Citizens Inc (CIA)vsUnum Group (UNM)
CIA
Citizens Inc
$5.18
+1.17%
FINANCIAL SERVICES · Cap: $261.87M
UNM
Unum Group
$86.84
+2.27%
FINANCIAL SERVICES · Cap: $14.82B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 5037% more annual revenue ($13.34B vs $259.68M). CIA leads profitability with a 7.1% profit margin vs 5.9%. UNM appears more attractively valued with a PEG of 1.03. UNM earns a higher WallStSmart Score of 67/100 (B-).
CIA
Buy55
out of 100
Grade: C
UNM
Strong Buy67
out of 100
Grade: B-
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
Earnings expanding 33.0% YoY
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
7.1% margin — thin
Operating margin of 4.0%
ROE of 7.2% — below average capital efficiency
5.9% 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, EPS Growth. 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.
Bear Case : UNM
The primary concerns for UNM are Return on Equity, Profit Margin, Piotroski F-Score.
Key Dynamics to Monitor
CIA carries more volatility with a beta of 0.47 — expect wider price swings.
UNM is growing revenue faster at 8.5% — sustainability is the question.
UNM generates stronger free cash flow (301M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
UNM scores higher overall (67/100 vs 55/100). Both earn "Strong 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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