Stock Ratings / Financials / FG / financials

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F&G Annuities & Life Inc. (FG) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

$21.05 +2.18% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot)

F&G Annuities & Life Inc. (FG) carries a Roarable Rating of D+ (Sell) with 55/100 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.

ROARABLE D+ • SELL / AVOID Cap $2.76B

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INTERACTIVE SCENARIO DECK:

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RQD QUANT TACHOMETERSELL / AVOID • D+

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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-1.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FG)Realized 20D OHLCV Swing Band: ±7.3%

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • FY 2025 (10-K)

How FG Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$4.68B (81.7% FCF Margin)

Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory

■ Revenue■ Net Profit■ Free Cash Flow

FY23

Rev $4.50B

FY24

Rev $5.74B

FY25

Rev $5.73B

Fiscal Year	Revenue	Gross Margin	Op Margin	Net Profit	Free Cash Flow	ROIC %
FY 2025	$5.73B	52%	0%	$248.0M	$4.68B	5.2%
FY 2024	$5.74B	52%	0%	$642.0M	$6.00B	5.2%
FY 2023	$4.50B	52%	0%	-$58.0M	$5.83B	5.2%

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

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FG // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -26.50%📐 HORIZONTAL RANGE

2026-10-30O $21.30H $21.30L $20.92C $21.05VOL 364.3K

RES: $39.02SUP: $17.67SMA50: $21.92SMA200: $25.78

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.

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

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

Financials Rank #698 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 #698 by composite RQD confidence (55/100, 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 55/100 (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+	55/100	11.1x	—	5.2%	+2.18%	$2.76B	Benchmark Subject
BHF Brighthouse Financial Inc.	C	64/100	7.5x	—	4.9%	-1.89%	$2.47B	/bhf-vs-fg →
GNW Genworth Financial Inc	C	65/100	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?

As of 2026-11-01, 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 55/100 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 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, FG ranks #698 in composite RQD confidence.

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

Within the Financials sector (Life Insurance), FG carries a Roarable D+ (55/100 RQD), trailing P/E of 11.1x, gross margin of —, and ROIC of 5.2%. By comparison, BHF (Brighthouse Financial Inc.) holds a C grade (64/100 RQD, P/E 7.5x, ROIC 4.9%, cap $2.47B) and GNW (Genworth Financial Inc) posts a C grade (65/100 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).

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

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.

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 -3.97% below its 50-day simple moving average ($21.92) and -18.35% below its 200-day simple moving average ($25.78). Across its 52-week range of $18.75 to $35.33, FG sits at the 13.9% percentile with a 14-day RSI of 51.5 (NEUTRAL RANGE) and an implied next-earnings move of ±7.3% ($19.51 to $22.59).