Citizens (CIA) Competitors

Aflac (NYSE:AFL) and Citizens (NYSE:CIA) are both finance companies, but which is the better investment? We will contrast the two businesses based on the strength of their analyst recommendations, earnings, risk, dividends, media sentiment, profitability, institutional ownership, valuation and community ranking.

Do analysts rate AFL or CIA?

Aflac presently has a consensus price target of $102.86, suggesting a potential upside of 0.80%. Given Aflac's higher probable upside, research analysts plainly believe Aflac is more favorable than Citizens.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Aflac	2 Sell rating(s)	10 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.00
Citizens	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	1 Strong Buy rating(s)	4.00

Which has more risk & volatility, AFL or CIA?

Aflac has a beta of 0.99, suggesting that its stock price is 1% less volatile than the S&P 500. Comparatively, Citizens has a beta of 0.13, suggesting that its stock price is 87% less volatile than the S&P 500.

Does the MarketBeat Community favor AFL or CIA?

Aflac received 360 more outperform votes than Citizens when rated by MarketBeat users. However, 59.56% of users gave Citizens an outperform vote while only 56.01% of users gave Aflac an outperform vote.

Company	Underperform	Outperform
Aflac	Outperform Votes 578 56.01%	Underperform Votes 454 43.99%
Citizens	Outperform Votes 218 59.56%	Underperform Votes 148 40.44%

Which has preferable valuation & earnings, AFL or CIA?

Aflac has higher revenue and earnings than Citizens. Aflac is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Aflac	$18.93B	3.00	$5.44B	$9.60	10.63
Citizens	$240.68M	1.08	$24.44M	$0.43	12.12

Is AFL or CIA more profitable?

Aflac has a net margin of 28.76% compared to Citizens' net margin of 8.87%. Aflac's return on equity of 16.20% beat Citizens' return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Aflac	28.76%	16.20%	3.32%
Citizens	8.87%	11.50%	1.31%

Do insiders and institutionals hold more shares of AFL or CIA?

67.4% of Aflac shares are owned by institutional investors. Comparatively, 13.7% of Citizens shares are owned by institutional investors. 0.9% of Aflac shares are owned by company insiders. Comparatively, 1.2% of Citizens shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Does the media refer more to AFL or CIA?

In the previous week, Aflac had 29 more articles in the media than Citizens. MarketBeat recorded 32 mentions for Aflac and 3 mentions for Citizens. Aflac's average media sentiment score of 1.22 beat Citizens' score of 0.22 indicating that Aflac is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Aflac	24 Very Positive mention(s)	2 Positive mention(s)	3 Neutral mention(s)	2 Negative mention(s)	0 Very Negative mention(s)	Positive
Citizens	0 Very Positive mention(s)	1 Positive mention(s)	2 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Neutral

Summary

Aflac beats Citizens on 14 of the 19 factors compared between the two stocks.