F&G Annuities & Life, Inc. (FG)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
F&G Annuities & Life, Inc. (FG) trades at $28.37 with AI Score 64/100 (Grade B+). F&G Annuities & Life, Inc. is a provider of fixed annuities and life insurance products, serving both retail and institutional clients. Market cap: $3.76B, Sector: Financial services.
Price live · AI analysis from May 10, 2026FG stock analysis for 2026: Analysts have set a consensus price target of $29.50 for F&G Annuities & Life, Inc., suggesting 4.0% upside from the current price of $28.37. The AI MoonshotScore is 64/100, indicating a bullish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
FG: 4/7 perspectives are bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →F&G Annuities & Life, Inc. (FG) Financial Services Profile
F&G Annuities & Life, Inc. offers fixed annuities and life insurance solutions to retail and institutional markets. As a subsidiary of Fidelity National Financial, the company leverages its established position to provide financial security products, competing with other major players in the insurance sector with a focus on customer service and product innovation.
What Is the Investment Thesis for FG?
F&G Annuities & Life, Inc. presents an interesting investment profile within the financial services sector. With a P/E ratio of 5.1 and a dividend yield of 3.32%, the company offers potential value and income. A profit margin of 9.0% and gross margin of 21.0% indicate solid profitability. The company's beta of 1.34 suggests higher volatility compared to the market. Growth catalysts include expanding its product offerings and penetrating new markets. Potential risks involve regulatory changes and increased competition. Investors may want to evaluate these factors when evaluating F&G's long-term prospects.
Based on FMP financials and quantitative analysis
FG Key Highlights
- Market capitalization of $3.76B, reflecting its significant presence in the insurance market.
- P/E ratio of 5.1, suggesting a potentially undervalued stock compared to its earnings.
- Dividend yield of 3.32%, providing a steady income stream for investors.
- Profit margin of 9.0%, indicating efficient operations and profitability.
- Beta of 1.34, suggesting higher volatility compared to the market, which could present both opportunities and risks for investors.
Who Are FG's Competitors?
FG is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| MCY Mercury General Corporation | $110.38 | -0.09% | $6.11B | 98 |
| FHI Federated Hermes, Inc. | $57.82 | +2.16% | $4.39B | 96 |
| CNO CNO Financial Group, Inc. | $52.43 | +0.00% | $4.89B | 81 |
| TCBI Texas Capital Bancshares, Inc. | $105.25 | +1.25% | $4.60B | 93 |
| SFBS ServisFirst Bancshares, Inc. | $87.74 | +1.27% | $4.80B | 79 |
| PUK Prudential plc | $28.07 | +1.87% | $35.02B | 67 |
| JXN-PA Jackson Financial Inc. | $25.40 | +0.19% | $7.30B | 64 |
| AEL American Equity Investment Life Holding Company | $56.47 | +0.55% | $4.49B | 64 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are FG's Key Strengths?
- Strong financial backing from Fidelity National Financial, Inc.
- Established presence in the fixed annuity and life insurance market.
- Diversified product portfolio catering to retail and institutional clients.
- Experienced management team with a proven track record.
What Are FG's Weaknesses?
- Exposure to interest rate risk and market volatility.
- Dependence on distribution through financial advisors and brokers.
- Limited brand recognition compared to larger competitors.
- Potential for regulatory changes impacting the insurance industry.
What Could Drive FG Stock Higher?
- Launch of new annuity products designed to meet the evolving needs of retirees (Q3 2026).
- Expansion of digital distribution channels to reach a wider customer base.
- Strategic partnerships with financial institutions to enhance product offerings and market reach.
What Are the Key Risks for FG?
- Financial-distress signal — its Altman Z-Score of 0.52 sits in the distress zone (elevated bankruptcy risk).
- Changes in interest rates impacting the profitability of annuity products.
- Increased competition from established and emerging players in the insurance industry.
- Regulatory scrutiny and compliance costs impacting the financial services sector.
- Economic downturns impacting the demand for financial products.
What Are the Growth Opportunities for FG?
