FGN
Financial ServicesF&G Annuities & Life, Inc. · Insurance - Life · $4B
What is F&G Annuities & Life, Inc.?
F&G Annuities & Life provides fixed annuity and life insurance products, serving Americans focused on retirement planning and wealth transfer.
Headquartered in Des Moines, Iowa, F&G generates revenue through fixed annuities and life insurance policies. Its core focus is helping individuals accumulate and protect retirement savings, with products spanning annuities, life insurance, and wealth transfer solutions.
Is FGN a Good Stock to Buy?
UQS Score rates FGN as Below Average overall, reflecting weak moat and risk profiles that offset an Attractive valuation.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
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Pro Analysis
FGN — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| Aug 8, 2026 | 7.3 | 0.0 | 29.0 | 0.0 | 0.0 | 0.0 | -48.9 |
| Jul 11, 2026 | 56.2 | 55.6 | 29.0 | 47.9 | 70.1 | 100.0 | — |
FGN — Pillar Breakdown
Quality
— 0.0/100 (25%)F&G Annuities & Life, Inc. currently shows below-average quality metrics, suggesting challenges with profitability.
Ability to convert revenue into operating profit.
Free cash flow relative to market value.
Growth
— 0.0/100 (20%)F&G Annuities & Life, Inc. faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Analyst consensus for future revenue growth.
Risk
— 0.0/100 (15%)F&G Annuities & Life, Inc. presents elevated risk with concerns around leverage or financial stability.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 0.0/100 (15%)F&G Annuities & Life, Inc. appears expensively valued relative to its fundamentals and growth prospects.
Moat
— 29/100 (25%)F&G Annuities & Life, Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for FGN.
Score Composition
Financial Data
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How is the FGN UQS Score Calculated?
The UQS (Unified Quality Score) for F&G Annuities & Life, Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses F&G Annuities & Life, Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether F&G Annuities & Life, Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.