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Citizens, Inc. (CIA) vs F&G Annuities & Life, Inc. (FG)

Citizens, Inc. and F&G Annuities & Life, Inc. are both Insurance Life companies. F&G Annuities & Life, Inc. is the larger, with a market value of $2.6B against $178.8M — 14.3× the size. F&G Annuities & Life, Inc. trades at the lower P/E: 6.4× against 15.8×. F&G Annuities & Life, Inc. grew revenue faster over the last twelve months: 15.0% against 3.69%. F&G Annuities & Life, Inc. has the higher net margin (6.61% vs 4.55%) and the higher return on invested capital (8.88% vs 4.06%). Across the 19 metrics below, F&G Annuities & Life, Inc. leads on 15 and Citizens, Inc. on 4.

Valuation

Metric CIA FG Insurance Life median
P/E 15.77 6.42 12.22
P/S 0.69 0.41 0.75
P/B 0.75 0.53 1.07
Price to free cash flow 11.71 0.58 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.34% 15.58% 8.18%
Free cash flow yield 8.54% 172.74% 11.33%

Profitability

Metric CIA FG Insurance Life median
Gross margin 19.17% 30.01% 32.44%
Operating margin 5.56% 11.31% 11.31%
Net margin 4.55% 6.61% 6.61%
Free cash flow margin 5.87% 71.29% 15.04%
Return on equity 5.00% 8.67% 8.67%
Return on assets 0.67% 0.41% 0.67%
Return on invested capital 4.06% 8.88% 8.20%

Growth

Metric CIA FG Insurance Life median
Revenue growth (TTM) 3.69% 15.01% 7.91%
EPS growth (last fiscal year) (3.45%) (61.48%) (20.59%)
Revenue growth, 5-year CAGR 1.37% 32.79% 1.08%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric CIA FG Insurance Life median
Debt to equity 0.00 0.48 0.48
Current ratio 0.03 0.30 0.21
Net debt to EBITDA (0.99) 0.65 0.12

Dividend

Metric CIA FG Insurance Life median
Dividend yield — 5.19% 2.21%
Payout ratio — 0.34 0.26

Size

Metric CIA FG Insurance Life median
Market cap 178.77m 2.56b 7.85b

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