Brighthouse Financial (BHF) vs Citizens (CIA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Brighthouse Financial (BHF) has outperformed Citizens (CIA) over the past year, gaining 0.7% versus a loss of 35.0%. Over five years, BHF leads with a -0.7% price change compared with -45.1% for CIA. Brighthouse Financial is the larger company by market cap ($2.82 billion vs $178.8 million), about 15.8 times the size.
On valuation, Brighthouse Financial trades at a lower forward P/E (2.4x vs 17.6x for Citizens).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BHF | CIA |
|---|---|---|
| Share price | $48.99 | $3.53 |
| Market cap | $2.82B | $178.77M |
| 1-day change | -1.35% | +1.73% |
| YTD return | -24.39% | -28.16% |
| 1-year return | +0.73% | -35.02% |
| 5-year return | -0.73% | -45.09% |
| P/E ratio (TTM) | 3.87 | 16.05 |
| Forward P/E | 2.43 | 17.65 |
| EPS (TTM) | $12.66 | $0.22 |
| Dividend yield | 0.00% | 0.00% |
| Annual dividend | $0.00 | $0.00 |
| Revenue (latest FY) | $6.77B | — |
| Revenue growth (YoY) | +43.23% | — |
| Net income (latest FY) | $433.00M | — |
| Net margin | 6.40% | — |
| 52-week high | $66.80 | $6.54 |
| 52-week low | $44.51 | $3.38 |
| Distance from 52-week high | -26.66% | -46.02% |
| Analyst consensus | hold | none |
| Avg. price target upside | +32.68% | +48.73% |
| Average volume | 918.82K | 127.68K |
| Shares outstanding | 57.51M | 50.64M |
| Employees | 1,400 | 243 |
| Sector | Finance | Finance |
| Industry | Life Insurance | Life Insurance |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Brighthouse Financial is about 15.8 times larger than Citizens by market value ($2.82B vs $178.77M).
- BHF has outperformed CIA by 35.7 percentage points over the past year.
- Citizens trades at a higher earnings multiple (16.0x vs 3.9x trailing P/E).
About Brighthouse Financial
BHF stock →Brighthouse Financial, Inc. provides annuity and life insurance products in the United States.
Finance · Life Insurance · 1,400 employees
About Citizens
CIA stock →Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance.
Finance · Life Insurance · 243 employees
BHF vs CIA FAQ
Which is bigger, Brighthouse Financial or Citizens?
Brighthouse Financial (BHF) is larger, with a market capitalization of $2.82B compared with $178.77M for Citizens (CIA).
Which stock has performed better over the past year, BHF or CIA?
BHF returned +0.73% over the past 12 months, compared with -35.02% for CIA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BHF or CIA?
BHF has the lower trailing P/E at 3.9, versus 16.0 for CIA. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Are Brighthouse Financial and Citizens in the same industry?
Yes. Both are classified in the Life Insurance industry within the Finance sector.