MARKET WIREReuters • 3h ago
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Why FG Stock surged +2.18% Today — RQD Quant Desk Flash
$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 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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Is FG stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ 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+ (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).
✓ 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:
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: Scores of 55/100 (D+) historically posted market-perform odds over rolling 90-day windows (-0.5% avg 90D alpha vs SPY • 51.4% hit rate — wait for RQD ≥ 70 breakout).
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-1.3% Base Target
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FG)Realized 20D OHLCV Swing Band: ±7.3%
Deterministic 5-Pillar Attribution (55/100 Composite)
🔍 WHY FG SCORES 55/100 (D+) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (24% 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 (22% of score)
SEC XBRL FY 2025 (10-K): 81.7% FCF Margin ($4.68B FCF) & 52% Gross Margin
▼ #1 Drag / Risk Factor: Macro Regime Fit8/20 pts (-12 pt drag)
Macro rate sensitivity & RSI-14 (51.5) create a -12 pt regime headwind
📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)Grade D$19.26+1.6% Next Q
47
Q2 (-2Q)Grade C-$19.57+5.6% Next Q
50
Q3 (-1Q)Grade C-$20.66+1.9% Next Q
52
CurrentGrade D+$21.05-0.5% Hist 90D α
55
Trajectory: D (47) → D+ (55)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER
⚔️ Adversarial Opposing Case: Why the FG Bull Thesis Could Fail
Even with a 55/100 (D+) score, FG faces multiple-compression risk if 11.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
⚠️ Forensic Kill-Switch #1
Sensitive to high interest rates and tighter Federal Reserve market liquidity.
⚠️ Forensic Kill-Switch #2
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
⚠️ Forensic Kill-Switch #3
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.92) or 200D SMA ($25.78) invalidates the momentum regime and cuts Target Base ($20.77) toward Bear Floor ($16.20).
🎲 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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why FG Stock surged +2.18% Today — RQD Quant Desk Flash
F&G Annuities & Life Inc. (FG) surged +2.18% to $21.05, trading at 14% of its 52-week range ($18.75 – $35.33). Stretched risk/reward at 11x P/E (5% return on capital) under elevated 10-year interest-rate pressure.
- ▸Technical Tape: Trading at 14% of its 52-week range ($18.75 – $35.33) with RSI-14 at 51.5 (NEUTRAL RANGE).
- ▸Volatility Profile: Historical 20-day realized swing band of ±7.3% around $21.05 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable D+ (Sell) backed by 52% gross margin and $4.7B annual free cash flow.
Live FG Headlines & Catalysts
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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
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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
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 #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 0001934850In 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 ENABLEDIs 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).
FG Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDWhy is FG stock moving today?
Why FG Stock surged +2.18% Today — RQD Quant Desk Flash. Stretched risk/reward at 11x P/E (5% return on capital) under elevated 10-year interest-rate pressure.