Provide a range of retirement solutions including fixed and variable annuities. Offer life insurance products such as term and universal life insurance. Now — the numbers.
The company closed last year at a loss: costs ran above sales. The picture changes only if spending is reined in.
An average decline of 40% a year over the last 4 years — the most striking risk in this picture. Red columns mark years that ended in a loss.
At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit indicators sit around the sector average.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
Clearly below the class average.
The stock has been running stronger than the market lately.
Growth: Sales growth trails the sector average.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The company sells $2.9B a year; the problem isn’t sales — it’s costs running above that number.
Over the last 12 months, company executives reported 40 buys and 25 sells. Management buying with its own money is usually read as a good sign.
It pays out $0.98 per share each year — regular cash for whoever holds the stock.
A loss of $366M against $2.9B in annual sales.
The growth engine is running at low revs right now. Report-card grade: 21/100.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 49/100.
On our five-subject report card, CRBG sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: CRBG’s sales are going backwards, and it closed last year at a loss. The road back runs through both.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.