American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) Fund Overview
Educational signal · not a buy or sell recommendation · How to read this
P/E 128.65 means the share price is 128.65 times one year of earnings per share; the S&P 500 usually sits near 20-25. Beta 0.82: the stock has moved about 18% less than the S&P 500.
For informational purposes only. Not financial advice. Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated Mar 16, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief. Data sources: Financial Modeling Prep, Yahoo Finance, SEC EDGAR
Quick AnswerAmerican Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) trades at $14.28. American Funds Retirement Income Portfolio - Moderate Class F-1 is designed for investors nearing or in retirement, offering a blend of American Funds. Sector: Financial services.
Price as of Sep 11, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for FBFWX: FBFWX does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates FBFWX against Financial Services peers across nine fundamental dimensions and assigns a neutral fundamental signal based on the underlying data.
These figures come from statements filed 14 months ago — the most recent this company has published.
American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) Financial Services Profile
American Funds Retirement Income Portfolio - Moderate Class F-1 offers a diversified approach for retirement income, primarily investing in a mix of equity-income, fixed-income, and balanced American Funds. Designed for those in or near retirement, it aims to provide a steady income stream through varying asset allocations and fund weightings.
What Is the Investment Thesis for FBFWX?
With a dividend yield of 5.58% and a beta of 0.82, the fund offers a blend of income generation and moderate risk. The fund's strategy of investing in a mix of American Funds, including equity-income, fixed-income, and balanced funds, provides diversification and potential for consistent returns. A potential catalyst is the ongoing demand for retirement income solutions, driven by an aging population. Investors should monitor the fund's ability to maintain its dividend yield and manage expenses effectively.
Based on FMP financials and quantitative analysis
FBFWX Key Highlights
Market Cap of $1.74B indicates a substantial asset base, providing stability and diversification.
- Dividend Yield of 5.58% offers a significant income stream for retirement-focused investors.
- P/E Ratio of 128.65 suggests a reasonable valuation compared to broader market averages.
- Beta of 0.82 indicates lower volatility compared to the overall market, appealing to risk-averse investors.
- Invests in a mix of American Funds, providing diversification across equity-income, fixed-income, and balanced strategies.
Who Are FBFWX's Competitors?
FBFWX is benchmarked below against 5 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | MoonshotScore |
|---|---|---|---|---|
| EKBDX Allspring Diversified Capital Builder Fund Administrator Class | $15.27 | -0.20% | $1.64B | — |
| FAFWX American Funds Retirement Income Portfolio - Conservative Class F-1 | $13.06 | -0.53% | $1.40B | — |
| FCFWX American Funds Retirement Income Portfolio - Enhanced Class F-1 | $16.14 | -0.55% | $2.32B | — |
| GCMAX Goldman Sachs Mid Cap Value Fund Class A | $39.07 | -1.06% | $1.74B | — |
| GDV The Gabelli Dividend & Income Trust | $29.40 | -1.04% | $2.57B | — |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FBFWX's Key Strengths?
Strong brand recognition of American Funds.
- Diversified investment approach across multiple asset classes.
- Experienced investment management team.
- Consistent income generation for retirees.
What Are FBFWX's Weaknesses?
Relatively low profit margin compared to peers.
- Dependence on the performance of underlying American Funds.
- Potential for underperformance in specific market conditions.
- Higher expense ratios compared to passively managed funds.
What Could Drive FBFWX Stock Higher?
Increasing demand for retirement income solutions due to demographic shifts.
- Strategic asset allocation adjustments to optimize returns and manage risk.
- Potential for new partnerships with retirement plan providers (2026-2027).
- Implementation of advanced analytics and portfolio management tools (2027-2028).
What Are the Key Risks for FBFWX?
Financial-distress signal — its Altman Z-Score of 0.87 sits in the distress zone (elevated bankruptcy risk).
- Rich valuation — a P/E of 128.65 runs well above the Financial Services sector’s ~17.50x, leaving little room for a miss.
- Increased competition from other asset managers offering similar retirement income solutions.
- Changes in interest rates and market volatility impacting investment performance.
- Regulatory changes affecting the asset management industry and retirement planning.
- Dependence on the performance of underlying American Funds, which may underperform in certain market conditions.
- Relatively low profit margin compared to peers, which could limit investment in growth opportunities.
What Are the Growth Opportunities for FBFWX?
- Expansion of Retirement Income Solutions: The increasing number of individuals entering retirement creates a significant growth opportunity for retirement income solutions. The market for retirement income products is projected to reach $22 trillion by 2030. American Funds Retirement Income Portfolio - Moderate Class F-1 can capitalize on this trend by enhancing its product offerings and distribution channels to attract a larger share of the retirement market. Timeline: Ongoing.
