📊 CRBD Key Takeaways
Investment Thesis
Corebridge Financial faces significant operational challenges with negative profitability across multiple metrics and deteriorating earnings quality. Despite maintaining substantial assets of $413.5B and positive free cash flow of $2.0B, the company's -2.9% operating margin and -2.0% net margin indicate fundamental business stress within its insurance operations. The negative net income combined with sharply declining diluted EPS suggests underlying structural issues that require operational improvement before the company can achieve sustainable profitability.
CRBD Strengths
- Positive operating cash flow of $2.0B demonstrates ability to generate cash from core operations despite net losses
- Substantial asset base of $413.5B provides financial stability and operational capacity in insurance segment
- Manageable debt-to-equity ratio of 0.70x indicates moderate leverage relative to equity base
- Free cash flow of $2.0B (10.9% FCF margin) shows potential for capital allocation despite profitability challenges
CRBD Risks
- Persistent net losses of -$366.0M with negative net margin of -2.0% indicates ongoing unprofitability
- Operating margin of -2.9% and negative operating income of -$541.0M signal fundamental operational inefficiency
- Diluted EPS of -$0.68 with -118.3% YoY deterioration demonstrates sharply declining earnings quality
- Negative interest coverage ratio of -1.0x indicates inability to cover interest expenses from operating income
- Revenue decline of -1.2% YoY coupled with losses suggests competitive or underwriting headwinds
Key Metrics to Watch
- Operating margin trend and path to profitability in core insurance underwriting
- Net income trajectory and achievement of positive earnings sustainability
- Revenue growth stabilization and underwriting performance by segment
- Operating cash flow sustainability relative to capital obligations and interest expense coverage
CRBD Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CRBD Profitability Ratios
CRBD vs Finance Sector
How Corebridge Financial, Inc. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CRBD Balance Sheet & Liquidity
CRBD 5-Year Financial Trend
5-Year Trend Summary: Corebridge Financial, Inc.'s revenue has declined by 30% over the 5-year period, indicating business contraction. The most recent EPS of $1.71 reflects profitable operations.
CRBD Growth Metrics (YoY)
CRBD Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $2.6B | $59.0M | $0.10 |
| Q2 2025 | $2.7B | $365.0M | $0.59 |
| Q1 2025 | $3.6B | -$664.0M | $-1.19 |
| Q3 2024 | $2.6B | $59.0M | $0.10 |
| Q2 2024 | $3.7B | $312.0M | $0.48 |
| Q1 2024 | $4.3B | -$459.0M | $-0.70 |
| Q3 2023 | $5.5B | $2.1B | $3.28 |
| Q2 2023 | $5.8B | $312.0M | $0.48 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CRBD Capital Allocation
CRBD SEC Filings
Access official SEC EDGAR filings for Corebridge Financial, Inc. (CIK: 0001889539)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CRBD
What is the AI rating for CRBD?
Corebridge Financial, Inc. (CRBD) has an AI rating of SELL with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CRBD's key strengths?
Positive operating cash flow of $2.0B demonstrates ability to generate cash from core operations despite net losses. Substantial asset base of $413.5B provides financial stability and operational capacity in insurance segment.
What are the risks of investing in CRBD?
Persistent net losses of -$366.0M with negative net margin of -2.0% indicates ongoing unprofitability. Operating margin of -2.9% and negative operating income of -$541.0M signal fundamental operational inefficiency.
What is CRBD's revenue and growth?
Corebridge Financial, Inc. reported revenue of $18.5B.
Does CRBD pay dividends?
Corebridge Financial, Inc. pays dividends, with $511.0M distributed to shareholders in the trailing twelve months.
Where can I find CRBD SEC filings?
Official SEC filings for Corebridge Financial, Inc. (CIK: 0001889539) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CRBD's EPS?
Corebridge Financial, Inc. has a diluted EPS of $-0.68.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.