Citizens (CIA) Competitors

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

Do institutionals & insiders have more ownership in CIA or AFL?

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

Which has higher earnings and valuation, CIA or AFL?

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
Citizens	$245.00M	0.75	$24.44M	$0.29	12.69
Aflac	$19.13B	2.91	$5.44B	$9.60	10.62

Does the media prefer CIA or AFL?

In the previous week, Aflac had 40 more articles in the media than Citizens. MarketBeat recorded 45 mentions for Aflac and 5 mentions for Citizens. Aflac's average media sentiment score of 1.22 beat Citizens' score of 0.93 indicating that Aflac is being referred to more favorably in the news media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Citizens	2 Very Positive mention(s)	1 Positive mention(s)	1 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive
Aflac	30 Very Positive mention(s)	2 Positive mention(s)	10 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Does the MarketBeat Community favor CIA or AFL?

Aflac received 361 more outperform votes than Citizens when rated by MarketBeat users. However, 59.08% of users gave Citizens an outperform vote while only 55.89% of users gave Aflac an outperform vote.

Company	Underperform	Outperform
Citizens	Outperform Votes 218 59.08%	Underperform Votes 151 40.92%
Aflac	Outperform Votes 579 55.89%	Underperform Votes 457 44.11%

Is CIA or AFL 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
Citizens	8.87%	11.50%	1.31%
Aflac	28.76%	16.20%	3.32%

Do analysts recommend CIA or AFL?

Aflac has a consensus price target of $104.29, indicating a potential upside of 2.30%. Given Aflac's higher possible upside, analysts clearly believe Aflac is more favorable than Citizens.

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

Which has more volatility & risk, CIA or AFL?

Citizens has a beta of 0.11, meaning that its stock price is 89% less volatile than the S&P 500. Comparatively, Aflac has a beta of 0.81, meaning that its stock price is 19% less volatile than the S&P 500.

Summary

Aflac beats Citizens on 15 of the 19 factors compared between the two stocks.