Citizens Inc (CIA)vsUnum Group (UNM)
CIA
Citizens Inc
$3.58
+2.29%
FINANCIAL SERVICES · Cap: $181.30M
UNM
Unum Group
$94.42
+0.12%
FINANCIAL SERVICES · Cap: $14.73B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 5134% more annual revenue ($13.35B vs $255.01M). UNM leads profitability with a 5.3% profit margin vs 4.5%. UNM appears more attractively valued with a PEG of 1.03. UNM earns a higher WallStSmart Score of 55/100 (C).
CIA
Buy55
out of 100
Grade: C-
UNM
Buy55
out of 100
Grade: C
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Earnings expanding 99.5% YoY
Attractively priced relative to earnings
Reasonable price relative to book value
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
4.5% margin — thin
Weak financial health signals
0.3% revenue growth
ROE of 6.5% — below average capital efficiency
5.3% margin — thin
Weak financial health signals
Comparative Analysis Report
WallStSmart ResearchBull Case : CIA
The strongest argument for CIA centers on Price/Book, EPS Growth, P/E Ratio. PEG of 1.21 suggests the stock is reasonably priced for its growth.
Bull Case : UNM
The strongest argument for UNM centers on Price/Book. PEG of 1.03 suggests the stock is reasonably priced for its growth.
Bear Case : CIA
The primary concerns for CIA are Market Cap, Return on Equity, Profit Margin. Thin 4.5% margins leave little buffer for downturns.
Bear Case : UNM
The primary concerns for UNM are Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
CIA carries more volatility with a beta of 0.43 — expect wider price swings.
UNM is growing revenue faster at 0.3% — sustainability is the question.
UNM generates stronger free cash flow (474M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CIA scores higher overall (55/100 vs 55/100). Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Citizens Inc
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Citizens, Inc., offers life insurance products in the United States and internationally. The company is headquartered in Austin, Texas.
Unum Group
FINANCIAL SERVICES · INSURANCE - LIFE · USA
Unum Group is a Chattanooga, Tennessee-based Fortune 500 insurance company formerly known as UnumProvident.
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