The following are the top rated Financial stocks according to Validea's Value Investor model based on the published strategy of Benjamin Graham. This deep value methodology screens for stocks that have low P/B and P/E ratios, along with low debt and solid long-term earnings growth.
F&G ANNUITIES & LIFE INC (FG) is a mid-cap value stock in the Insurance (Life) industry. The rating according to our strategy based on Benjamin Graham is 71% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: F&G Annuities & Life, Inc. is a provider of insurance solutions, serving retail annuity and life customers and institutional clients. It issues a portfolio of annuity and life insurance products, such as deferred annuities, fixed indexed and fixed rate annuities, immediate annuities, and indexed universal life (IUL) insurance, through its retail distribution channels. It also provides funding agreements and pension risk transfer (PRT) solutions through its institutional channels. Its fixed indexed annuities (FIA) allow contract owners the possibility of earning returns linked to the performance of a specified market index, predominantly the S&P 500 Index, while providing principal protection. All FIA products allow policyholders to allocate funds once a year among several different crediting strategies, including one or more index-based strategies and a traditional fixed rate strategy. It distributes its annuity and life insurance products through independent agents and broker dealers.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
| SECTOR: | FAIL |
| SALES: | PASS |
| CURRENT RATIO: | PASS |
| LONG-TERM DEBT IN RELATION TO NET CURRENT ASSETS: | PASS |
| LONG-TERM EPS GROWTH: | FAIL |
| P/E RATIO: | PASS |
| PRICE/BOOK RATIO: | PASS |
Detailed Analysis of F&G ANNUITIES & LIFE INC
STONEX GROUP INC (SNEX) is a small-cap value stock in the Investment Services industry. The rating according to our strategy based on Benjamin Graham is 57% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: StoneX Group Inc. is a global financial services network that connects companies, organizations, traders, and investors to theglobal marketecosystem through digital platforms. Its segments include Commercial, which offers commercial clients a range of products and services, including risk management and hedging services, execution and clearing of exchange-traded and over-the-counter (OTC) products, voice brokerage, market intelligence, and physical trading; Institutional, which provides institutional clients with a complete suite of equity trading services to help them find liquidity with execution, liquidity across a range of fixed income products, as well as prime brokerage in equities and foreign currency pairs and swap transactions; Retail, which includes spot foreign exchange (forex), both financial trading and physical investment in precious metals, and Global payments, which provide customized payment, technology and treasury services to banks and commercial businesses.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
| SECTOR: | FAIL |
| SALES: | PASS |
| CURRENT RATIO: | FAIL |
| LONG-TERM DEBT IN RELATION TO NET CURRENT ASSETS: | FAIL |
| LONG-TERM EPS GROWTH: | PASS |
| P/E RATIO: | PASS |
| PRICE/BOOK RATIO: | PASS |
Detailed Analysis of STONEX GROUP INC
TRUIST FINANCIAL CORP (TFC) is a large-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Benjamin Graham is 57% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Truist Financial Corporation is a financial services company. The Company operates through its commercial bank subsidiary, Truist Bank (the Bank). The Bank provides a range of banking and trust services for clients and its digital platform. The Company's segments include Consumer Banking and Wealth, Corporate and Commercial Banking, and Insurance Holdings. It provides a range of banking services to commercial and consumer clients, which includes asset management, automobile lending, credit card lending, consumer finance, home equity lending, insurance, investment brokerage services, mobile/online banking, payment solutions, retail deposit products, small business lending and student lending. Its services also include commercial deposit and treasury services, commercial finance, commercial lending, floor plan lending, leasing, investment banking and capital markets services, institutional trust services, international banking, insurance premium finance and supply chain financing.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
| SECTOR: | FAIL |
| SALES: | PASS |
| CURRENT RATIO: | FAIL |
| LONG-TERM DEBT IN RELATION TO NET CURRENT ASSETS: | FAIL |
| LONG-TERM EPS GROWTH: | PASS |
