Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI Summary - About
F&G Annuities & Life Inc. (FG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FG
10/23/2026: FG (1-star) is currently NOT-A-BUY. Pass it for now.
F&G Annuities & Life Inc. is a focused insurance provider specializing in fixed indexed and guaranteed annuities, catering to individuals seeking retirement income and capital protection. The company has a strong, efficient distribution network through independent partners and benefits from institutional support provided by Fidelity National Financial. Its primary growth opportunity lies in capturing retirement savings as the baby boomer demographic reaches retirement age. Key risks include significant competition in the annuity market and sensitivity to interest rate fluctuations that impact margins. The stock may suit value-oriented investors who value steady dividends and long-term income, though potential investors should monitor regulatory developments and interest rate trends closely.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | F&G offers steady growth in the retirement sector but lacks the high-velocity scalability of technology or growth stocks. |
| Momentum investor | Mixed fit | The stock can follow industry trends, though it often trades based on long-term macro factors rather than short-term price momentum. |
| Value investor | Strong fit | F&G is often priced at attractive valuation multiples relative to its earnings power and underlying book value. |
| Dividend investor | Strong fit | The company provides a reliable dividend yield that is attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While established, the company's business model is subject to interest rate and credit market risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock can experience swings based on interest rate forecasts and general insurance sector sentiment. |
| Valuation risk | Low | Current valuations generally reflect the company's earnings trajectory and risks within the insurance sector. |
| Competition risk (Annuity market) | High | F&G operates in a highly competitive space with well-capitalized firms seeking similar retirement market share. |
| Business quality | Medium | The company has strong, focused operations, though its lack of extreme scale remains a constraint. |
| Dividend income | Low / none | The dividend is considered stable, minimizing income-related risk for investors. |
| Execution risk | Medium | Success depends on maintaining effective distribution partnerships and disciplined investment management. |
Price Behavior
Downtrend
The stock has experienced a sustained decline in price over recent periods.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -49.28% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/23/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.71B USD | Price to earnings Ratio 6.82 | 1Y Target Price 24 |
Price to earnings Ratio 6.82 | 1Y Target Price 24 | ||
Volume (30-day avg) 807.3K shares | Beta 1.26 | 52 Weeks Range 18.75 - 34.01 | Updated Date 10/23/2026 |
52 Weeks Range 18.75 - 34.01 | Updated Date 10/23/2026 | ||
Dividends yield (FY) 4.66% | Basic EPS (TTM) 3.03 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Annuities | Fixed Indexed Annuities and Multi-Year Guaranteed Annuities. | F&G earns money by investing premiums collected from annuity sales at higher yields than what they pay out to policyholders. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 6.82 | Forward PE 4.86 | Enterprise Value 3.17B | Price to Sales(TTM) 0.45 |
Enterprise Value 3.17B | Price to Sales(TTM) 0.45 | ||
Enterprise Value to Revenue 0.56 | Enterprise Value to EBITDA - | Shares Outstanding 130.94M | Shares Floating 33.15M |
Shares Outstanding 130.94M | Shares Floating 33.15M | ||
Percent Insiders 2.73 | Percent Institutions 97.77 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.