879324 | Price to Sales(TTM) 0.88 |
Enterprise Value 4987879324 | Price to Sales(TTM) 0.88 | ||
Enterprise Value to Revenue 1 | Enterprise Value to EBITDA - | Shares Outstanding 134648992 | Shares Floating 20925770 |
Shares Outstanding 134648992 | Shares Floating 20925770 | ||
Percent Insiders 2.15 | Percent Institutions 95.94 |
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 initially focused on traditional life insurance. Over time, it shifted its emphasis to fixed and fixed indexed annuities. In 2020, F&G was acquired by Fidelity National Financial, Inc.
Core Business Areas
- Individual Annuities: Focuses on providing annuity products to individuals, primarily fixed indexed annuities and fixed annuities, designed for retirement income and wealth accumulation.
- Institutional Markets: Offers reinsurance solutions and other institutional products, catering to insurance companies and other financial institutions.
Leadership and Structure
The CEO of F&G Annuities & Life Inc. is Chris Blunt. The organizational structure includes departments for sales, marketing, actuarial, investment, and risk management, reporting to the executive leadership team.
Top Products and Market Share
Key Offerings
- Fixed Indexed Annuities (FIAs): FIAs are F&G's primary product. They offer a fixed return with the potential for additional interest linked to the performance of a market index. Market share data is difficult to pinpoint exactly, but F&G is a major player in the FIA market. Competitors include Athene, Allianz Life, and Pacific Life.
- Fixed Rate Annuities: Fixed rate annuities provide a guaranteed rate of return for a specified period. While less prominent than FIAs, they remain part of F&G's offerings. Competitors include New York Life and MassMutual.
Market Dynamics
Industry Overview
The annuity market is influenced by interest rates, demographic trends (aging population), and investor sentiment regarding market volatility. Increasing longevity risk is a tailwind, while regulatory changes and low interest rate environments can present challenges.
Positioning
F&G Annuities & Life Inc. is positioned as a leading provider of fixed indexed annuities, emphasizing its competitive rates, innovative product designs, and strong distribution network. They focus on the middle market and aim to provide secure retirement solutions.
Total Addressable Market (TAM)
The total annuity market in the US is estimated to be worth hundreds of billions of dollars annually. F&G is positioned to capture a portion of this TAM through its focus on FIAs and its distribution network. The TAM includes all retirement savings and investment products that compete for consumer dollars, but the annuity market is a distinct subset.
Upturn SWOT Analysis
Strengths
- Strong Distribution Network
- Competitive Product Offerings (FIAs)
- Experienced Management Team
- Sound Risk Management Practices
Weaknesses
- Reliance on FIA Sales
- Sensitivity to Interest Rate Changes
- Potential for Regulatory Scrutiny
- Brand Recognition Lower Compared to Larger Insurers
Opportunities
- Expanding Distribution Channels
- Developing New Product Innovations (e.g., Hybrid Annuities)
- Capitalizing on Growing Retirement Market
- Strategic Acquisitions
Threats
- Rising Interest Rates
- Increased Competition
- Changes in Regulatory Environment
- Economic Downturn Affecting Sales
Competitors and Market Share
Key Competitors
- GL
- ATH
- PRU
Competitive Landscape
F&G Annuities & Life Inc. competes with larger, more established insurers. Its advantage lies in its focus on FIAs and its strong distribution network. Disadvantages include lower brand recognition and reliance on a single product line.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by the popularity of FIAs and effective distribution strategies. See parent company Fidelity National Financial (FNF).
Future Projections: Future growth projections depend on market conditions, product innovation, and competitive pressures. See parent company Fidelity National Financial (FNF).
Recent Initiatives: Recent initiatives may include product enhancements, expansion of distribution partnerships, and investments in technology.
Summary
F&G Annuities & Life Inc. is a strong player in the fixed indexed annuity market, benefiting from a robust distribution network and competitive product offerings. Its reliance on FIAs and sensitivity to interest rate changes pose potential risks. Expanding into new product lines and leveraging strategic opportunities will be crucial for sustained growth. F&G should continue to innovate and watch out for economic threats.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Analyst Reports
- Parent Company Financial Filings (FNF)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary. Financial performance is based on available information and may not be comprehensive.
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 1200 | Website https://www.fglife.com |
Full time employees 1200 | 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.