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Also traded in: Germany

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash-to-Debt 2.19
NYSE:FGL's Cash-to-Debt is ranked lower than
58% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.42 vs. NYSE:FGL: 2.19 )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:FGL' s Cash-to-Debt Range Over the Past 10 Years
Min: 1.67  Med: 2.17 Max: No Debt
Current: 2.19
1.67
No Debt
Equity-to-Asset 0.08
NYSE:FGL's Equity-to-Asset is ranked lower than
53% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 vs. NYSE:FGL: 0.08 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:FGL' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.07 Max: 0.08
Current: 0.08
0.05
0.08
Debt-to-Equity 0.18
NYSE:FGL's Debt-to-Equity is ranked higher than
60% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.25 vs. NYSE:FGL: 0.18 )
Ranked among companies with meaningful Debt-to-Equity only.
NYSE:FGL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.18  Med: 0.2 Max: 0.26
Current: 0.18
0.18
0.26
Debt-to-EBITDA 1.02
NYSE:FGL's Debt-to-EBITDA is ranked higher than
54% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. NYSE:FGL: 1.02 )
Ranked among companies with meaningful Debt-to-EBITDA only.
NYSE:FGL' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.55  Med: 1.13 Max: 1.86
Current: 1.02
0.55
1.86
Interest Coverage 1.29
NYSE:FGL's Interest Coverage is ranked lower than
99% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 291.72 vs. NYSE:FGL: 1.29 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:FGL' s Interest Coverage Range Over the Past 10 Years
Min: 0.52  Med: No Debt Max: No Debt
Current: 1.29
0.52
No Debt
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating Margin % 23.33
NYSE:FGL's Operating Margin % is ranked higher than
86% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.93 vs. NYSE:FGL: 23.33 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:FGL' s Operating Margin % Range Over the Past 10 Years
Min: 5.14  Med: 17.8 Max: 38.6
Current: 23.33
5.14
38.6
Net Margin % 14.58
NYSE:FGL's Net Margin % is ranked higher than
80% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.69 vs. NYSE:FGL: 14.58 )
Ranked among companies with meaningful Net Margin % only.
NYSE:FGL' s Net Margin % Range Over the Past 10 Years
Min: 8.52  Med: 13.69 Max: 28.16
Current: 14.58
8.52
28.16
ROE % 11.20
NYSE:FGL's ROE % is ranked higher than
62% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.16 vs. NYSE:FGL: 11.20 )
Ranked among companies with meaningful ROE % only.
NYSE:FGL' s ROE % Range Over the Past 10 Years
Min: 5.65  Med: 11.16 Max: 53.32
Current: 11.2
5.65
53.32
ROA % 0.80
NYSE:FGL's ROA % is ranked higher than
55% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.74 vs. NYSE:FGL: 0.80 )
Ranked among companies with meaningful ROA % only.
NYSE:FGL' s ROA % Range Over the Past 10 Years
Min: 0.37  Med: 0.75 Max: 3.28
Current: 0.8
0.37
3.28
3-Year Revenue Growth Rate 7.20
NYSE:FGL's 3-Year Revenue Growth Rate is ranked higher than
57% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.30 vs. NYSE:FGL: 7.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:FGL' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: -3.2 Max: 7.2
Current: 7.2
0
7.2
3-Year EBITDA Growth Rate 15.70
NYSE:FGL's 3-Year EBITDA Growth Rate is ranked higher than
78% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.50 vs. NYSE:FGL: 15.70 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:FGL' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -13.65 Max: 15.7
Current: 15.7
0
15.7
3-Year EPS without NRI Growth Rate 9.70
NYSE:FGL's 3-Year EPS without NRI Growth Rate is ranked higher than
57% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.40 vs. NYSE:FGL: 9.70 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:FGL' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: 0  Med: -19.6 Max: 9.7
Current: 9.7
0
9.7
GuruFocus has detected 3 Warning Signs with Fidelity & Guaranty Life NYSE:FGL.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:FGL's 30-Y Financials

Financials (Next Earnings Date: 2018-08-21)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2017

FGL Guru Trades in Q1 2017

Alan Fournier 365,000 sh (New)
John Paulson 400,000 sh (New)
Jim Simons 636,657 sh (+67.76%)
David Dreman 15,927 sh (unchged)
Leon Cooperman 255,951 sh (-22.53%)
Paul Tudor Jones 15,766 sh (-40.43%)
» More
Q2 2017

