Citizens Inc (CIA)vsUnum Group (UNM)
CIA
Citizens Inc
$4.53
-3.21%
FINANCIAL SERVICES · Cap: $232.89M
UNM
Unum Group
$74.50
+0.89%
FINANCIAL SERVICES · Cap: $12.47B
Smart Verdict
WallStSmart Research — data-driven comparison
Unum Group generates 5015% more annual revenue ($13.08B vs $255.62M). CIA leads profitability with a 5.7% profit margin vs 5.7%. UNM appears more attractively valued with a PEG of 1.03. CIA earns a higher WallStSmart Score of 65/100 (B-).
CIA
Strong Buy65
out of 100
Grade: B-
UNM
Buy56
out of 100
Grade: C
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+54.9%
Fair Value
$13.10
Current Price
$4.53
$8.57 discount
Margin of Safety
-145.9%
Fair Value
$29.04
Current Price
$74.50
$45.46 premium
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
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
ROE of 6.6% — below average capital efficiency
5.7% margin — thin
0.2% revenue growth
ROE of 6.7% — below average capital efficiency
5.7% 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. Revenue growth of 13.5% demonstrates continued momentum. 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, P/E Ratio. 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 Revenue Growth, Return on Equity, Profit Margin.
Key Dynamics to Monitor
CIA carries more volatility with a beta of 0.45 — expect wider price swings.
CIA is growing revenue faster at 13.5% — sustainability is the question.
UNM generates stronger free cash flow (320M), providing more financial flexibility.
Monitor INSURANCE - LIFE industry trends, competitive dynamics, and regulatory changes.
Bottom Line
CIA scores higher overall (65/100 vs 56/100) and 13.5% revenue growth. 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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