NYSE$FG

F&G Annuities & Life Inc · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

F&G reported mixed results for Q4 2023, with record sales offset by a net loss due to market volatility, while AUM reached a record high.

F&G Annuities & Life reported a net loss of $299 million for Q4 2023, impacted by unfavorable mark-to-market effects, but achieved record gross sales of $4.1 billion and record AUM of $49.5 billion. The company's adjusted net earnings were $75 million, influenced by investment income from alternative investments and significant expense items.

  • F&G achieved record gross sales of $4.1 billion, a 52% increase year-over-year.
  • Assets under management (AUM) reached a record $49.5 billion, up 14% from the previous year.
  • The company's estimated risk-based capital (RBC) ratio was approximately 440%, exceeding the target of 400%.
  • A.M. Best upgraded F&G's financial strength ratings to 'A' (Excellent) from ‘A-’ (Excellent).

Headline financials

Total Revenue

$1.61B

Previous: $623M+158.7%
EPS (adj)

$0.60

Previous: $1.10-45.5%
Assets Under Management

$49.5B

Previous: $43.6B+13.5%
AUM Before Flow Reinsurance

$56.3B

Previous: $46.4B+21.2%
Adjusted ROA

0.7%

No prior period
Net Income

-$299M

Previous: -$100M-199.0%
Operating Income

-$375M

No prior period
Gross Profit

$1.58B

Previous: $527M+199.2%

Revenue & EPS history

F&G Annuities & Life · Revenue · Quarterly

$1.61B

Q4 2023+158.7%vs Q4 2022
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 optimistic about delivering double-digit sales growth in 2024, driven by the launch of their RILA product and continued margin expansion. They are also focused on managing operating expenses, enhancing investment margin opportunities, and growing the earnings power of the company. F&G is well-positioned to execute on its owned distribution strategy.

Tailwinds

  • Launch of RILA product expected to support double-digit sales growth in 2024
  • Continued margin expansion through effective management of operating expenses
  • Enhanced investment margin opportunities
  • Growth in the earnings power of F&G
  • Execution on owned distribution strategy to strengthen distribution relationships and diversify earnings

Headwinds

  • No negative aspects provided in the document.

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 Q4 2023

Historical avgQ4 2023

-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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