FGL Guru Trades in Q2 2017

Mario Gabelli 20,000 sh (New)
Jim Simons 764,900 sh (+20.14%)
Leon Cooperman Sold Out
Paul Tudor Jones Sold Out
Alan Fournier Sold Out
John Paulson Sold Out
David Dreman 10,992 sh (-30.99%)
» More
Q3 2017

FGL Guru Trades in Q3 2017

Mario Gabelli 20,000 sh (unchged)
David Dreman 10,992 sh (unchged)
Jim Simons 645,100 sh (-15.66%)
» More
Q4 2017

FGL Guru Trades in Q4 2017

Jim Simons Sold Out
David Dreman Sold Out
Mario Gabelli Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with FGL

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2017-12-31 Sold Out 0.19%$30.75 - $31.25 $ 31.10-0%0
Mario Gabelli 2017-12-31 Sold Out $30.75 - $31.25 $ 31.10-0%0
Mario Gabelli 2017-06-30 New Buy$27.45 - $31.3 $ 31.106%20,000
David Dreman 2017-06-30 Reduce -30.99%0.08%$27.45 - $31.3 $ 31.106%10,992
Leon Cooperman 2017-06-30 Sold Out 0.29%$27.45 - $31.3 $ 31.106%0
John Paulson 2017-06-30 Sold Out 0.15%$27.45 - $31.3 $ 31.106%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:BOM:500271, NYSE:FFG, BKK:BLA-F, NYSE:FG, XTER:WUW, NAS:NWLI, XKRX:082640, NYSE:AEL, TPE:2867, XTAE:CLIS, IST:ANHYT, LSE:CSN, JSE:MMI, XKRX:085620, HKSE:00662, ISX:PNLF, JSE:LBH, NYSE:IHC, KAR:JLICL, OTCPK:KCLI » details
Traded in other countries:FGY.Germany,
Headquarter Location:USA
Fidelity & Guaranty Life is engaged in selling of individual life insurance products and annuities through independent agents, managing general agents, and specialty brokerage firms and in selected institutional markets.

Fidelity & Guaranty Life was incorporated in Delaware. Fidelity and Guaranty Life is engaged in selling of individual life insurance products and annuities through independent agents, managing general agents, and specialty brokerage firms and in selected institutional markets. Its products include FG Life-Elite and FG Life-Choice.

Ratios

vs
industry
vs
history
PE Ratio 8.14
FGL's PE Ratio is ranked higher than
82% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.25 vs. FGL: 8.14 )
Ranked among companies with meaningful PE Ratio only.
FGL' s PE Ratio Range Over the Past 10 Years
Min: 3.14  Med: 9.47 Max: 14.37
Current: 8.14
3.14
14.37
PE Ratio without NRI 8.14
FGL's PE Ratio without NRI is ranked higher than
82% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 13.09 vs. FGL: 8.14 )
Ranked among companies with meaningful PE Ratio without NRI only.
FGL' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.14  Med: 9.47 Max: 14.37
Current: 8.14
3.14
14.37
Price-to-Owner-Earnings 9.70
FGL's Price-to-Owner-Earnings is ranked lower than
52% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.39 vs. FGL: 9.70 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
FGL' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 5.92  Med: 9.65 Max: 17.33
Current: 9.7
5.92
17.33
PB Ratio 0.82
FGL's PB Ratio is ranked higher than
67% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.18 vs. FGL: 0.82 )
Ranked among companies with meaningful PB Ratio only.
FGL' s PB Ratio Range Over the Past 10 Years
Min: 0.67  Med: 0.83 Max: 1.09
Current: 0.82
0.67
1.09
PS Ratio 1.19
FGL's PS Ratio is ranked lower than
64% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.82 vs. FGL: 1.19 )
Ranked among companies with meaningful PS Ratio only.
FGL' s PS Ratio Range Over the Past 10 Years
Min: 0.69  Med: 1.22 Max: 1.69
Current: 1.19
0.69
1.69
Price-to-Free-Cash-Flow 7.80
FGL's Price-to-Free-Cash-Flow is ranked lower than
56% of the 57 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.33 vs. FGL: 7.80 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
FGL' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 3.15  Med: 7.08 Max: 58.48
Current: 7.8
3.15
58.48
Price-to-Operating-Cash-Flow 7.67
FGL's Price-to-Operating-Cash-Flow is ranked lower than
58% of the 64 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.97 vs. FGL: 7.67 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
FGL' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 3.09  Med: 6.7 Max: 46.53
Current: 7.67
3.09
46.53
EV-to-EBIT 3.80
FGL's EV-to-EBIT is ranked higher than
82% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. FGL: 3.80 )
Ranked among companies with meaningful EV-to-EBIT only.
FGL' s EV-to-EBIT Range Over the Past 10 Years
Min: 1.1  Med: 4.5 Max: 7.1
Current: 3.8
1.1
7.1
EV-to-EBITDA 3.40
FGL's EV-to-EBITDA is ranked higher than
82% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.45 vs. FGL: 3.40 )
Ranked among companies with meaningful EV-to-EBITDA only.
FGL' s EV-to-EBITDA Range Over the Past 10 Years
Min: 1.2  Med: 3.9 Max: 6
Current: 3.4
1.2
6
EV-to-Revenue 0.89
FGL's EV-to-Revenue is ranked higher than
52% of the 75 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.93 vs. FGL: 0.89 )
Ranked among companies with meaningful EV-to-Revenue only.
FGL' s EV-to-Revenue Range Over the Past 10 Years
Min: 0.3  Med: 0.9 Max: 1.5
Current: 0.89
0.3
1.5

