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Upturn AI SWOT - About
F&G Annuities & Life Inc. (FG)
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Upturn Advisory Summary
09/12/2025: 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 -16.38% | Avg. Invested days 30 | 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 09/12/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 4.65B USD | Price to earnings Ratio 13.76 | 1Y Target Price 38.5 |
Price to earnings Ratio 13.76 | 1Y Target Price 38.5 | ||
Volume (30-day avg) 2 | Beta 1.6 | 52 Weeks Range 29.89 - 49.89 | Updated Date 09/13/2025 |
52 Weeks Range 29.89 - 49.89 | Updated Date 09/13/2025 | ||
Dividends yield (FY) 2.55% | 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 13.76 | Forward PE 4.86 | Enterprise Value 5012116109 | Price to Sales(TTM) 0.88 |
Enterprise Value 5012116109 | Price to Sales(TTM) 0.88 | ||
Enterprise Value to Revenue 1 | Enterprise Value to EBITDA - | Shares Outstanding 134648992 | Shares Floating 20917691 |
Shares Outstanding 134648992 | Shares Floating 20917691 | ||
Percent Insiders 2.16 | Percent Institutions 95.95 |
Upturn AI SWOT
F&G Annuities & Life Inc.
Company Overview
History and Background
F&G Annuities & Life Inc., formerly known as Fidelity & Guaranty Life, was founded in 1959. Initially part of the insurance operations of U.S. Fidelity & Guaranty Company, it has evolved through various ownership structures, including being a publicly traded company and later becoming part of HRG Group. In 2020, F&G was acquired by Fidelity National Financial (FNF) and later spun off. It focuses on providing annuity and life insurance products.
Core Business Areas
- Individual Annuities: Offers a range of fixed, fixed indexed, and variable annuities designed to provide retirement income and wealth accumulation. These products cater to individuals looking for both growth potential and protection of principal.
- Life Insurance: Provides a variety of life insurance products, including term, whole, and universal life insurance, to protect families and individuals against financial loss due to death.
- Institutional Markets: Engages in reinsurance transactions and other institutional activities.
Leadership and Structure
The CEO of F&G Annuities & Life Inc. is Chris Blunt. The company has a typical corporate structure with executive leadership overseeing various departments such as sales, marketing, finance, and operations. F&G is ultimately controlled by Lee Equity Partners.
Top Products and Market Share
Key Offerings
- Fixed Indexed Annuities (FIAs): FIAs are a core product, offering principal protection with upside potential linked to market indexes. Competitors include Athene, Lincoln National, and Pacific Life. Market share is significant within the FIA segment. Market share data is not readily available for individual competitors and can fluctuate.
- Fixed Rate Annuities: Offer a guaranteed interest rate for a specific period. Competitors include New York Life, MassMutual, and Western & Southern Financial Group. Market share data is not readily available for individual competitors and can fluctuate.
Market Dynamics
Industry Overview
The annuity and life insurance industry is characterized by intense competition, fluctuating interest rates, evolving regulatory landscapes, and demographic shifts related to aging populations. Demand is driven by individuals seeking retirement income security and wealth accumulation.
Positioning
F&G Annuities & Life Inc. positions itself as a provider of simple, consumer-friendly retirement solutions with strong distribution relationships, especially in the independent agency channel. Its competitive advantage lies in product innovation, risk management, and strong capital position.
Total Addressable Market (TAM)
The total U.S. annuity market is estimated to be worth hundreds of billions of dollars annually. F&G Annuities & Life Inc. is well-positioned to capture a meaningful share of this market given its product offerings and distribution network.
Upturn SWOT Analysis
Strengths
- Strong distribution network
- Product innovation
- Sound risk management practices
- Strong capital position
- Experienced management team
Weaknesses
- Reliance on interest rate environment
- Sensitivity to regulatory changes
- Brand awareness compared to larger peers
- Susceptibility to market volatility
Opportunities
- Growing demand for retirement income solutions
- Expansion into new distribution channels
- Acquisitions and strategic partnerships
- Product development to meet evolving consumer needs
- Technological advancements
Threats
- Economic downturns
- Increased competition
- Regulatory changes
- Interest rate volatility
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Athene Holding Ltd (ATH)
- Lincoln National Corporation (LNC)
- Prudential Financial Inc (PRU)
- AIG (AIG)
- Protective Life Corp. (Part of Dai-ichi Life Holdings)
Competitive Landscape
F&G competes effectively through product innovation, a strong distribution network, and competitive pricing. However, it faces challenges from larger, more established players with greater brand recognition and financial resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are not publicly available for this privately held company.
Future Projections: Future growth projections are not publicly available for this privately held company.
Recent Initiatives: Recent strategic initiatives include expansion of distribution partnerships and new product launches.
Summary
F&G Annuities & Life Inc. is a key player in the annuity and life insurance markets, demonstrating strengths in product innovation and distribution. However, its sensitivity to market volatility and regulatory changes, like many companies, must be carefully managed. Brand awareness remains a challenge compared to larger competitors. The company's success hinges on its ability to adapt to evolving market dynamics and capitalize on growing demand for retirement income solutions.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- Market Analysis
- SEC Filings of competitors
Disclaimers:
This analysis is based on available information and general market knowledge. Actual performance may vary. Market share estimates are approximations. Financial data is limited for this private entity.
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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