F&G Annuities & Life Inc. (FG)vsManulife Financial Corp (MFC)
FG
F&G Annuities & Life Inc.
$24.64
+1.48%
FINANCIAL SERVICES · Cap: $3.29B
MFC
Manulife Financial Corp
$34.60
+0.48%
FINANCIAL SERVICES · Cap: $56.67B
Smart Verdict
WallStSmart Research — data-driven comparison
Manulife Financial Corp generates 440% more annual revenue ($30.98B vs $5.73B). MFC leads profitability with a 18.7% profit margin vs 4.6%. FG trades at a lower P/E of 12.9x. MFC earns a higher WallStSmart Score of 66/100 (B-).
FG
Buy53
out of 100
Grade: C-
MFC
Strong Buy66
out of 100
Grade: B-
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
-149.9%
Fair Value
$15.16
Current Price
$34.59
$19.43 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
Strong operational efficiency at 133.5%
Large-cap with strong market position
Conservative balance sheet, low leverage
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
ROE of 6.0% — below average capital efficiency
4.6% margin — thin
Weak financial health signals
Earnings declined 64.2%
Revenue declined 34.9%
Earnings declined 6.1%
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 : MFC
The strongest argument for MFC centers on Operating Margin, Market Cap, Debt/Equity. Profitability is solid with margins at 18.7% and operating margin at 133.5%. PEG of 0.78 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 : MFC
The primary concerns for MFC are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
FG profiles as a value stock while MFC is a declining play — different risk/reward profiles.
FG carries more volatility with a beta of 1.61 — expect wider price swings.
FG is growing revenue faster at 13.2% — sustainability is the question.
MFC generates stronger free cash flow (8.6B), providing more financial flexibility.
Bottom Line
MFC scores higher overall (66/100 vs 53/100), backed by strong 18.7% margins. Both earn "Strong 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.
Manulife Financial Corp
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Manulife Financial Corporation, offers financial products and services in Asia, Canada, the United States and internationally. The company is headquartered in Toronto, Canada.
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