Citizens (CIA) vs F&G Annuities & Life (FG)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
F&G Annuities & Life (FG) has outperformed Citizens (CIA) over the past year, losing 34.6% versus a loss of 35.0%. F&G Annuities & Life is the larger company by market cap ($2.55 billion vs $178.5 million), about 14.3 times the size. On valuation, F&G Annuities & Life trades at a lower forward P/E (4.2x vs 17.6x for Citizens).
F&G Annuities & Life pays a dividend yielding 5.14%, while Citizens does not currently pay one.
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 | CIA | FG |
|---|---|---|
| Share price | $3.53 | $19.47 |
| Market cap | $178.52M | $2.55B |
| 1-day change | +1.59% | -2.11% |
| YTD return | -28.16% | -35.53% |
| 1-year return | -35.02% | -34.59% |
| 5-year return | -45.09% | — |
| P/E ratio (TTM) | 16.02 | 6.43 |
| Forward P/E | 17.63 | 4.20 |
| EPS (TTM) | $0.22 | $3.03 |
| Dividend yield | 0.00% | 5.14% |
| Annual dividend | $0.00 | $1.00 |
| Revenue (latest FY) | — | $5.73B |
| Revenue growth (YoY) | — | -0.23% |
| Net income (latest FY) | — | $265.00M |
| Net margin | — | 4.62% |
| 52-week high | $6.54 | $35.33 |
| 52-week low | $3.38 | $19.26 |
| Distance from 52-week high | -46.10% | -44.89% |
| Analyst consensus | none | hold |
| Avg. price target upside | +48.94% | +23.27% |
| Average volume | 126.28K | 668.83K |
| Shares outstanding | 50.64M | 130.94M |
| Employees | 243 | 1,173 |
| 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
- F&G Annuities & Life is about 14.3 times larger than Citizens by market value ($2.55B vs $178.52M).
- Citizens trades at a higher earnings multiple (16.0x vs 6.4x trailing P/E).
- F&G Annuities & Life offers a meaningfully higher dividend yield (5.14% vs 0.00%).
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
About F&G Annuities & Life
FG stock →F&G Annuities & Life, Inc., together with its subsidiaries, provides annuity and life insurance products in the United States. It offers fixed indexed annuities registered index-linked annuities, pension risk transfer and indexed universal life, and multi-year guarantee annuities; immediate annuities; indexed universal life insurance; pension risk transfer solutions; and institutional funding agreements.
Finance · Life Insurance · 1,173 employees
CIA vs FG FAQ
Which is bigger, Citizens or F&G Annuities & Life?
F&G Annuities & Life (FG) is larger, with a market capitalization of $2.55B compared with $178.52M for Citizens (CIA).
Which stock has performed better over the past year, CIA or FG?
FG returned -34.59% 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, CIA or FG?
FG has the lower trailing P/E at 6.4, 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.
Which pays a higher dividend, Citizens or F&G Annuities & Life?
F&G Annuities & Life pays a dividend yielding 5.14%, while Citizens does not currently pay a regular dividend.
Are Citizens and F&G Annuities & Life in the same industry?
Yes. Both are classified in the Life Insurance industry within the Finance sector.