Citizens vs Globe Life
CIA and GL side by side, both in life insurance. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How CIA and GL compare
Globe Life is the larger company, worth 75 times as much as Citizens ($12.4B against $165M).
Globe Life grew revenue faster over the last twelve months (5.6% versus 4.1% for Citizens).
Globe Life keeps more of each dollar of sales as profit, with a net margin of 18.9% compared with 3.4% at Citizens.
Globe Life pays a dividend yielding 0.78%; Citizens does not pay one.
Globe Life scores higher on the StockData Score (13 against 2 for Citizens), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | CIA | GL |
|---|---|---|
| Size and price | ||
| Market cap | $165M | $12.4B |
| Share price | $3.26 | $160.74 |
| Change, 1 year | −42.7% | 20.0% |
| Change, 5 years | −48.0% | 73.9% |
| Beta (5Y) | 0.81 | 0.55 |
| Employees | 246 | 3,695 |
| StockData Score | ||
| Total score | 2 | 13 (better) |
| Valuation score | 2 (better) | 0 |
| Growth score | 0 | 2 (better) |
| Performance score | 0 | 6 (better) |
| Health score | 0 | 1 (better) |
| Dividend score | 0 | 4 (better) |
| Valuation | ||
| P/E | – | 10.8× |
| P/S | 0.6× (better) | 2.0× |
| P/B | 0.7× (better) | 1.9× |
| P/FCF | 7.8× (better) | 9.3× |
| PEG | – | 0.68 |
| FCF yield | 12.8% (better) | 10.8% |
| Fair value | – | $158.69 |
| Margin of safety | – | −1.3% |
| Growth | ||
| Revenue growth (TTM) | 4.1% | 5.6% (better) |
| Revenue growth, 5Y average | 1.4% | 4.8% (better) |
| Net income growth (TTM) | −19.5% | 3.1% (better) |
| EPS growth (TTM) | – | 8.3% |
| EPS growth, 5Y average | – | 15.6% |
| Profitability | ||
| Net margin | 3.4% | 18.9% (better) |
| FCF margin | 8.2% | 21.3% (better) |
| Return on equity | 3.9% | 19.3% (better) |
| Financial health | ||
| Debt / equity | – | 0.45 |
| Altman Z-score | 0.28 | 0.94 (better) |
| Piotroski F-score | – | 7 |
| Dividends and buybacks | ||
| Dividend yield | – | 0.78% |
| Payout ratio | – | 7.9% |
| Years of dividend growth | – | 16 |
| Dividend growth, 5Y average | – | 7.6% |
| Buyback yield | – | 6.3% |
| Shareholder yield | 0.00% | 7.0% (better) |
| Ownership | ||
| Held by institutions | 31.5% | 84.7% |
| Held by insiders | 3.3% | 0.85% |
| Insider net buying, 12 months | $634K (better) | −$82.9M |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 9.4% | 2.9% |
Go deeper
- CIA stock overview
- CIA income statement
- CIA valuation and score
- GL stock overview
- GL income statement
- GL valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.