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Citizens, Inc. (CIA) vs Genworth Financial, Inc. (GNW)

Citizens, Inc. and Genworth Financial, Inc. are both Insurance Life companies. Genworth Financial, Inc. is the larger, with a market value of $3.7B against $178.8M — 20.6× the size. Citizens, Inc. trades at the lower P/E: 15.8× against 17.7×. Citizens, Inc. grew revenue faster over the last twelve months: 3.69% against 2.11%. Citizens, Inc. has the higher net margin (4.55% vs 2.87%) and the higher return on invested capital (4.06% vs 3.41%). Across the 20 metrics below, Citizens, Inc. leads on 12 and Genworth Financial, Inc. on 8.

Valuation

Metric CIA GNW Insurance Life median
P/E 15.77 17.74 12.22
P/S 0.69 0.48 0.75
P/B 0.75 0.37 1.07
Price to free cash flow 11.71 8.34 7.70
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.34% 5.64% 8.18%
Free cash flow yield 8.54% 12.00% 11.33%

Profitability

Metric CIA GNW Insurance Life median
Gross margin 19.17% 29.03% 32.44%
Operating margin 5.56% 6.84% 11.31%
Net margin 4.55% 2.87% 6.61%
Free cash flow margin 5.87% 5.81% 15.04%
Return on equity 5.00% 2.17% 8.67%
Return on assets 0.67% 0.24% 0.67%
Return on invested capital 4.06% 3.41% 8.20%

Growth

Metric CIA GNW Insurance Life median
Revenue growth (TTM) 3.69% 2.11% 7.91%
EPS growth (last fiscal year) (3.45%) (20.59%) (20.59%)
Revenue growth, 5-year CAGR 1.37% (2.49%) 1.08%
Net income growth, 5-year CAGR 0.00% 4.61% 0.00%

Health

Metric CIA GNW Insurance Life median
Debt to equity 0.00 0.15 0.48
Current ratio 0.03 0.28 0.21
Net debt to EBITDA (0.99) (0.83) 0.12

Dividend

Metric CIA GNW Insurance Life median
Dividend yield — — 2.21%
Payout ratio — — 0.26

Size

Metric CIA GNW Insurance Life median
Market cap 178.77m 3.68b 7.85b

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