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Upturn AI SWOT - About
F&G Annuities & Life Inc. (FG)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/15/2025: 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.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $34
1 Year Target Price $34
| 0 | Strong Buy |
| 0 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.8% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.06B USD | Price to earnings Ratio 12.02 | 1Y Target Price 34 |
Price to earnings Ratio 12.02 | 1Y Target Price 34 | ||
Volume (30-day avg) 2 | Beta 1.54 | 52 Weeks Range 28.78 - 49.57 | Updated Date 10/15/2025 |
52 Weeks Range 28.78 - 49.57 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 3.04% | Basic EPS (TTM) 2.51 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | Actual - |
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 12.02 | Forward PE 4.86 | Enterprise Value 4485639293 | Price to Sales(TTM) 0.76 |
Enterprise Value 4485639293 | Price to Sales(TTM) 0.76 | ||
Enterprise Value to Revenue 0.9 | Enterprise Value to EBITDA - | Shares Outstanding 134648802 | Shares Floating 20917691 |
Shares Outstanding 134648802 | Shares Floating 20917691 | ||
Percent Insiders 2.13 | Percent Institutions 95.91 |
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 to become a provider of annuity and life insurance solutions. Throughout its history, F&G has focused on providing financial security and retirement planning tools.
Core Business Areas
- Individual Annuities: Focuses on fixed indexed annuities (FIAs) and fixed rate annuities to help customers grow and protect retirement savings. These products often offer principal protection and potential for interest crediting based on market performance.
- Life Insurance: Provides life insurance products designed to help protect loved ones financially. These products include term life and other protection-focused offerings.
Leadership and Structure
The leadership team comprises experienced executives in the insurance and financial services industries. The company has a typical corporate structure with departments focused on product development, sales, finance, and risk management.
Top Products and Market Share
Key Offerings
- Fixed Indexed Annuities (FIAs): FIAs are F&G's core product. These annuities provide principal protection and the opportunity to earn interest linked to a market index. Competitors include Athene, Allianz Life, and Pacific Life. Market share data can vary but F&G is a major player in the FIA market. Exact market share figures are constantly updated.
- Fixed Rate Annuities: Fixed rate annuities provide a guaranteed rate of return for a specific period. Competitors include Symetra, Western & Southern Financial Group, and Global Atlantic Financial Group. F&G holds a significant portion of the fixed annuity market as well.
Market Dynamics
Industry Overview
The annuity market is driven by demographic trends like aging populations and increased focus on retirement planning. Low interest rates and market volatility influence product design and consumer demand. Increasing regulation also plays a significant role.
Positioning
F&G Annuities & Life Inc. positions itself as a provider of secure and reliable retirement solutions, particularly appealing to risk-averse investors seeking guaranteed income and principal protection. It competes with large, established players in the insurance and financial services industry.
Total Addressable Market (TAM)
The total addressable market for annuities is in the hundreds of billions of dollars annually. F&G is positioned to capture a portion of this market through its product offerings and distribution network.
Upturn SWOT Analysis
Strengths
- Strong distribution network through independent agents and financial advisors
- Competitive product offerings in the FIA market
- Focus on risk management and financial stability
- Experienced management team
Weaknesses
- Reliance on independent distribution channels
- Sensitivity to interest rate fluctuations
- Exposure to regulatory changes
- Potential for lapse rates to affect profitability
Opportunities
- Expanding product offerings to meet evolving customer needs
- Leveraging technology to improve efficiency and customer experience
- Capitalizing on demographic trends driving demand for retirement income solutions
- Growing distribution network
Threats
- Increasing competition from other annuity providers
- Changes in interest rates impacting profitability
- Regulatory changes affecting annuity products
- Economic downturns reducing consumer demand
Competitors and Market Share
Key Competitors
- ATH
- ALL
- PFC
- GBL
Competitive Landscape
F&G competes with larger, more established players in the annuity market. Its competitive advantages include its focus on FIAs, its strong distribution network, and its commitment to risk management. Disadvantages could include its smaller size and lower brand recognition compared to some competitors.
Major Acquisitions
IAS Re
- Year: 2022
- Acquisition Price (USD millions): 275
- Strategic Rationale: Reinforces F&G's focus on fixed annuity and life insurance segments, enhancing its existing business. Strategic investment to grow third-party capital
Growth Trajectory and Initiatives
Historical Growth: Growth is largely dependent on sales of FIAs and other annuity products. The growth rate would need to be assessed via financial records.
Future Projections: Future growth projections would depend on market conditions, product innovation, and competitive landscape.
Recent Initiatives: Recent initiatives could include new product launches, distribution partnerships, and technological upgrades.
Summary
F&G Annuities & Life, Inc. is a prominent player in the annuity market, particularly known for its fixed indexed annuity products. Its strong distribution network and focus on risk management are key strengths. The company needs to be mindful of interest rate fluctuations and regulatory changes. Overall, F&G is positioned for future growth through strategic initiatives and leveraging demographic trends.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Financial News Articles
- SEC Filings (where applicable)
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered financial advice. Market data and financial performance may vary.
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.
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