| P/E RATIO: | PASS |
| PRICE/BOOK RATIO: | PASS |
Detailed Analysis of TRUIST FINANCIAL CORP
SYNCHRONY FINANCIAL (SYF) is a large-cap value stock in the Consumer Financial Services industry. The rating according to our strategy based on Benjamin Graham is 57% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Synchrony Financial is a consumer financial services company that is focused on delivering digitally enabled product suites. The Company, through its subsidiary, Synchrony Bank (the Bank), offers private label, dual card, co-brand and general-purpose credit cards, as well as short- and long-term installment loans, and savings products. It offers a range of deposit products, such as certificates of deposit, individual retirement accounts, money market accounts and savings accounts. It also takes deposits at the Bank through third-party securities brokerage firm that offer its insured deposit products to their customers. It provides label and co-branded credit cards, and installment loans to retailers. It offers financing programs across key industries, including digital, health and wellness, retail, home, auto, powersports, jewelry, and pets. It offers its credit products through five sales platforms: Home & Auto, Digital, Diversified & Value, Health & Wellness and Lifestyle.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
| SECTOR: | FAIL |
| SALES: | PASS |
| CURRENT RATIO: | FAIL |
| LONG-TERM DEBT IN RELATION TO NET CURRENT ASSETS: | FAIL |
| LONG-TERM EPS GROWTH: | PASS |
| P/E RATIO: | PASS |
| PRICE/BOOK RATIO: | PASS |
Detailed Analysis of SYNCHRONY FINANCIAL
CITIZENS FINANCIAL GROUP INC (CFG) is a large-cap value stock in the Money Center Banks industry. The rating according to our strategy based on Benjamin Graham is 57% based on the firm’s underlying fundamentals and the stock’s valuation. A score of 80% or above typically indicates that the strategy has some interest in the stock and a score above 90% typically indicates strong interest.
Company Description: Citizens Financial Group, Inc. offers a range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. The Company operates through two segments: Consumer Banking and Commercial Banking. Consumer Banking segment serves retail customers and small businesses, with products and services that include deposit products, mortgage and home equity lending, credit cards, business loans, wealth management and investment services across its 14-state traditional banking footprint. Its network includes specialists covering lending, savings and investment needs as well as small business products and services. Commercial Banking segment primarily serves companies and institutions. The segment offers a complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, and interest rate and commodity risk management solutions, among others.
The following table summarizes whether the stock meets each of this strategy's tests. Not all criteria in the below table receive equal weighting or are independent, but the table provides a brief overview of the strong and weak points of the security in the context of the strategy's criteria.
| SECTOR: | FAIL |
| SALES: | PASS |
| CURRENT RATIO: | FAIL |
| LONG-TERM DEBT IN RELATION TO NET CURRENT ASSETS: | FAIL |
| LONG-TERM EPS GROWTH: | PASS |
| P/E RATIO: | PASS |
| PRICE/BOOK RATIO: | PASS |
Detailed Analysis of CITIZENS FINANCIAL GROUP INC
About Benjamin Graham: The late Benjamin Graham may be the oldest of the gurus we follow, but his impact on the investing world has lasted for decades after his death in 1976. Known as both the "Father of Value Investing" and the founder of the entire field of security analysis, Graham mentored several of history's greatest investors -- including Warren Buffett -- and inspired a slew of others, including John Templeton, Mario Gabelli, and another of Validea's gurus, John Neff. Graham built his fortune and reputation after living through some extremely difficult times, including both the Great Depression and his own family's financial woes following his father's death when Benjamin was a young man. His investment firm posted per annum returns of about 20 percent from 1936 to 1956, far outpacing the 12.2 percent average return for the market during that time.
About Validea: Validea is aninvestment researchservice that follows the published strategies of investment legends. Validea offers both stock analysis and model portfolios based on gurus who have outperformed the market over the long-term, including Warren Buffett, Benjamin Graham, Peter Lynch and Martin Zweig. For more information about Validea, click here
The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.