- Strategic Asset Allocation: Optimizing the allocation of assets across different asset classes and investment strategies can enhance returns and manage risk. By dynamically adjusting the mix of equity-income, fixed-income, and balanced funds, the portfolio can adapt to changing market conditions and investor needs. This requires continuous monitoring and analysis of market trends and economic indicators. Timeline: Ongoing.
- Enhanced Investor Education and Outreach: Providing educational resources and personalized guidance to investors can increase awareness and adoption of retirement income solutions. By offering webinars, seminars, and one-on-one consultations, American Funds Retirement Income Portfolio - Moderate Class F-1 can build trust and establish itself as a trusted advisor in the retirement planning process. Timeline: Ongoing.
- Technological Innovation: Leveraging technology to improve the investment process and enhance the investor experience can drive growth and efficiency. By implementing advanced analytics and portfolio management tools, American Funds Retirement Income Portfolio - Moderate Class F-1 can optimize its investment strategies and reduce costs. Timeline: 2027-2028.
- Partnerships and Alliances: Collaborating with other financial institutions and retirement plan providers can expand the reach and distribution of retirement income solutions. By forming strategic alliances with insurance companies, brokerage firms, and employer-sponsored retirement plans, American Funds Retirement Income Portfolio - Moderate Class F-1 can tap into new markets and customer segments. Timeline: 2026-2027.
What Are FBFWX's Competitive Advantages?
- Established brand reputation of American Funds.
- Extensive distribution network through financial advisors.
- Diversified investment approach across multiple asset classes.
- Experienced investment management team.
What Does FBFWX Do?
American Funds Retirement Income Portfolio - Moderate Class F-1 is structured to provide a consistent income stream for investors who are in or nearing retirement. The fund operates by strategically allocating investments across a range of American Funds, with a focus on equity-income, fixed-income, and balanced funds. The portfolio's composition is actively managed, adjusting the mix of underlying funds and their respective weightings to adapt to changing market conditions and investor needs. This approach aims to balance income generation with capital preservation, catering to the specific financial goals of retirees. As part of a suite of three American Funds Retirement Income Portfolios, the Moderate Class F-1 option represents a middle-ground risk profile, seeking to provide a moderate level of income while mitigating potential downside risks. The underlying funds are selected for their ability to generate income and maintain a diversified investment approach. The fund's objective is to offer a streamlined solution for retirement income planning, simplifying the investment process for individuals seeking a reliable and professionally managed portfolio.
What Products and Services Does FBFWX Offer?
- Invests in a diversified mix of American Funds.
- Focuses on equity-income, fixed-income, and balanced funds.
- Aims to generate a consistent income stream for retirees.
- Manages asset allocation to balance income and capital preservation.
- Offers a moderate-risk profile within a suite of retirement income portfolios.
- Provides a professionally managed solution for retirement income planning.
How Does FBFWX Make Money?
- Generates revenue through management fees charged on assets under management (AUM).
- AUM is driven by investment performance and net inflows from investors.
- Expenses include investment management fees, administrative costs, and marketing expenses.
What Industry Does FBFWX Operate In?
The asset management industry is characterized by increasing demand for retirement income solutions, driven by demographic shifts and an aging population. Funds like American Funds Retirement Income Portfolio - Moderate Class F-1 compete with other income-focused funds and asset managers, including EKBDX (American Funds Income Fund of America Class B), FAFWX (American Funds Fundamental Investors Class F-1), FCFWX (American Funds Capital Income Builder Class F-1), GCMAX (American Century Capital Value Fund Investor Class), and GDV (Gabelli Dividend & Income Trust). The competitive landscape necessitates a focus on consistent performance, low expenses, and effective risk management.
Who Are FBFWX's Key Customers?
- Individuals in or near retirement seeking income.
- Financial advisors recommending retirement income solutions.
- Retirement plan sponsors offering investment options to employees.
Research confidence
Thin evidence — scoring coverage unknown. Treat this as a starting point, not a conclusion.
- ● Scoring coverage unknown
- ● Price is current
- ● Latest filing 438 days ago
- ● No analyst coverage
- ● This is a fund, not an operating company
MoonshotScore History
Recorded daily since 2026-08-23 · 19 snapshots
| 2026-08-23 | 44 |
| 2026-08-26 | 44 |
| 2026-08-29 | 44 |
| 2026-09-01 | 44 |
| 2026-09-04 | 44 |
| 2026-09-07 | 44 |
| 2026-09-10 | 44 |
What changed?