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.84
FGL's Dividend Yield % is ranked lower than
99.99% of the 135 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.13 vs. FGL: 0.84 )
Ranked among companies with meaningful Dividend Yield % only.
FGL' s Dividend Yield % Range Over the Past 10 Years
Min: 0.28  Med: 1.01 Max: 1.26
Current: 0.84
0.28
1.26
Dividend Payout Ratio 0.07
FGL's Dividend Payout Ratio is ranked higher than
89% of the 102 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.26 vs. FGL: 0.07 )
Ranked among companies with meaningful Dividend Payout Ratio only.
FGL' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.07  Med: 0.1 Max: 0.16
Current: 0.07
0.07
0.16
3-Year Dividend Growth Rate 10.10
FGL's 3-Year Dividend Growth Rate is ranked higher than
55% of the 55 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.20 vs. FGL: 10.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
FGL' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0 Max: 10.1
Current: 10.1
0
10.1
Forward Dividend Yield % 0.84
FGL's Forward Dividend Yield % is ranked lower than
99.99% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 3.50 vs. FGL: 0.84 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.84
FGL's 5-Year Yield-on-Cost % is ranked lower than
99.99% of the 132 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.09 vs. FGL: 0.84 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
FGL' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.28  Med: 1.01 Max: 1.26
Current: 0.84
0.28
1.26
3-Year Average Share Buyback Ratio -0.30
FGL's 3-Year Average Share Buyback Ratio is ranked lower than
64% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.10 vs. FGL: -0.30 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FGL' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.3  Med: -0.15 Max: 0
Current: -0.3
-1.3
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.64
FGL's Price-to-Tangible-Book is ranked lower than
53% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.46 vs. FGL: 1.64 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
FGL' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 1.09  Med: 1.58 Max: 2.81
Current: 1.64
1.09
2.81
Price-to-Intrinsic-Value-Projected-FCF 0.45
FGL's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
62% of the 52 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.55 vs. FGL: 0.45 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
FGL' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.45  Med: 0.45 Max: 0.45
Current: 0.45
Price-to-Median-PS-Value 0.97
FGL's Price-to-Median-PS-Value is ranked higher than
57% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. FGL: 0.97 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
FGL' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.81  Med: 0.98 Max: 1.22
Current: 0.97
0.81
1.22
Price-to-Graham-Number 0.77
FGL's Price-to-Graham-Number is ranked higher than
67% of the 73 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. FGL: 0.77 )
Ranked among companies with meaningful Price-to-Graham-Number only.
FGL' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.6  Med: 0.87 Max: 1.23
Current: 0.77
0.6
1.23
Earnings Yield (Greenblatt) % 26.32
FGL's Earnings Yield (Greenblatt) % is ranked higher than
85% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.31 vs. FGL: 26.32 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
FGL' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 14  Med: 22.2 Max: 93.5
Current: 26.32
14
93.5

More Statistics

Revenue (TTM) (Mil) $1,530.00
EPS (TTM) $ 3.82
52-Week Range $23.20 - 31.70
Shares Outstanding (Mil)59.00

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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