F&G Annuities & Life, Inc. 7.95 (FGN) Fair Value 2026

FGN · Life Insurance ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.7 /10

32 fundamental signals · 7 models active

Value Trap Risk

SAFE (20/100)

Quick Summary — As of 2026-07-13, F&G Annuities & Life, Inc. 7.95 (FGN) trades at $24.52. QOC: 8.7/10. Value Trap Risk: 20/100 (SAFE). 7/13 models active.

Key Facts

Ticker
FGN
Price
$24.52
Quality Score
8.7/10
Value Trap Risk
20/100
Models Active
7/13
Last Updated
Strength: EROIC Spread suggests +120.5% upside with 50% confidence
Risk: Limited model coverage (7/13) may reduce confidence

Valuation Matrix

7 Intrinsic Value Models vs. Current Price ($24.52)

Core Models (Unlocked)
Model Fair Value Upside
Earnings Power Value
High Conviction
$48.78 +98.9%
EROIC Spread
High Conviction
$54.06 +120.5%
Markov DDM
Medium Conviction
$2.24 -90.9%

Unlock the Full Matrix

Access 4 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 7 Models →

Cancel anytime · No contracts · Instant access

What Is F&G Annuities & Life, Inc. 7.95 (FGN) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the weight of evidence tilts decidedly bullish for F&G Annuities & Life, Inc. 7.95. Trading at $24.52 against an estimated intrinsic value of $64.17, 6 of 7 active models flag meaningful upside of +161.7% on average. The most optimistic model, ML-RIV, places fair value at $141.74 (+478.1%), while Markov DDM — the most conservative — estimates $2.24 (-90.9%). This +568.9% gap reflects genuine analytical uncertainty about F&G Annuities & Life, Inc. 7.95's intrinsic worth.

What Do the Models Say About FGN?

7 of 13 models are currently active for FGN. Of these, 6 models suggest upside while 1 model suggests overvaluation. See which stocks rank higher →

How Does FGN Rank in Life Insurance?

Among 28 Life Insurance stocks, FGN ranks #4 by Quality of Company score. CirclFi's QOC score of 8.7/10 evaluates 32 fundamental signals. A score of 8.7 places FGN in the top tier.

As a insurance industry, F&G Annuities & Life, Inc. 7.95 operates in a sector where loss ratio is a critical driver of valuation. Investors evaluating FGN should weigh these sector-specific dynamics alongside our model-derived fair values.

Is FGN a Value Trap?

CirclFi's Value Trap algorithm assigns FGN a score of 20/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

7 of 13 models are active for F&G Annuities & Life, Inc. 7.95. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, F&G Annuities & Life, Inc. 7.95 is rated at 8.7/10. This strong-tier score demonstrates strong fundamentals across the majority of our quality signals.

The gap between the most bullish and bearish model spans +568.9% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every FGN valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across FGN's 7 active models, average confidence is 41%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy F&G Annuities & Life, Inc. 7.95 Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Life Insurance Stocks Should You Also Analyze?

8 related Life Insurance stocks with 13-model coverage

Read investment analysis: PRI · GL · FG · FGSN · CIA

Frequently Asked Questions About F&G Annuities & Life, Inc. 7.95

What is F&G Annuities & Life, Inc. 7.95's intrinsic value in 2026?

Based on CirclFi's 13-model analysis, F&G Annuities & Life, Inc. 7.95 (FGN) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value. The Quality of Company score is 8.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is FGN overvalued or undervalued right now?

At $24.52, 6 of 7 active models suggest FGN may be undervalued, while 1 indicate potential overvaluation. The assessment depends on which methodology best fits F&G Annuities & Life, Inc. 7.95's business model in Life Insurance.

What does a Quality of Company score of 8.7 mean for FGN?

F&G Annuities & Life, Inc. 7.95's QOC of 8.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on FGN?

CirclFi analyzes FGN with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 7 of 13 are active for this stock. Read the full methodology →

Is FGN a value trap in 2026?

F&G Annuities & Life, Inc. 7.95's Value Trap score is 20/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 7 mathematical frameworks give you clarity on FGN.

Unlock All 7 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access