| Company Name: | FBL Financial Group, Inc. | | Ticker Symbol: | FFG | | | WWW Address: | www.fblfinancial.com | | CEO: | James E. Hohmann | | No. of Employees: | 1,866 | | Common Issue Type: | CS | | Business Description: | The Company operates predominantly in the life insurance industry through its principal subsidiaries, Farm Bureau Life Insurance Company and EquiTrust Life Insurance Company.
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| | | Industry Information: | INSURANCE - Life Insurance [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 18.836 |  -0.334 | 18.78 | 18.85 | 19.21 | 19.43 | 18.91 | 9771 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 574.5 | 30.5 | 2.82 | -0.61 | 0.50 | 29.5 | 1.3 | 22.99 - 1.81 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 19.17 | $ | | PE Ratio - LTM | 29.5 | |
| Market Capitalisation | 560.9 | mil |
| Latest Shares Outstanding | 30.5 | mil |
| Earnings pS (EPS) | -0.61 | $ |
| Dividend pS (DPS) | 0.50 | ¢ |
| Dividend Yield | 1.3 | % |
| Dividend Payout Ratio | 0 | % |
| Revenue per Employee | 345,372 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 30.2 | mil |
| Float as % of Shares Outstanding | 99.3 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 5.0 | % |
| Pre-Tax Profit Margin | 2.6 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.1 | % |
| Return on Equity (ROE) | 2.3 | % |
| Return on Capital Invested (ROCI) | 1.6 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 17.3 | |
| Interest Cover | 2.1 | |
| Total Debt/Equity (Gearing Ratio) | 0.44 | |
| LT Debt/Total Capital | 31.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 27.56 | $ |
| Tangible Book-Value pS | 27.19 | $ |
| Cash Flow pS | 0.65 | $ |
| Free Cash Flow pS | 15.90 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.70 | |
| Price/Tangible Book Ratio | 0.71 | |
| Price/Cash Flow | 29.7 | |
| Price/Free Cash Flow | 1.2 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 11/18/2009 |
| Dividend Ex-Date | 12/10/2009 |
| Dividend Record Date | 12/14/2009 |
| Dividend Pay Date | 12/30/2009 |
| Dividend Amount | 62 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.25 |
| Current Dividend Yield | 1.3 |
| 5-Y Average Dividend Yield | 1.7 |
| Payout Ratio | 0.0 |
| 5-Y Average Payout Ratio | 13.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 2.6 | 101 | 666 | 700 |
| 4 Weeks | 21.27 | 18.18 | 20.15 | -4.9 | 89 | 916 | 14,650 |
| 13 Weeks | 22.99 | 15.50 | 17.34 | 10.6 | 103 | 1,052 | 63,114 |
| 26 Weeks | 22.99 | 7.29 | 7.25 | 164.4 | 220 | 1,203 | 149,190 |
| 52 Weeks | 22.99 | 1.81 | 11.37 | 68.6 | 137 | 1,423 | 352,783 |
| YTD | 22.99 | 1.81 | - | 24.1 | 101 | 1,477 | 333,909 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 19.00 | 19.10 | 20.03 | 13.81 | 11.23 | 2.82 | 3.09 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 4.76 | 23.7 | 0.00 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 1.61 | 8.2 | -3.48 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 87.8 | 62.2 | -30.0 |
| Earnings % | 3499.9 | 41.9 | -100.0 |
| EPS % | 4200.0 | 43.2 | -100.0 |
| EPS $ | 1.26 | 0.16 | -3.45 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 63.70 |
| Free Cash Flow Margin 5YEAR AVG | 31.54 |
| Cash-Flow pS | 13.52 |
| Free Cash-Flow pS | 13.20 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 54.42 |
| Debt Ratio | 98.16 |
| Total Debt/Equity (Gearing Ratio) | 1.67 |
| LT Debt/Equity | 1.44 |
| LT Debt/Capital Invested | 58.95 |
| LT Debt/Total Liabilities | 2.69 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 0.90 |
| Tobin's Q Ratio | 0.04 |
| Current P/E Ratio - LTM | 29.50 |
| Enterprise Value (EV)/EBITDA | 0.18 |
| Enterprise Value (EV)/Free Cash Flow | 1.67 |
| Dividend Yield | 1.3 |
| Price/Tangible Book Ratio - LTM | 0.71 |
| Price/Book Ratio - LTM | 0.70 |
| Price/Cash Flow Ratio | 29.7 |
| Price/Free Cash Flow Ratio - LTM | 1.2 |
| P/E Ratio (1 month ago) - LTM | 34.3 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 28.4 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 29.9 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 27.19 |
| Book Value pS - LTM | 27.56 |
| Capital Invested pS | 20.67 |
| Cash Flow pS - LTM | 0.65 |
| Free Cash Flow pS - LTM | 15.90 |
| Earnings pS (EPS) | -0.61 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | -7.11 |
| Return on Equity (ROE) - 5YEAR AVRG. | 8.0 |
| Return on Capital Invested (ROCI) | -2.88 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 5.9 |
| Return on Assets (ROA) | -0.13 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.5 |
| EBIT Margin - LTM | 5.1 |
| EBITDA Margin - LTM | 5.0 |
| Pre-Tax Profit Margin | -5.10 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 10.73 |
| Net Profit Margin | -2.90 |
| Net Profit Margin - 5YEAR AVRG. | 7.38 |
| Effective Tax Rate | 42.86 |
| Effective Tax Rate - 5YEAR AVRG. | 34.21 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 554,692 |
| Net Income per Employee - LTM | 10,491 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 1,591.26 |
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