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

Citizens, Inc.

NYSE
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Abacus Life Inc.

NASDAQ
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TLDR: Quick Comparison Summary

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

View Metrics Details

Vital Metrics Comparison

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

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

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CIA
ABL

Performance Comparison

Short-term Returns

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

Long-term Returns

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

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

MetricCIAABL
Market Information
Market Cap i$280.17M$971.66M
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i95,715495,849
90 Day Avg. Volume i120,742483,822
Last Close$5.60$8.98
52 Week Range$3.25 - $6.40$4.60 - $10.53
% from 52W High-12.50%-14.76%
All-Time High$37.82 (Oct 10, 1988)$13.25 (Feb 05, 2024)
% from All-Time High-85.19%-32.23%
Growth Metrics
Quarterly Revenue Growth0.14%1.24%
Quarterly Earnings Growth1.03%1.24%
Financial Health
Profit Margin (TTM) i0.06%0.06%
Operating Margin (TTM) i0.11%0.36%
Return on Equity (TTM) i0.07%0.03%
Debt to Equity (MRQ) i3.1394.29
Cash & Liquidity
Book Value per Share (MRQ)$4.67$4.45
Cash per Share (MRQ)$0.43$0.88
Operating Cash Flow (TTM) i$17.99M$-110,223,816
Levered Free Cash Flow (TTM) i$10.72M$41.56M
Dividends
Last 12-Month Dividend Yield iN/A3.02%
Last 12-Month Dividend iN/A$0.20

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

MetricCIA (Apr 24, 2026)ABL (Mar 05, 2026)
Price Ratios
P/E Ratio (TTM) i20.11169.40
Forward P/E i16.098.56
PEG Ratio i0.20-0.85
Price to Sales (TTM) i1.114.21
Price to Book (MRQ) i1.211.90
Market Capitalization
Market Capitalization i$280.17M$971.66M
Enterprise Value i$269.12M$1.14B
Enterprise Value Metrics
Enterprise to Revenue i1.055.82
Enterprise to EBITDA i14.7815.86
Risk & Other Metrics
Beta i0.48-0.07
Book Value per Share (MRQ) i$4.67$4.45

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

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCIA (2025)ABL (2024)
Revenue/Sales i255.62M111.92M
Cost of Goods Sold iN/A11.37M
COGS % of Revenue i0.0%10.2%
Gross Profit iN/A100.55M
Gross Margin i0.0%89.8%
Research & Development iN/AN/A
Operating Income (EBIT) iN/A1.84M
Operating Margin i0.0%1.6%
EBITDA iN/A12.19M
EBITDA Margin i0.0%10.9%
Pre-Tax Income i17.47M-19.43M
Pre-Tax Income % of Revenue i6.8%-17.4%
Income Tax i2.88M5.48M
Income Tax % of Revenue i1.1%4.9%
Net Income (Profit) i14.59M-24.92M
Profit Margin i5.7%-22.3%

Balance Sheet & Liquidity Metrics

MetricCIA (2025)ABL (2024)
Cash & Equivalents i21.42M131.94M
Total Current Assets iN/A159.56M
Total Current Assets % of Revenue i0.0%142.6%
Total Current Liabilities iN/A62.47M
Total Current Liabilities % of Revenue i0.0%55.8%
Long-Term Debt iN/A346.97M
Long-Term Debt % of Revenue i0.0%310.0%
Total Shareholders Equity i234.99M423.29M
Retained Earnings i71.65M-57.90M
Retained Earnings % of Revenue i28.0%-51.7%
Property, Plant & Equipment iN/A4.72M

Cash Flow Statement Comparison

MetricCIA (2025)ABL (2024)
Operating Cash Flow i14.68M-213.60M
Operating Cash Flow % of Revenue i5.7%-190.8%
Capital Expenditures i-447,000-786,236
Free Cash Flow i17.54M-209.62M
FCF Margin i6.9%-187.3%
Debt Repayment iN/A-32.23M
Common Stock Repurchase i-278,000-10.74M

Short Interest & Institutional Ownership Analysis

MetricCIAABL
Shares Short i3.90M6.48M
Short Ratio i23.218.95
Short % of Float i7.87%49.18%
Shares Outstanding i50.30M97.70M
Float Shares i44.92M32.63M
% Held by Insiders i11.28%61.69%
% Held by Institutions i28.22%30.86%
% Held by Public i60.50%7.45%

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

MetricCIAABL
Last 12-Month Dividend iN/A$0.20
Last 12-Month Dividend Yield iN/A3.02%
3-Year Avg Annual Dividend iN/A$0.07
3-Year Avg Dividend Yield iN/A3.02%
3-Year Total Dividends iN/A$0.20
Ex-Dividend DateN/ADec 02, 2025