- Expansion into new geographic markets: F&G can explore opportunities to expand its services into underserved geographic regions. By targeting specific demographics and tailoring its product offerings, F&G can tap into new customer bases. The market size for annuities and life insurance in emerging markets is estimated to reach $500 billion by 2030, offering significant growth potential. Timeline: 2027-2030.
- Development of innovative product offerings: F&G can invest in research and development to create innovative annuity and life insurance products that cater to evolving customer needs. This includes incorporating digital solutions and personalized financial planning tools. The market for personalized financial products is projected to reach $100 billion by 2028, presenting a substantial growth opportunity. Timeline: 2026-2028.
- Strategic partnerships and acquisitions: F&G can pursue strategic partnerships and acquisitions to expand its market reach and product portfolio. Collaborating with other financial institutions and acquiring complementary businesses can enhance F&G's competitive position. The market for insurance acquisitions is estimated at $50 billion annually, providing opportunities for strategic growth. Timeline: Ongoing.
- Enhancement of digital capabilities: F&G can invest in enhancing its digital capabilities to improve customer experience and streamline operations. This includes developing user-friendly online platforms and mobile applications. The market for digital insurance solutions is projected to reach $200 billion by 2029, highlighting the importance of digital transformation. Timeline: 2026-2029.
- Focus on customer education and financial literacy: F&G can invest in customer education and financial literacy programs to build trust and attract new customers. By providing valuable resources and guidance, F&G can establish itself as a trusted advisor in the financial services industry. The market for financial literacy programs is growing at a rate of 15% annually, indicating a strong demand for educational resources. Timeline: Ongoing.
What Opportunities Does FG Have?
- Expansion into new geographic markets and customer segments.
- Development of innovative annuity and life insurance products.
- Strategic partnerships and acquisitions to expand market reach.
- Leveraging digital technologies to improve customer experience.
What Threats Does FG Face?
- Increased competition from established and emerging players.
- Changing consumer preferences and demand for alternative investment options.
- Economic downturns impacting the demand for financial products.
- Regulatory scrutiny and compliance costs.
What Are FG's Competitive Advantages?
- Established brand reputation and trust in the financial services industry.
- Strong distribution network through financial advisors and brokers.
- Expertise in managing investment portfolios to support annuity and insurance obligations.
- Access to resources and expertise as a subsidiary of Fidelity National Financial, Inc.
What Does FG Do?
F&G Annuities & Life, Inc., established in 1959, has evolved into a key player in the fixed annuity and life insurance market. Headquartered in Des Moines, Iowa, the company provides a range of financial products designed to offer security and growth to its clients. Initially focused on serving the local community, F&G expanded its reach to become a national provider, catering to both retail customers and institutional clients. The company's core offerings include fixed annuities, which provide a guaranteed income stream, and life insurance policies aimed at protecting families and individuals. F&G differentiates itself through a commitment to customer service, product innovation, and strategic partnerships. As a subsidiary of Fidelity National Financial, Inc., F&G benefits from the resources and expertise of a larger organization, enhancing its ability to compete effectively in the dynamic insurance landscape. The company continues to adapt to changing market conditions and consumer needs, solidifying its position as a trusted provider of financial solutions.
What Products and Services Does FG Offer?
- Provide fixed annuities to retail customers.
- Offer life insurance products to individuals and families.
- Serve institutional clients with customized annuity solutions.
- Manage investment portfolios to support annuity and insurance obligations.
- Offer financial planning services to help customers achieve their retirement goals.
- Provide customer service and support through various channels, including online, phone, and in-person.
How Does FG Make Money?
- Generate revenue through premiums from annuity and life insurance policies.
- Invest premiums in a diversified portfolio of assets to generate investment income.
- Manage expenses to maintain profitability and financial stability.
- Pay out benefits to policyholders according to the terms of their contracts.
What Industry Does FG Operate In?
F&G Annuities & Life, Inc. operates within the competitive life insurance and annuity sector. The industry is characterized by evolving regulatory landscapes, shifting consumer preferences, and increasing demand for retirement income solutions. Companies like F&G face competition from established players and new entrants, all vying for market share. The market is influenced by macroeconomic factors such as interest rates and economic growth. F&G's focus on fixed annuities and life insurance positions it to capitalize on the growing need for secure retirement options, but it must navigate the challenges of regulatory compliance and competitive pressures.
