FGHIGH SIGNALFINANCIAL10-K

Net income plummeted 58.5% to $265M despite significant asset growth, indicating deteriorating operational efficiency and profitability amid major business expansion.

The dramatic decline in profitability alongside substantial asset growth suggests FG is struggling to generate returns on its expanded operations, potentially indicating integration challenges from recent acquisitions or margin compression in core business lines. The $262M goodwill addition from the Roar Joint Venture acquisition, combined with declining operating cash flows, raises questions about capital allocation effectiveness and future earnings quality.

Comparing 2026-02-26 vs 2025-02-28View on EDGAR →
FINANCIAL ANALYSIS

FG experienced significant growth in scale with total assets expanding 15.7% to $98.4B and stockholders equity rising 21.6% to $4.8B, yet profitability collapsed with net income falling 58.5% to $265M. Operating cash flow declined 22% to $4.7B while interest expense surged 36.1%, and cash reserves dropped sharply by 34.4% to $1.5B. This combination of substantial asset growth paired with deteriorating profitability metrics and weakening cash generation suggests operational challenges and potential margin compression that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
-58.5%
$639.0M$265.0M

Net income declined 58.5% — review whether driven by operations, interest costs, or non-recurring items.

Interest Expense
P&L
+36.1%
$97.0M$132.0M

Interest expense surged 36.1% — significant debt increase or rising rates materially impacting earnings.

Cash & Equivalents
Balance Sheet
-34.4%
$2.3B$1.5B

Cash declined 34.4% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Operating Cash Flow
Cash Flow
-22%
$6.0B$4.7B

Operating cash flow softened — monitor whether temporary working capital timing or structural deterioration.

Stockholders Equity
Balance Sheet
+21.6%
$4.0B$4.8B

Equity base grew 21.6% — retained earnings accumulation or equity issuance strengthening the balance sheet.

Share Buybacks
Cash Flow
-16.7%
$12.0M$10.0M

Buyback activity reduced 16.7% — capital being redeployed elsewhere or cash conservation underway.

Total Assets
Balance Sheet
+15.7%
$85.0B$98.4B

Asset base grew 15.7% — expansion through organic growth, acquisitions, or capital deployment.

Total Liabilities
Balance Sheet
+15.5%
$81.0B$93.5B

Liabilities increased 15.5% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-02-26
PRIOR — 2025-02-28
ADDED
There have been no changes in goodwill since the FNF acquisition.
Refer to Note A - Business and Summary of Significant Accounting Policies regarding our accounting policy for Goodwill and discussion of impairment testing.
Subsequent to December 31, 2023, we recorded $ 262 million of goodwill associated with the acquisition of Roar Joint Venture, LLC.
See Note W - Subsequent Events for further details about the acquisition and goodwill recorded.
The registrant had outstanding 135,610,118 shares of common stock as of January 31, 2026.
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REMOVED
The registrant had outstanding 126,773,653 shares of common stock as of January 31, 2025.
Form 10-K Summary 223 Signatures 224 3 Introductory Note The following describes the business of F G Annuities Life, Inc.
The on-going conflicts in Russia, Ukraine and the Middle East may adversely affect our business, financial condition, results of operations and cash flows.
As of December 31, 2024, F G has approximately 731,000 policyholders who count on the safety and protection of our fixed annuity and life insurance products.
Gross sales profitability increased from $4.5 billion for the full year 2020 to $15.3 billion in 2024.
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