F&G Annuities & Life Inc. (FG)vsMetLife Inc (MET)
FG
F&G Annuities & Life Inc.
$24.64
+1.48%
FINANCIAL SERVICES · Cap: $3.29B
MET
MetLife Inc
$70.39
+0.72%
FINANCIAL SERVICES · Cap: $46.05B
Smart Verdict
WallStSmart Research — data-driven comparison
MetLife Inc generates 1245% more annual revenue ($77.08B vs $5.73B). FG leads profitability with a 4.6% profit margin vs 4.4%. FG trades at a lower P/E of 12.9x. MET earns a higher WallStSmart Score of 63/100 (C+).
FG
Buy53
out of 100
Grade: C-
MET
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-121.9%
Fair Value
$12.78
Current Price
$24.64
$11.86 premium
Margin of Safety
-146.3%
Fair Value
$32.03
Current Price
$70.39
$38.36 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Attractively priced relative to earnings
Generating 1.5B in free cash flow
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Revenue surging 27.6% year-over-year
Generating 8.1B in free cash flow
Areas to Watch
ROE of 6.0% — below average capital efficiency
4.6% margin — thin
Weak financial health signals
Earnings declined 64.2%
4.4% margin — thin
Operating margin of 4.7%
Earnings declined 34.2%
Comparative Analysis Report
WallStSmart ResearchBull Case : FG
The strongest argument for FG centers on Price/Book, P/E Ratio, Free Cash Flow. Revenue growth of 13.2% demonstrates continued momentum.
Bull Case : MET
The strongest argument for MET centers on PEG Ratio, P/E Ratio, Price/Book. Revenue growth of 27.6% demonstrates continued momentum. PEG of 0.60 suggests the stock is reasonably priced for its growth.
Bear Case : FG
The primary concerns for FG are Return on Equity, Profit Margin, Piotroski F-Score. Thin 4.6% margins leave little buffer for downturns.
Bear Case : MET
The primary concerns for MET are Profit Margin, Operating Margin, EPS Growth. Thin 4.4% margins leave little buffer for downturns.
Key Dynamics to Monitor
FG profiles as a value stock while MET is a growth play — different risk/reward profiles.
FG carries more volatility with a beta of 1.61 — expect wider price swings.
MET is growing revenue faster at 27.6% — sustainability is the question.
MET generates stronger free cash flow (8.1B), providing more financial flexibility.
Bottom Line
MET scores higher overall (63/100 vs 53/100) and 27.6% revenue growth. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
F&G Annuities & Life Inc.
FINANCIAL SERVICES · INSURANCE - LIFE · USA
FGL Holdings sells individual life and annuity insurance products in the United States. The company is headquartered in Des Moines, Iowa.
MetLife Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
MetLife, Inc. is the holding corporation for the Metropolitan Life Insurance Company (MLIC), better known as MetLife, and its affiliates. MetLife is among the largest global providers of insurance, annuities, and employee benefit programs, with 90 million customers in over 60 countries.
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