F&G Annuities & LifeFG -0.87%57 Interest Coverage is 8.88 as of Mar. 2026, which is 16% below its 10-year median of 10.53. GuruFocus rates FG with a GF Score™ of 57/100 and a GF Value™ of $31.20 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 351 Insurance companies, F&G Annuities & Life ranks worse than 77.49% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. F&G Annuities & Life's
EBIT
for the
three
months ended in Mar. 2026 was $364 Mil. F&G Annuities & Life's Interest Expense for the
three
months ended in Mar. 2026 was $-41 Mil.
F&G Annuities & Life's interest coverage for the quarter that ended in Mar. 2026 was 8.88.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for F&G Annuities & Life's Interest Coverage or its related term are showing as below:
FG'
s Interest Coverage Range Over the Past 10 Years
Min: 0.64 Med: 10.53 Max: 54.52
Current: 5.07
FG's Interest Coverage is ranked worse than 77.49% of 351
companies
in the Insurance industry
Industry Median: 16.23
vs FG: 5.07
F&G Annuities & Life (NYSE:FG) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
F&G Annuities & Life Interest Coverage Related Terms
F&G Annuities & Life Interest Coverage Historical Data
* Premium members only.
The historical data trend for F&G Annuities & Life's Interest Coverage can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
For the Insurance - Life subindustry, F&G Annuities & Life's Interest Coverage, along with its competitors' market caps and Interest Coverage data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
F&G Annuities & Life Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, F&G Annuities & Life's Interest Coverage distribution charts can be found below:
* The bar in red indicates where F&G Annuities & Life's Interest Coverage falls into.
F&G Annuities & Life Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
F&G Annuities & Life (FG) has a Interest Coverage of 8.88 as of Mar. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on F&G Annuities & Life and its competitors. This is 16% below median its historical median of 10.53. Over the past decade, F&G Annuities & Life's Interest Coverage has ranged from 0.64 to 54.52. According to the industry distribution chart, F&G Annuities & Life ranks #272 out of 351 companies in the Insurance industry, placing it in the top 77.5%.
Is F&G Annuities & Life's Interest Coverage too high?
F&G Annuities & Life's current Interest Coverage of 8.88 is 16% below median its 10-year median of 10.53. Over the past 10 years, this metric has ranged from a low of 0.64 to a high of 54.52. The Insurance industry median Interest Coverage is 16.23. F&G Annuities & Life's value of 8.88 is 45.3% below this industry median. Based on the distribution chart, F&G Annuities & Life ranks #272 out of 351 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, F&G Annuities & Life has a GF Score™ of 57/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does F&G Annuities & Life's Interest Coverage compare to BHF and GNW?
According to the Insurance industry distribution chart, F&G Annuities & Life ranks #272 out of 351 companies for Interest Coverage. This places F&G Annuities & Life in the lower half of its industry. The industry median Interest Coverage is 16.23. F&G Annuities & Life's value of 8.88 is 45.3% below this benchmark. Historically, F&G Annuities & Life's own Interest Coverage has ranged from 0.64 to 54.52 over the past decade. While the company's 10-year median is 10.53 vs. the industry median of 16.23, F&G Annuities & Life has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.23, based on 351 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. F&G Annuities & Life's current Interest Coverage of 8.88 is 45.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on F&G Annuities & Life and its competitors. For the Insurance industry, the median Interest Coverage is 16.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. F&G Annuities & Life's current Interest Coverage is 8.88, which is 16% below median its own 10-year median of 10.53. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is F&G Annuities & Life stock overvalued right now?
Based on GuruFocus' analysis, F&G Annuities & Life (FG) is currently considered Modestly Undervalued. The stock's GF Value™ is $31.20, compared to a current price of $26.21 — trading 16% below its estimated fair value. The current Interest Coverage is 8.88, which is 16% below median its 10-year median of 10.53 and 45.3% below the Insurance industry median of 16.23. F&G Annuities & Life's overall GF Score™ is 57/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For F&G Annuities & Life (FG), the current Interest Coverage is 8.88 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is F&G Annuities & Life (FG) Overvalued in 2026?
Based on GuruFocus' analysis, F&G Annuities & Life stock appears to be undervalued.
The current stock price of $26.21 is trading 16% below its estimated GF Value™ of $31.20.
GuruFocus considers F&G Annuities & Life to be Modestly Undervalued.
Key valuation signals for FG:
Interest Coverage: 8.88 (16% below median its 10-year median of 10.53)
GF Value™: $31.20 vs. price of $26.21 (16% below fair value)
Industry Position: 45.3% below the Insurance median (#272 of 351)
No single metric tells the full story. See the FG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
F&G Annuities & Life Inc is a provider of insurance solutions serving retail annuity and life customers as well as institutional clients. Through its insurance subsidiaries, including FGL Insurance and Fidelity & Guaranty Life Insurance Company of New York it markets a broad portfolio of deferred annuities (fixed indexed annuities (FIAs) and multi-year guarantee annuities (MYGAs) or other fixed rate annuities), immediate annuities, indexed universal life (IUL) insurance, funding agreements through funding agreement-backed notes issuances and the Federal Home Loan Bank of Atlanta (FHLB)), and pension risk transfer (PRT) solutions.
57GF Score
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