Citizens vs F&G Annuities & Life
F&G Annuities & Life is the larger business, with $5.73bn of revenue in fiscal 2025 against $256m for Citizens (22.4 times as much). Citizens grew faster (4.3% against -0.2%). Citizens kept more of each dollar of sales as profit: a net margin of 5.7% against 4.6%. Citizens carries less debt relative to equity (0.0% against 47.3%).
| Latest fiscal year | CitizensCIA, 2025 | F&G Annuities & LifeFG, 2025 |
|---|---|---|
| Revenue | $256m | $5.73bn |
| Revenue growth | 4.3% | -0.2% |
| Net income | $14.6m | $265m |
| Operating margin | — | — |
| Net margin | 5.7% | 4.6% |
| Return on equity | 6.6% | 6.1% |
| Free cash flow | $17.5m | — |
| Cash | $23.0m | $1.49bn |
| Total debt | $0 | $2.27bn |
| Debt to equity | 0.0% | 47.3% |
| Dividend per share | — | $0.91 |
| Dividend yield | — | 5.2% |
| Share buybacks | — | $10.0m |
| Employees | — | 1,173 |
| Market value | $193m | $2.82bn |
| Price vs our value range | — | — |
| Moat score | — | — |
| Insider trades, 12 months | 8 buys, 0 sales | 5 buys, 0 sales |