NYSE$FG

F&G Annuities & Life Inc · Q3 2024 earnings

Q3 2024 earnings · · Investor relations

Briefing

F&G reported a net loss but adjusted net earnings increased driven by sales growth and strong investment returns.

F&G Annuities & Life reported a net loss of $10 million for Q3 2024, but adjusted net earnings were $156 million, up from $120 million in Q3 2023. Gross sales increased by 39% year-over-year, driven by record retail channel sales. Assets under management before flow reinsurance reached a record $62.9 billion.

  • Gross sales of $3.9 billion, an increase of 39% over the third quarter 2023, primarily driven by record retail channel sales
  • Assets under management before flow reinsurance of $62.9 billion, an increase of 20% over the third quarter 2023
  • Adjusted return on assets expansion above baseline of 110 basis points
  • Returned $31 million of capital to shareholders from common and preferred dividends

Headline financials

Total Revenue

$1.44B

Previous: $851M+69.7%
EPS

-$0.08

Previous: $0.96-108.3%
Assets Under Management

$52.5B

No prior period
AUM Before Flow Reinsurance

$62.9B

Previous: $52.6B+19.6%
Average AUM YTD

$51B

No prior period
Adjusted ROA

0.0%

No prior period
Adjusted ROE ex AOCI

0.1%

No prior period
Gross Sales

$3.88B

No prior period
Net Sales

$2.39B

No prior period
Core Sales

$2.22B

No prior period
Opportunistic Sales

$1.66B

No prior period
Indexed Annuities Sales

$1.85B

No prior period
Indexed Universal Life Sales

$39M

No prior period
Pension Risk Transfer Sales

$337M

No prior period
Fixed Rate Annuities Sales

$1.66B

No prior period
Funding Agreements Sales

$0.00

No prior period
Book Value Per Share

$32.51

No prior period
Book Value Per Share ex AOCI

$42.28

No prior period
Capital Expenditures

-$8M

No prior period
Free Cash Flow

-$6M

Previous: $306M-102.0%
Net Income

-$6M

Previous: $306M-102.0%
Operating Income

$911M

Previous: $411M+121.7%
Gross Profit

$1.12B

Previous: $573M+96.2%
Cash & Equivalents

$3.54B

Previous: $1.74B+103.2%
Total Assets

$84.1B

Previous: $63.6B+32.2%

Revenue & EPS history

F&G Annuities & Life · Revenue · Quarterly

$1.44B

Q3 2024+69.7%vs Q3 2023
Beat estimate in 8 of 13 quarters(62%)
ActualEstimate

Revenue by segment

F&G Annuities & Life · $519M total across 1 segment · Q1 2023

  • Interest and investment income
    $519M

Forward guidance

F&G is well-positioned for the remainder of the year and continues to make great progress toward Investor Day targets.

Tailwinds

  • Profitably grown assets under management before flow reinsurance to a record $62.9 billion
  • Gross sales increased 39% over the third quarter of 2023
  • Record retail sales of $3.5 billion, nearly double the third quarter of 2023
  • Benefit from consumers wanting to secure the relatively higher interest rates, guaranteed tax deferred growth and principal protection that annuity products offer
  • Seeing a healthy PRT pipeline with some significant early wins in the fourth quarter

Headwinds

  • General economic conditions
  • Prevailing interest and unemployment rate levels and stock and credit market performance
  • Natural disasters, public health crises, international tensions and conflicts, geopolitical events, terrorist acts, labor strikes, political crisis, accidents and other events
  • The impact of interest rate fluctuations
  • Equity market volatility or disruption

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 19 quarterly earnings reports · overlaid with Q3 2024

Historical avgQ3 2024

-1.2%

Avg return

Earnings day

+0.3%

Avg return

5 days after

+2.6%

Avg return

30 days after

42%

8 / 19 earnings

Positive

+18.3%

Q3 2022

Best reaction

-17.7%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-8.2%-5.4%-5.6%
Q4 2025-8.4%-15.8%-14.8%
Q3 2025+2.5%+11.4%+12.9%
Q1 2025-14.6%-13.2%-7.5%
Q4 2024-8.7%-4.8%-21.2%
Q3 2024+11.1%+15.9%+14.8%
Q2 2024+0.4%+0.2%+8.9%
Q1 2024-1.0%-4.3%-3.4%
Q4 2023-10.7%-11.0%-11.5%
Q3 2022+18.3%+13.8%+36.0%
Q3 2023+15.3%+16.8%+40.5%
Q2 2023-1.9%+8.1%-4.9%
Q1 2022+0.1%+4.5%+33.1%
Q1 2023-17.7%-7.8%+18.7%
Q2 2022+5.2%+4.1%+14.7%
Q2 2020-3.1%-2.8%-15.7%
Q4 2020-3.1%-2.8%-15.7%
Q4 2021-3.1%-2.8%-15.7%
Q4 2022+4.2%+2.1%-14.1%
Q3 2021
Q2 2021
Q1 2021
Q1 2020
Q4 2019
Q3 2019
Q2 2019
Q1 2019
Q4 2018
Q3 2018
Q2 2018
Q1 2018
Q4 2017
Q3 2017
Q2 2017
Q1 2017
Q4 2016
Q3 2016
Q2 2016
Q1 2016

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