Citizens (CIA) Competitors

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

Do analysts prefer AFL or CIA?

Aflac presently has a consensus price target of $104.00, suggesting a potential downside of 1.43%. Given Aflac's higher probable upside, analysts clearly 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

Does the MarketBeat Community believe in AFL or CIA?

Aflac received 361 more outperform votes than Citizens when rated by MarketBeat users. However, 58.92% of users gave Citizens an outperform vote while only 55.78% of users gave Aflac an outperform vote.

Company	Underperform	Outperform
Aflac	Outperform Votes 579 55.78%	Underperform Votes 459 44.22%
Citizens	Outperform Votes 218 58.92%	Underperform Votes 152 41.08%

Which has more risk and volatility, AFL or CIA?

Aflac has a beta of 0.81, suggesting that its share price is 19% less volatile than the S&P 500. Comparatively, Citizens has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Does the media favor AFL or CIA?

In the previous week, Aflac had 18 more articles in the media than Citizens. MarketBeat recorded 30 mentions for Aflac and 12 mentions for Citizens. Aflac's average media sentiment score of 0.66 beat Citizens' score of -0.64 indicating that Aflac is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Aflac	13 Very Positive mention(s)	1 Positive mention(s)	11 Neutral mention(s)	0 Negative mention(s)	2 Very Negative mention(s)	Positive
Citizens	2 Very Positive mention(s)	1 Positive mention(s)	5 Neutral mention(s)	2 Negative mention(s)	2 Very Negative mention(s)	Negative

Which has stronger 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	$19.13B	3.01	$5.44B	$9.60	10.99
Citizens	$245.00M	0.86	$24.44M	$0.29	14.60

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

67.4% of Aflac shares are held by institutional investors. Comparatively, 13.7% of Citizens shares are held by institutional investors. 0.9% of Aflac shares are held by insiders. Comparatively, 1.2% of Citizens shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

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%

Summary

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