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Side-by-side financial comparison of F&G Annuities & Life, Inc. (FG) and MARRIOTT VACATIONS WORLDWIDE Corp (VAC). Click either name above to swap in a different company.
F&G Annuities & Life, Inc. is the larger business by last-quarter revenue ($1.8B vs $1.2B, roughly 1.4× MARRIOTT VACATIONS WORLDWIDE Corp). F&G Annuities & Life, Inc. runs the higher net margin — 7.3% vs -35.0%, a 42.3% gap on every dollar of revenue. On growth, F&G Annuities & Life, Inc. posted the faster year-over-year revenue change (13.2% vs -0.7%). Over the past eight quarters, F&G Annuities & Life, Inc.'s revenue compounded faster (6.1% CAGR vs 5.2%).
F&G Annuities & Life, Inc. is a public company headquartered in Des Moines, Iowa. It primarily provides annuities, life insurance, and pension buyout services. The company was founded in 1959.
Marriott Vacations Worldwide Corporation is a pure-play public timeshare company. Formerly a division of Marriott International, Marriott Vacations Worldwide was established as a separate, publicly traded entity focusing primarily on vacation ownership in November 2011. Marriott Vacations Worldwide runs more than 120 resorts with over 700,000 Owners and members in a diverse portfolio of brands under The Marriott Vacation Clubs name. Its brands include Marriott Vacation Club, The Marriott Vaca...
FG vs VAC — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.8B | $1.2B |
| Net Profit | $128.0M | $-431.0M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 7.3% | -35.0% |
| Revenue YoY | 13.2% | -0.7% |
| Net Profit YoY | -60.9% | -962.0% |
| EPS (diluted) | $0.97 | $-12.00 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.8B | $1.2B | ||
| Q3 25 | $1.7B | $1.2B | ||
| Q2 25 | $1.4B | $1.2B | ||
| Q1 25 | $908.0M | $1.1B | ||
| Q4 24 | $1.6B | $1.2B | ||
| Q3 24 | $1.4B | $1.2B | ||
| Q2 24 | $1.2B | $1.1B | ||
| Q1 24 | $1.6B | $1.1B |
| Q4 25 | $128.0M | $-431.0M | ||
| Q3 25 | $118.0M | $-2.0M | ||
| Q2 25 | $40.0M | $69.0M | ||
| Q1 25 | $-21.0M | $56.0M | ||
| Q4 24 | $327.0M | $50.0M | ||
| Q3 24 | $-6.0M | $84.0M | ||
| Q2 24 | $203.0M | $37.0M | ||
| Q1 24 | $115.0M | $47.0M |
| Q4 25 | 7.3% | -35.0% | ||
| Q3 25 | 7.0% | -0.2% | ||
| Q2 25 | 2.9% | 6.0% | ||
| Q1 25 | -2.3% | 5.0% | ||
| Q4 24 | 21.0% | 4.0% | ||
| Q3 24 | -0.4% | 6.9% | ||
| Q2 24 | 17.3% | 3.5% | ||
| Q1 24 | 7.3% | 4.2% |
| Q4 25 | $0.97 | $-12.00 | ||
| Q3 25 | $0.85 | $-0.07 | ||
| Q2 25 | $0.26 | $1.77 | ||
| Q1 25 | $-0.20 | $1.46 | ||
| Q4 24 | $2.53 | $1.29 | ||
| Q3 24 | $-0.08 | $2.12 | ||
| Q2 24 | $1.55 | $0.98 | ||
| Q1 24 | $0.88 | $1.22 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $1.5B | $406.0M |
| Total DebtLower is stronger | $2.2B | — |
| Stockholders' EquityBook value | $4.8B | $2.0B |
| Total Assets | $98.4B | $9.8B |