Who Are FG's Key Customers?
- Retail customers seeking fixed annuities for retirement income.
- Individuals and families looking for life insurance protection.
- Institutional clients, such as pension funds and corporations, seeking annuity solutions.
- Financial advisors and brokers who distribute F&G's products to their clients.
How F&G Annuities & Life, Inc. Is Valued
F&G Annuities & Life, Inc. carries a market capitalization of $3.76B, placing it in the mid-cap category. Relative to its peer group, FG's quantitative score of 64/100 is below the peer average of 89/100.
Company Profile
F&G Annuities & Life, Inc. operates in the Insurance - Life industry within the Financial Services sector. It is headquartered in Des Moines, US. The company is led by CEO Christopher Owsley Blunt. FG has traded publicly since 2022.
ROE 11%Key Financial Metrics
Return on equity for F&G Annuities & Life, Inc. stands at 11.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.5%, showing how much profit it generates from its asset base. FG trades at a trailing price-to-earnings ratio of 5.13, below the Financial Services sector average of ~18x. A current ratio of 2.67 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 14.0%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
F&G Annuities & Life, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.52 places it in the distress zone, a signal of elevated financial risk.
FY2026 estForward Outlook
Wall Street analysts project F&G Annuities & Life, Inc. revenue of about $6.01B for fiscal 2026, with EPS near $3.94.
FG Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in F&G's future prospects, indicating that executives believe the company is undervalued.
- Community sentiment has shifted positively, with traders discussing F&G's innovative product offerings and potential market expansion.
- The insurance sector's stability has garnered attention, positioning F&G as a resilient player amidst economic fluctuations.
- Recent partnerships and collaborations have been highlighted, suggesting a strategic approach to growth and customer acquisition.
Bear Case
- Concerns about rising interest rates may impact F&G's profitability, as they could affect the pricing of annuity products.
- Negative sentiment from some community members reflects worries about competition in the insurance market, particularly from larger, established firms.
- Recent regulatory changes have raised eyebrows, with potential implications for F&G's operational flexibility and compliance costs.
- Some analysts express skepticism about the company's growth trajectory, citing potential challenges in scaling its offerings effectively.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · February 2026
FG Latest News
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Shares of companies within the broader financials sector are trading lower, possibly due to rising yields and oil. Weakness within the sector may be due to ongoing inflationary concerns.
Benzinga · Jun 3, 2026
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F&G Annuities & Life to Join the S&P SmallCap 600, Replacing Mister Car Wash
MT Newswires · May 13, 2026
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F&G Annuities & Life Will Replace Mister Car Wash In The S&P SmallCap 600 Effective Prior To The Opening Of Trading On Tuesday, May 19
benzinga · May 13, 2026
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SharkNinja Set to Join S&P MidCap 400; Flowers Foods and F&G Annuities & Life to Join S&P SmallCap 600
prnewswire.com · May 13, 2026
FG Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for FG.
Price Targets
Consensus target: $29.50
FG MoonshotScore
What does this score mean?
The MoonshotScore rates FG's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest News
Shares of companies within the broader financials sector are trading lower, possibly due to rising yields and oil. Weakness within the sector may be due to ongoing inflationary concerns.
F&G Annuities & Life to Join the S&P SmallCap 600, Replacing Mister Car Wash
F&G Annuities & Life Will Replace Mister Car Wash In The S&P SmallCap 600 Effective Prior To The Opening Of Trading On Tuesday, May 19
SharkNinja Set to Join S&P MidCap 400; Flowers Foods and F&G Annuities & Life to Join S&P SmallCap 600
Leadership: Christopher Owsley Blunt
CEO
Christopher Owsley Blunt serves as the CEO of F&G Annuities & Life, Inc. He brings extensive experience in the financial services industry, with a focus on insurance and asset management. Prior to joining F&G, he held leadership positions at various financial institutions, where he was responsible for driving growth and innovation. His expertise includes strategic planning, product development, and risk management. He is known for his ability to build high-performing teams and foster a culture of collaboration and customer focus.
