Abacus Life [ABL] vs Citizens [CIA] Detailed Stock Comparison

Abacus Life Inc.

NASDAQ
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Citizens, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 21 vital metrics comparison: Abacus Life Inc. wins in 5 metrics, Citizens, Inc. wins in 14 metrics, with 0 ties. Citizens, Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Abacus Life Inc. Citizens, Inc. Better
P/E Ratio (TTM) 169.40 20.11 Citizens, Inc.
Price-to-Book Ratio 1.90 1.21 Citizens, Inc.
Debt-to-Equity Ratio 94.29 3.13 Citizens, Inc.
PEG Ratio -0.85 0.20 Citizens, Inc.
EV/EBITDA 15.86 14.78 Citizens, Inc.
Profit Margin (TTM) 5.62% 5.71% Citizens, Inc.
Operating Margin (TTM) 35.59% 10.91% Abacus Life Inc.
EBITDA Margin (TTM) 35.59% 10.91% Abacus Life Inc.
Return on Equity 3.18% 6.55% Citizens, Inc.
Return on Assets (TTM) 4.93% 0.64% Abacus Life Inc.
Free Cash Flow (TTM) $-209.62M $17.54M Citizens, Inc.
Dividend Yield 3.02% N/A N/A
1-Year Return 16.17% 57.95% Citizens, Inc.
Price-to-Sales Ratio (TTM) 4.21 1.11 Citizens, Inc.
Enterprise Value $1.14B $269.12M Abacus Life Inc.
EV/Revenue Ratio 5.82 1.05 Citizens, Inc.
Gross Profit Margin (TTM) 87.84% N/A N/A
Revenue per Share (TTM) $2 $5 Citizens, Inc.
Earnings per Share (Diluted) $0.05 $0.28 Citizens, Inc.
Beta (Stock Volatility) -0.07 0.48 Abacus Life Inc.
Short % of Float 49.18% 7.87% Citizens, Inc.

Abacus Life Inc. vs Citizens, Inc. Stock Performance Analysis

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ABL
CIA

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Abacus Life Inc.-2.71%-10.94%-9.68%-13.90%20.99%4.80%
Citizens, Inc.0.72%5.66%7.28%15.94%4.67%12.45%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Abacus Life Inc.16.17%-12.73%-8.37%-7.99%-7.99%-7.99%
Citizens, Inc.57.95%141.74%8.59%-31.53%-13.13%9.66%

Performance & Financial Health Analysis: Abacus Life Inc. vs Citizens, Inc.

MetricABLCIA
Market Information
Market Cap i$971.66M$280.17M
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i495,84995,715
90 Day Avg. Volume i483,822120,742
Last Close$8.98$5.60
52 Week Range$4.60 - $10.53$3.25 - $6.40
% from 52W High-14.76%-12.50%
All-Time High$13.25 (Feb 05, 2024)$37.82 (Oct 10, 1988)
% from All-Time High-32.23%-85.19%
Growth Metrics
Quarterly Revenue Growth1.24%0.14%
Quarterly Earnings Growth1.24%1.03%
Financial Health
Profit Margin (TTM) i0.06%0.06%
Operating Margin (TTM) i0.36%0.11%
Return on Equity (TTM) i0.03%0.07%
Debt to Equity (MRQ) i94.293.13
Cash & Liquidity
Book Value per Share (MRQ)$4.45$4.67
Cash per Share (MRQ)$0.88$0.43
Operating Cash Flow (TTM) i$-110,223,816$17.99M
Levered Free Cash Flow (TTM) i$41.56M$10.72M
Dividends
Last 12-Month Dividend Yield i3.02%N/A
Last 12-Month Dividend i$0.20N/A

Valuation & Enterprise Metrics Analysis: Abacus Life Inc. vs Citizens, Inc.

MetricABL (Mar 05, 2026)CIA (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i169.4020.11
Forward P/E i8.5616.09
PEG Ratio i-0.850.20
Price to Sales (TTM) i4.211.11
Price to Book (MRQ) i1.901.21
Market Capitalization
Market Capitalization i$971.66M$280.17M
Enterprise Value i$1.14B$269.12M
Enterprise Value Metrics
Enterprise to Revenue i5.821.05
Enterprise to EBITDA i15.8614.78
Risk & Other Metrics
Beta i-0.070.48
Book Value per Share (MRQ) i$4.45$4.67

Financial Statements Comparison: Abacus Life Inc. vs Citizens, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricABL (2024)CIA (2025)
Revenue/Sales i111.92M255.62M
Cost of Goods Sold i11.37MN/A
COGS % of Revenue i10.2%0.0%
Gross Profit i100.55MN/A
Gross Margin i89.8%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i1.84MN/A
Operating Margin i1.6%0.0%
EBITDA i12.19MN/A
EBITDA Margin i10.9%0.0%
Pre-Tax Income i-19.43M17.47M
Pre-Tax Income % of Revenue i-17.4%6.8%
Income Tax i5.48M2.88M
Income Tax % of Revenue i4.9%1.1%
Net Income (Profit) i-24.92M14.59M
Profit Margin i-22.3%5.7%

Balance Sheet & Liquidity Metrics

MetricABL (2024)CIA (2025)
Cash & Equivalents i131.94M21.42M
Total Current Assets i159.56MN/A
Total Current Assets % of Revenue i142.6%0.0%
Total Current Liabilities i62.47MN/A
Total Current Liabilities % of Revenue i55.8%0.0%
Long-Term Debt i346.97MN/A
Long-Term Debt % of Revenue i310.0%0.0%
Total Shareholders Equity i423.29M234.99M
Retained Earnings i-57.90M71.65M
Retained Earnings % of Revenue i-51.7%28.0%
Property, Plant & Equipment i4.72MN/A

Cash Flow Statement Comparison

MetricABL (2024)CIA (2025)
Operating Cash Flow i-213.60M14.68M
Operating Cash Flow % of Revenue i-190.8%5.7%
Capital Expenditures i-786,236-447,000
Free Cash Flow i-209.62M17.54M
FCF Margin i-187.3%6.9%
Debt Repayment i-32.23MN/A
Common Stock Repurchase i-10.74M-278,000

Short Interest & Institutional Ownership Analysis

MetricABLCIA
Shares Short i6.48M3.90M
Short Ratio i8.9523.21
Short % of Float i49.18%7.87%
Shares Outstanding i97.70M50.30M
Float Shares i32.63M44.92M
% Held by Insiders i61.69%11.28%
% Held by Institutions i30.86%28.22%
% Held by Public i7.45%60.50%

Dividend Analysis & Yield Comparison: Abacus Life Inc. vs Citizens, Inc.

MetricABLCIA
Last 12-Month Dividend i$0.20N/A
Last 12-Month Dividend Yield i3.02%N/A
3-Year Avg Annual Dividend i$0.07N/A
3-Year Avg Dividend Yield i3.02%N/A
3-Year Total Dividends i$0.20N/A
Ex-Dividend DateDec 02, 2025N/A