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F&G Annuities & Life Inc. (FG) — RQD Stock Rating Cockpit

$21.05 +2.18% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.09

F&G Annuities & Life Inc. (FG) carries a Roarable Rating of D (Sell) with 47/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D • SELL / AVOID Cap $2.76B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FG Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, F&G Annuities & Life Inc. (NYSE: FG) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 47/100 at a spot price of $21.05 (+2.18% 1D, market cap $2.76B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 5/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, FG ranks #739 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FG compare to BHF and GNW in the Financials sector?

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Within the Financials sector (Life Insurance), FG carries a Roarable D (47/100 RQD), trailing P/E of 11.1x, gross margin of —, and ROIC of 5.2%. By comparison, BHF (Brighthouse Financial Inc.) holds a D+ grade (52/100 RQD, P/E 7.5x, ROIC 4.9%, cap $2.47B) and GNW (Genworth Financial Inc) posts a D+ grade (52/100 RQD, P/E 15.3x, ROIC 2.5%, cap $3.41B). Among the 5-stock peer group, LNC leads on earnings multiple (6.7x) while FG leads on capital efficiency (5.2% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FG?

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Per FG's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001934850), F&G Annuities & Life Inc. generated $5.73B in revenue (-0.2% YoY), $248.0M in net income, and $4.68B in free cash flow against $98.43B in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Financials with deep daily trading liquidity.. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity.. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $21.09 (+0.20%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 81.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (47/100 · D) historically underperformed SPY in 71% of rolling 90-day windows (-5.9% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-4.9% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FG)Realized 20D OHLCV Swing Band: ±7.1%

Deterministic 5-Pillar Attribution (47/100 Composite)

🔍 WHY FG SCORES 47/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (26% of score)

SEC XBRL FY 2025 (10-K): 81.7% FCF Margin ($4.68B FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Macro Regime Fit5/20 pts (-15 pt drag)

Macro rate sensitivity & RSI-14 (50.6) create a -15 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade E$18.90+4.7% Next Q

Q2 (-2Q)

Grade D$19.79+3.9% Next Q

Q3 (-1Q)

Grade D$20.56+2.4% Next Q

Current

Grade D$21.05-5.9% Hist 90D α

Trajectory: E (39) → D (47)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a FG Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While FG currently carries a cautious 47/100 (D) rating due to Macro Regime Fit (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Financials with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($21.89) and Max Pain ($22.10) forces dealer call-delta covering toward $37.10.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FG• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FG Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 47%NO 53%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

50.630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE14% OF RANGE

L: $19$21.05H: $35

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: C-RQD 12 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 17 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 18 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on FG

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (60)

5.2% ROIC with 42.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (37)

17/40 institutional & smart-money positioning score with 5/20 macro alignment.

Bull Case: Why Buyers Like FG

✓Established market leader in Financials with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Sensitive to high interest rates and tighter Federal Reserve market liquidity.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring FG)

✓Walkthrough of FG's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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FG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -25.72%📐 HORIZONTAL RANGE

2026-11-02O $20.60H $21.05L $20.60C $21.05VOL 497.5K

RES: $38.62SUP: $17.58SMA50: $21.89SMA200: $25.74

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FG Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FG Butterfly Map → + Track FG →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.9%/yr Implied 5Y Growth

vs. -0.2% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FG today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FG. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FG today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FG)

Financials Rank #739 of 1096 ⚔️ BHF vs FG Full Matrix →

1. Head-to-Head Financials Peer Comparison (FG vs. BHF, GNW, LNC, PRI)

Industry: Life Insurance (18 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, F&G Annuities & Life Inc. (FG) ranks #739 by composite RQD confidence (47/100, grade D) and #380 by equity capitalization ($2.76B). Within this direct 5-issuer industry benchmark cohort, LNC leads on earnings valuation at 6.7x trailing P/E, while FG leads on capital efficiency and profitability with 5.2% ROIC and — gross margin. PRI currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with FG at 47/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FG ACTIVE F&G Annuities & Life Inc.	D	47/100	11.1x	—	5.2%	+2.18%	$2.76B	Benchmark Subject
BHF Brighthouse Financial Inc.	D+	52/100	7.5x	—	4.9%	-1.89%	$2.47B	/bhf-vs-fg →
GNW Genworth Financial Inc	D+	52/100	15.3x	—	2.5%	+1.69%	$3.41B	/gnw-vs-fg →
LNC Lincoln National Corporation	D-	42/100	6.7x	—	0.9%	+1.75%	$7.92B	/lnc-vs-fg →
PRI Primerica Inc.	C+	66/100	24.4x	—	5.2%	+1.61%	$8.73B	/pri-vs-fg →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001934850

In its most recent audited fiscal period (FY2025, filed 2025-12-31), F&G Annuities & Life Inc. (FG) reported GAAP revenue of $5.73B (-0.2% vs. FY2024 revenue of $5.74B , and +27.4% cumulative change since FY2023) , GAAP net income of $248.0M, operating cash flow of $4.68B, and free cash flow of $4.68B (-22.0% YoY). On the balance sheet, FG closed FY2025 with $98.43B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$5.73B	$248.0M	$4.68B	$4.68B	$98.43B	—
FY2024 (FY)	2024-12-31	$5.74B	$642.0M	$6.00B	$6.00B	$84.93B	—
FY2023 (FY)	2023-12-31	$4.50B	-$58.0M	$5.83B	$5.83B	—	—

3. FG Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does FG compare to BHF and GNW in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for FG?

Where is FG trading relative to its 50-day, 200-day, and 52-week technical levels?

FG last traded at $21.05 (+2.18% on volume of 497,523 shares), positioning the stock -3.84% below its 50-day simple moving average ($21.89) and -18.22% below its 200-day simple moving average ($25.74). Across its 52-week range of $18.75 to $35.33, FG sits at the 13.9% percentile with a 14-day RSI of 50.6 (NEUTRAL RANGE) and an implied next-earnings move of ±7.1% ($19.56 to $22.54).

FG Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell FG stock right now?

F&G Annuities & Life Inc. (FG) currently earns a Roarable Rating of D (Sell — SELL) with 47/100 RQD Confidence. Stretched risk/reward at 11x P/E (5% return on capital) under elevated 10-year interest-rate pressure.

What is FG's 12-month price target and RQD AI Jury consensus?

FG's 12-month base price target is $20.01 (range $15.61 to $37.1), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: FG RQD Cockpit FG 12M Forecast FG Earnings & Move FG Dividends & DRIP FG Insiders & 13F FG Whale Options FG Profit Sankey FG News & Why