F&G Annuities & Life, Inc. (FG) Earnings History

F&G Annuities & Life, Inc. - Q3 FY2025 Earnings

Filed at: Nov 6, 2025, 3:22 PM EST|Read from source

EXECUTIVE SUMMARY

F&G Annuities & Life reported strong third quarter results driven by record assets under management and robust sales, while also completing a new reinsurance sidecar. The company is on track to meet its Investor Day targets, benefiting from increased scale and disciplined expense management.

POSITIVE HIGHLIGHTS

  • •

    Record assets under management before flow reinsurance increased 14% YoY to $71.4 billion.

    positive
  • •

    Gross sales increased 8% YoY to $4.2 billion, driven by strong demand for retirement savings products.

    positive
  • •

    Completed launch of a new reinsurance sidecar with approximately $1 billion in anticipated capital commitments.

    positive
  • •

    Operating expense to AUM ratio improved to 52 basis points, down 10 basis points from Q3 2024.

    positive
  • •

    Investment portfolio shows excellent credit performance with 96% investment grade and low, stable credit-related impairments.

    positive

CONCERNS & RISKS

  • •

    Adjusted net earnings per share remained flat at $1.22 compared to Q3 2024, despite revenue growth.

    attention
  • •

    Investment income from alternative investments was $67 million below management's long-term expected return in Q3 2025.

    attention
  • •

    Net sales decreased slightly for the nine-month period compared to the prior year.

    attention

FINANCIAL METRICS

Revenue
Quarterly
$1.69B
+17.3%
Prior year: $1.44B
Annual (YTD)
$3.97B
N/A
Prior year: $4.18B
Net Income
Quarterly
$114.00M
+1240.0%
Prior year: $-10.00M
Annual (YTD)
$124.00M
N/A
Prior year: $299.00M
EPS (Diluted)
Quarterly
$0.85
+1162.5%
Prior year: $-0.08
Annual (YTD)
$0.94
N/A
Prior year: $2.38
Operating Income
Quarterly
N/A
N/A
EPS (Basic)
Quarterly
$0.86
+1175.0%
Prior year: $-0.08
Annual (YTD)
$0.95
N/A
Prior year: $2.41

MARGIN ANALYSIS

Net Margin
Current Quarter
6.7%
Prior Year
-0.7%
YoY Change
+742 bps

Margin expansion indicates improving profitability and operational efficiency. Measured in basis points (bps): 100 bps = 1.0%.

SPECIAL ITEMS & ADJUSTMENTS

Q3 2025
Net unfavorable mark-to-market effects
Excluded from adjusted net earnings
+$25M
Q3 2025
Other unfavorable items
Excluded from adjusted net earnings
+$26M
Q3 2024
Net unfavorable mark-to-market effects
Excluded from adjusted net earnings
+$150M
Q3 2024
Other unfavorable items
Excluded from adjusted net earnings
+$16M
Total Impact
+$217M

Special items are non-recurring events that may distort period-over-period comparisons. Analysts typically adjust for these when calculating normalized earnings.

MANAGEMENT COMMENTARY

Outstanding third quarter results highlighted by record assets under management and strong sales.

— F&G Annuities & Life, Inc., Q3 FY2025 2025 Earnings Call

Launch of new reinsurance sidecar and strong performance across the business.

— F&G Annuities & Life, Inc., Q3 FY2025 2025 Earnings Call

Business benefits from increased scale and disciplined expense management.

— F&G Annuities & Life, Inc., Q3 FY2025 2025 Earnings Call

Commentary excerpts from earnings call transcripts provide management's perspective on performance, strategy, and outlook. Always review full transcripts for complete context.

OPERATIONAL METRICS

Assets Under Management Before Flow Reinsurance
71430.0M
+13.6% YoY
Prior year: 62875.0M
dollars
Operating Expense To Aum Before Flow Reinsurance
52
Prior year: 62
basis points
Retained Aum
56647.0M
+8.0% YoY
Prior year: 52464.0M
dollars

Operational metrics provide insight into business drivers and customer engagement beyond traditional financial measures.