Is FG or FGN more undervalued in 2026?

CirclFi compares F&G Annuities & Life, Inc. (FG) and F&G Annuities & Life, Inc. 7.95 (FGN) using 13 institutional-grade valuation models. FG has a Quality of Company score of 8.7/10 while FGN scores 8.5/10.

Which is a better buy — FG or FGN?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do FG and FGN valuations compare?

FG at $27.72 and FGN at $25.01 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

FG vs FGN Valuation Comparison 2026 — Intrinsic Value Analysis

FG

Life Insurance

F&G Annuities & Life, Inc.

Quality

8.7

out of 10

Value Trap

SAFE

Price

$27.72

Last close

Models

8/13

Active

FGN

Life Insurance

F&G Annuities & Life, Inc. 7.95

Quality

8.5

out of 10

Value Trap

SAFE

Price

$25.01

Last close

Models

6/13

Active

Model-by-Model Comparison

Model	Type	FG Fair Value	FG Upside	FGN Fair Value	FGN Upside
Earnings Power Value	Intrinsic	$61.90	+123.3%	$68.25	+172.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$152.98	+451.9%	—	—
Markov DDM	Intrinsic	$36.00	+29.9%	$27.89	+11.5%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%

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FG vs FGN — Which Stock Is More Undervalued?

FG scores higher with a 8.7/10 quality rating vs FGN's 8.5/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing F&G Annuities & Life, Inc. (FG) and F&G Annuities & Life, Inc. 7.95 (FGN) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

FG currently trades at $27.72 with a QOC of 8.7/10, while FGN trades at $25.01 with a QOC of 8.5/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).