The score has stayed at 44.
Over the same 18 days the stock moved -0.9%.
Key Financial Metrics
Return on equity for American Funds Retirement Income Portfolio - Moderate Class F-1 stands at 1.0%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.1%, showing how much profit it generates from its asset base. FBFWX trades at a trailing price-to-earnings ratio of 128.65, above the Financial Services sector average of ~17.50x. A current ratio of 1.10 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 0.8%, the inverse of the P/E and a quick read on earnings relative to price.
American Funds Retirement Income Portfolio - Moderate Class F-1 Financial Trajectory
American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) reported $50.18B in revenue for Q2 FY2025, reflecting 23.4% growth compared to the prior quarter. The company recorded a net loss of $36.0M, with diluted EPS of $-0.01. Quarter-over-quarter revenue has been mixed, typical for a unknown company operating in Financial Services. Across the four most recent quarters, FBFWX averaged $0.20 in diluted EPS.
Financial Health
American Funds Retirement Income Portfolio - Moderate Class F-1's Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.87 places it in the distress zone, a signal of elevated financial risk.
FBFWX Financials
Bull Case vs Bear Case
Bull Case
- Strong brand recognition of American Funds.
- Diversified investment approach across multiple asset classes.
- Experienced investment management team.
- Consistent income generation for retirees.
Bear Case
- Relatively low profit margin compared to peers.
- Dependence on the performance of underlying American Funds.
- Potential for underperformance in specific market conditions.
- Higher expense ratios compared to passively managed funds.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 FY2025 | $50.18B | -$36M | -$0.01 |
| Q1 FY2025 | $40.66B | $471M | $0.12 |
| Q4 FY2024 | $48.21B | $1.82B | $0.45 |
| Q3 FY2024 | $46.20B | $892M | $0.22 |
Q2 FY2025 · filed 30 Jun 2025 · SEC EDGAR →
Based on FMP financials and quantitative analysis
FBFWX Latest News
No recent news available for FBFWX.
FBFWX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations collected by Financial Modeling Prep for FBFWX.
Price Targets
Wall Street price target analysis for FBFWX.
FBFWX MoonshotScore
MoonshotScore is Stock Expert AI's proprietary 0-100 research rating, not a buy or sell recommendation. No MoonshotScore is published for FBFWX; grades run from A+ (80-100) to F (below 30).
American Funds Retirement Income Portfolio - Moderate Class F-1 Financial Services Stock: Key Questions Answered
Is FBFWX a good stock?
Stock Expert AI does not rate FBFWX buy, sell or hold. American Funds Retirement Income Portfolio - Moderate Class F-1 has no MoonshotScore yet; read the financial checkup, analyst consensus and risks directly. Whether it fits is your call: check what it sells, whether it earns, what the price assumes, and what would prove you wrong.
What are the main risks for FBFWX?
The main risks for FBFWX include increased competition from other asset managers offering similar retirement income solutions. Changes in interest rates and market volatility could impact investment performance. The fund's performance is dependent on the underlying American Funds, which may underperform in certain market conditions.
What are the key factors to evaluate for FBFWX?
Evaluate FBFWX on fundamentals, analyst consensus, and risk factors. P/E: 128.65x vs the S&P 500's ~20-25x. With a dividend yield of 5.58% and a beta of 0.82, the fund offers a blend of income generation and moderate risk. Not financial advice.
How frequently does FBFWX data refresh on this page?
FBFWX's price was last updated on Sep 11, 2026 and refreshes on page view during U.S. market hours; the quote is a provider snapshot, not an exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven FBFWX's recent stock price performance?
American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong brand recognition of American Funds. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider FBFWX overvalued or undervalued right now?
American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) trades at 128.65x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Can I buy fractional shares of FBFWX?
Yes, most major brokerages offer fractional shares of American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) with no minimum purchase requirement. This means you can invest any dollar amount regardless of the share price. Check your brokerage platform for specific terms, fees, and fractional share availability.
How can I track FBFWX's earnings and financial reports?
American Funds Retirement Income Portfolio - Moderate Class F-1 (FBFWX) reports quarterly earnings approximately 4-6 weeks after each fiscal quarter ends. You can track earnings dates, revenue and EPS estimates, and actual results on this page's Financials tab. Earnings surprises (beats or misses) often cause significant short-term price moves. Your brokerage can send alerts for FBFWX earnings announcements.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Financial data is based on the most recent available information.