| Debt / EquityLower = less leverage | 0.47× | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.5B | $406.0M | ||
| Q3 25 | $2.2B | $474.0M | ||
| Q2 25 | $1.9B | $205.0M | ||
| Q1 25 | $3.3B | $196.0M | ||
| Q4 24 | $2.3B | $197.0M | ||
| Q3 24 | $3.5B | $197.0M | ||
| Q2 24 | $3.5B | $206.0M | ||
| Q1 24 | $2.4B | $237.0M |
| Q4 25 | $2.2B | — | ||
| Q3 25 | $2.2B | — | ||
| Q2 25 | $2.2B | — | ||
| Q1 25 | $2.2B | — | ||
| Q4 24 | $2.2B | — | ||
| Q3 24 | $2.0B | — | ||
| Q2 24 | $2.0B | — | ||
| Q1 24 | $1.7B | — |
| Q4 25 | $4.8B | $2.0B | ||
| Q3 25 | $4.8B | $2.5B | ||
| Q2 25 | $4.4B | $2.5B | ||
| Q1 25 | $4.4B | $2.4B | ||
| Q4 24 | $4.0B | $2.4B | ||
| Q3 24 | $4.3B | $2.4B | ||
| Q2 24 | $3.7B | $2.4B | ||
| Q1 24 | $3.5B | $2.4B |
| Q4 25 | $98.4B | $9.8B | ||
| Q3 25 | $96.1B | $10.1B | ||
| Q2 25 | $91.8B | $9.9B | ||
| Q1 25 | $88.0B | $9.9B | ||
| Q4 24 | $85.0B | $9.8B | ||
| Q3 24 | $84.1B | $9.7B | ||
| Q2 24 | $78.5B | $9.6B | ||
| Q1 24 | $74.4B | $9.9B |
| Q4 25 | 0.47× | — | ||
| Q3 25 | 0.46× | — | ||
| Q2 25 | 0.50× | — | ||
| Q1 25 | 0.51× | — | ||
| Q4 24 | 0.55× | — | ||
| Q3 24 | 0.47× | — | ||
| Q2 24 | 0.56× | — | ||
| Q1 24 | 0.49× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $1.2B | $6.0M |
| Free Cash FlowOCF − Capex | — | $-6.0M |
| FCF MarginFCF / Revenue | — | -0.5% |
| Capex IntensityCapex / Revenue | — | 1.0% |
| Cash ConversionOCF / Net Profit | 9.13× | — |
| TTM Free Cash FlowTrailing 4 quarters | — | $-29.0M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $1.2B | $6.0M | ||
| Q3 25 | $937.0M | $62.0M | ||
| Q2 25 | $1.6B | $-48.0M | ||
| Q1 25 | $956.0M | $8.0M | ||
| Q4 24 | $1.3B | $100.0M | ||
| Q3 24 | $2.1B | $72.0M | ||
| Q2 24 | $1.1B | $30.0M | ||
| Q1 24 | $1.5B | $3.0M |
| Q4 25 | — | $-6.0M | ||
| Q3 25 | — | $51.0M | ||
| Q2 25 | — | $-68.0M | ||
| Q1 25 | — | $-6.0M | ||
| Q4 24 | — | $86.0M | ||
| Q3 24 | — | $58.0M | ||
| Q2 24 | — | $17.0M | ||
| Q1 24 | — | $-13.0M |
| Q4 25 | — | -0.5% | ||
| Q3 25 | — | 4.3% | ||
| Q2 25 | — | -5.9% | ||
| Q1 25 | — | -0.5% | ||
| Q4 24 | — | 6.9% | ||
| Q3 24 | — | 4.8% | ||
| Q2 24 | — | 1.6% | ||
| Q1 24 | — | -1.2% |
| Q4 25 | — | 1.0% | ||
| Q3 25 | — | 0.9% | ||
| Q2 25 | — | 1.7% | ||
| Q1 25 | — | 1.3% | ||
| Q4 24 | — | 1.1% | ||
| Q3 24 | — | 1.1% | ||
| Q2 24 | — | 1.2% | ||
| Q1 24 | — | 1.4% |
| Q4 25 | 9.13× | — | ||
| Q3 25 | 7.94× | — | ||
| Q2 25 | 40.50× | -0.70× | ||
| Q1 25 | — | 0.14× | ||
| Q4 24 | 4.04× | 2.00× | ||
| Q3 24 | — | 0.86× | ||
| Q2 24 | 5.20× | 0.81× | ||
| Q1 24 | 13.34× | 0.06× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
FG
Segment breakdown not available.
VAC
| Cost Reimbursement | $467.0M | 38% |
| Time Share | $381.0M | 31% |
| Management And Exchange | $212.0M | 17% |
| Ancillary Revenues | $64.0M | 5% |
| Management Service | $55.0M | 4% |
| Service Other | $36.0M | 3% |