Track Record: Under Christopher Owsley Blunt's leadership, F&G Annuities & Life, Inc. has achieved significant milestones, including expanding its product offerings and increasing its market share. He has focused on enhancing the company's digital capabilities and improving customer experience. His strategic decisions have contributed to F&G's financial stability and growth. He is committed to driving long-term value for shareholders and customers.
F&G Annuities & Life, Inc. Financial Services Stock: Key Questions Answered
What does F&G Annuities & Life, Inc. do?
F&G Annuities & Life, Inc. specializes in providing fixed annuities and life insurance products to both retail and institutional clients. The company offers a range of financial solutions designed to provide financial security and retirement income. Their core business revolves around collecting premiums from policyholders and investing those funds to generate returns, which are then used to pay out benefits. F&G operates as a subsidiary of Fidelity National Financial, Inc., leveraging its resources and expertise to compete effectively in the insurance market. The company focuses on customer service and product innovation to attract and retain clients.
What do analysts say about FG stock?
Analyst coverage of F&G Annuities & Life, Inc. (FG) typically focuses on its financial performance, growth prospects, and competitive positioning within the insurance industry. Key valuation metrics such as the P/E ratio and dividend yield are closely monitored. Analysts consider the company's ability to generate consistent earnings and manage its investment portfolio effectively. Growth considerations include expanding its product offerings, penetrating new markets, and enhancing its digital capabilities. Analyst consensus is influenced by macroeconomic factors, regulatory changes, and competitive pressures. Investors should consult multiple sources and conduct their own due diligence before making investment decisions.
What are the main risks for FG?
F&G Annuities & Life, Inc. faces several key risks inherent to the insurance industry. Changes in interest rates can significantly impact the profitability of its annuity products, as lower rates reduce investment income. Increased competition from established and emerging players can erode market share and pressure margins. Regulatory scrutiny and compliance costs pose ongoing challenges, requiring significant investment in risk management and compliance programs. Economic downturns can reduce demand for financial products and increase the risk of policy lapses. Effective risk management and strategic adaptation are crucial for mitigating these risks.
How does F&G Annuities & Life, Inc. make money in financial services?
F&G Annuities & Life, Inc. generates revenue primarily through premiums collected from its annuity and life insurance policies. These premiums are then invested in a diversified portfolio of assets, including bonds, stocks, and real estate, to generate investment income. The company's profitability depends on its ability to effectively manage its investment portfolio and generate returns that exceed the benefits paid out to policyholders. F&G also earns revenue from fees associated with its financial planning services and customized annuity solutions for institutional clients. Efficient expense management and strategic pricing are crucial for maintaining profitability in the competitive financial services market.
What is F&G Annuities & Life, Inc.'s credit quality and risk management approach?
F&G Annuities & Life, Inc.'s credit quality is a critical factor in assessing its financial stability and ability to meet its obligations to policyholders. The company maintains a diversified investment portfolio with a focus on high-quality assets to mitigate credit risk. Its risk management approach involves rigorous monitoring of its investment portfolio, stress testing its financial models, and adhering to regulatory requirements. F&G also employs hedging strategies to manage interest rate risk and market volatility. The company's credit ratings from independent rating agencies provide further insight into its financial strength and risk profile. Investors may want to evaluate F&G's credit quality and risk management practices when evaluating its long-term prospects.
What are the key factors to evaluate for FG?
F&G Annuities & Life, Inc. (FG) holds an AI score of 64/100 (moderate). P/E: 5.1x vs the S&P 500's ~20-25x. Analysts target $29.50 (+4%). Not financial advice.
How frequently does FG data refresh on this page?
FG prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven FG's recent stock price performance?
F&G Annuities & Life, Inc. (FG) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong financial backing from Fidelity National Financial, Inc. See the News tab for the latest drivers. Past performance does not predict future results.
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.
- Information is based on available data and may be subject to change.
- Financial metrics are as of the latest available reporting period.