Emergent Capital (OTCMKTS:EMGCQ) versus F&G Annuities & Life (NYSE:FG) Financial Analysis

F&G Annuities & Life (NYSE:FG) and Emergent Capital (OTCMKTS:EMGCQ) are both finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, earnings, profitability, risk, dividends, institutional ownership and valuation.

Profitability

This table compares F&G Annuities & Life and Emergent Capital’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
F&G Annuities & Life	0.22%	13.05%	0.64%
Emergent Capital	N/A	N/A	N/A

Valuation & Earnings

This table compares F&G Annuities & Life and Emergent Capital”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
F&G Annuities & Life	$4.50 billion	1.25	-$58.00 million	($0.06)	-744.29
Emergent Capital	N/A	N/A	N/A	N/A	N/A

Emergent Capital has lower revenue, but higher earnings than F&G Annuities & Life.

Institutional and Insider Ownership

95.9% of F&G Annuities & Life shares are held by institutional investors. 1.8% of F&G Annuities & Life shares are held by insiders. Comparatively, 48.9% of Emergent Capital shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings for F&G Annuities & Life and Emergent Capital, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
F&G Annuities & Life	0	2	0	0	2.00
Emergent Capital	0	0	0	0	0.00

F&G Annuities & Life presently has a consensus target price of $46.50, indicating a potential upside of 4.11%. Given F&G Annuities & Life’s stronger consensus rating and higher possible upside, analysts plainly believe F&G Annuities & Life is more favorable than Emergent Capital.

Summary

F&G Annuities & Life beats Emergent Capital on 7 of the 8 factors compared between the two stocks.

About F&G Annuities & Life

F&G Annuities & Life, Inc. engages in the provision of fixed annuity and life insurance products. It specializes in life insurance, annuities, retirement planning and wealth transfer. The company was founded in 1959 and is headquartered in Des Moines, IA.

About Emergent Capital

Emergent Capital, Inc., a specialty finance company, invests in life settlements. As of August 31, 2020, it owned a portfolio of 500 life insurance policies. The company was formerly known as Imperial Holdings, Inc. and changed its name to Emergent Capital, Inc. in September 2015. The company was founded in 2006 and is based in Boca Raton, Florida. On October 15, 2020, Emergent Capital, Inc., along with its affiliate, filed a voluntary petition for reorganization under Chapter 11 in the U.S. Bankruptcy Court for the District of Delaware.