Atlantic American Corporation (AAME) vs F&G Annuities & Life, Inc. (FG)

Atlantic American Corporation and F&G Annuities & Life, Inc. are both Insurance Life companies. F&G Annuities & Life, Inc. is the larger, with a market value of $2.6B against $24.7M — 103.7× the size. Atlantic American Corporation trades at the lower P/E: 5.1× against 6.4×. F&G Annuities & Life, Inc. grew revenue faster over the last twelve months: 15.0% against 12.0%. F&G Annuities & Life, Inc. has the higher net margin (6.61% vs 2.26%) and the higher return on invested capital (8.88% vs 5.58%). Only F&G Annuities & Life, Inc. pays a dividend (5.19%). Across the 20 metrics below, F&G Annuities & Life, Inc. leads on 12 and Atlantic American Corporation on 8.

Valuation

Metric AAME FG Insurance Life median
P/E 5.13 6.42 12.22
P/S 0.12 0.41 0.75
P/B 0.22 0.53 1.07
Price to free cash flow 0.99 0.58 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.49% 15.58% 8.18%
Free cash flow yield 100.74% 172.74% 11.33%

Profitability

Metric AAME FG Insurance Life median
Gross margin 12.51% 30.01% 32.44%
Operating margin 4.67% 11.31% 11.31%
Net margin 2.26% 6.61% 6.61%
Free cash flow margin 11.65% 71.29% 15.04%
Return on equity 4.38% 8.67% 8.67%
Return on assets 1.15% 0.41% 0.67%
Return on invested capital 5.58% 8.88% 8.20%

Growth

Metric AAME FG Insurance Life median
Revenue growth (TTM) 11.99% 15.01% 7.91%
EPS growth (last fiscal year) (666.67%) (61.48%) (20.59%)
Revenue growth, 5-year CAGR (1.03%) 32.79% 1.08%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric AAME FG Insurance Life median
Debt to equity 0.31 0.48 0.48
Current ratio 0.31 0.30 0.21
Net debt to EBITDA (0.12) 0.65 0.12

Dividend

Metric AAME FG Insurance Life median
Dividend yield 0.00% 5.19% 2.21%
Payout ratio 0.00 0.34 0.26

Size

Metric AAME FG Insurance Life median
Market cap 24.68m 2.56b 7.85b

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