Citizens [CIA] vs MetLife [MET] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Citizens, Inc. wins in 11 metrics, MetLife Inc. wins in 8 metrics, with 0 ties. Citizens, Inc. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Citizens, Inc. | MetLife Inc. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 20.11 | 16.15 | MetLife Inc. |
| Price-to-Book Ratio | 1.21 | 1.76 | Citizens, Inc. |
| Debt-to-Equity Ratio | 3.13 | 225.97 | Citizens, Inc. |
| PEG Ratio | 0.20 | -0.48 | Citizens, Inc. |
| EV/EBITDA | 14.78 | 15.07 | Citizens, Inc. |
| Profit Margin (TTM) | 5.71% | 4.38% | Citizens, Inc. |
| Operating Margin (TTM) | 10.91% | 4.67% | Citizens, Inc. |
| EBITDA Margin (TTM) | 10.91% | 4.67% | Citizens, Inc. |
| Return on Equity | 6.55% | 12.02% | MetLife Inc. |
| Return on Assets (TTM) | 0.64% | 0.46% | Citizens, Inc. |
| Free Cash Flow (TTM) | $17.54M | $17.09B | MetLife Inc. |
| Dividend Yield | N/A | 3.03% | N/A |
| 1-Year Return | 57.95% | 14.85% | Citizens, Inc. |
| Price-to-Sales Ratio (TTM) | 1.11 | 0.64 | MetLife Inc. |
| Enterprise Value | $269.12M | $89.84B | MetLife Inc. |
| EV/Revenue Ratio | 1.05 | 1.17 | Citizens, Inc. |
| Revenue per Share (TTM) | $5 | $115 | MetLife Inc. |
| Earnings per Share (Diluted) | $0.28 | $4.71 | MetLife Inc. |
| Beta (Stock Volatility) | 0.48 | 0.73 | Citizens, Inc. |
| Short % of Float | 7.87% | 2.61% | MetLife Inc. |
Citizens, Inc. vs MetLife Inc. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Citizens, Inc. | 0.72% | 5.66% | 7.28% | 15.94% | 4.67% | 12.45% |
| MetLife Inc. | -1.33% | 3.89% | 9.88% | 26.75% | 6.11% | 9.14% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Citizens, Inc. | 57.95% | 141.74% | 8.59% | -31.53% | -13.13% | 9.66% |
| MetLife Inc. | 14.85% | 60.07% | 52.38% | 136.40% | 146.91% | 99.01% |
Performance & Financial Health Analysis: Citizens, Inc. vs MetLife Inc.
| Metric | CIA | MET |
|---|---|---|
| Market Information | ||
| Market Cap | $280.17M | $49.60B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 95,715 | 3,185,584 |
| 90 Day Avg. Volume | 120,742 | 3,535,355 |
| Last Close | $5.60 | $87.66 |
| 52 Week Range | $3.25 - $6.40 | $67.33 - $89.62 |
| % from 52W High | -12.50% | -2.19% |
| All-Time High | $37.82 (Oct 10, 1988) | $89.62 (Jun 15, 2026) |
| % from All-Time High | -85.19% | -2.19% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.14% | 0.28% |
| Quarterly Earnings Growth | 1.03% | -0.36% |
| Financial Health | ||
| Profit Margin (TTM) | 0.06% | 0.04% |
| Operating Margin (TTM) | 0.11% | 0.05% |
| Return on Equity (TTM) | 0.07% | 0.12% |
| Debt to Equity (MRQ) | 3.13 | 225.97 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $4.67 | $43.33 |
| Cash per Share (MRQ) | $0.43 | $39.31 |
| Operating Cash Flow (TTM) | $17.99M | $17.09B |
| Levered Free Cash Flow (TTM) | $10.72M | $-12,738,499,584 |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 3.03% |
| Last 12-Month Dividend | N/A | $2.28 |
Valuation & Enterprise Metrics Analysis: Citizens, Inc. vs MetLife Inc.
| Metric | CIA (Apr 24, 2026) | MET (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 20.11 | 16.15 |
| Forward P/E | 16.09 | 6.95 |
| PEG Ratio | 0.20 | -0.48 |
| Price to Sales (TTM) | 1.11 | 0.64 |
| Price to Book (MRQ) | 1.21 | 1.76 |
| Market Capitalization | ||
| Market Capitalization | $280.17M | $49.60B |
| Enterprise Value | $269.12M | $89.84B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 1.05 | 1.17 |
| Enterprise to EBITDA | 14.78 | 15.07 |
| Risk & Other Metrics | ||
| Beta | 0.48 | 0.73 |
| Book Value per Share (MRQ) | $4.67 | $43.33 |
Financial Statements Comparison: Citizens, Inc. vs MetLife Inc.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | CIA (2025) | MET (2025) |
|---|---|---|
| Revenue/Sales | 255.62M | 75.65B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 17.47M | 4.66B |
| Pre-Tax Income % of Revenue | 6.8% | 6.2% |
| Income Tax | 2.88M | 1.26B |
| Income Tax % of Revenue | 1.1% | 1.7% |
| Net Income (Profit) | 14.59M | 3.40B |
| Profit Margin | 5.7% | 4.5% |
Balance Sheet & Liquidity Metrics
| Metric | CIA (2025) | MET (2025) |
|---|---|---|
| Cash & Equivalents | 21.42M | 22.03B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | N/A | 18.62B |
| Long-Term Debt % of Revenue | 0.0% | 24.6% |
| Total Shareholders Equity | 234.99M | 28.92B |
| Retained Earnings | 71.65M | 44.29B |
| Retained Earnings % of Revenue | 28.0% | 58.5% |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison
| Metric | CIA (2025) | MET (2025) |
|---|---|---|
| Operating Cash Flow | 14.68M | -873.00M |
| Operating Cash Flow % of Revenue | 5.7% | -1.2% |
| Capital Expenditures | -447,000 | N/A |
| Free Cash Flow | 17.54M | 17.09B |
| FCF Margin | 6.9% | 22.6% |
| Debt Repayment | N/A | -2.62B |
| Common Stock Repurchase | -278,000 | -3.88B |
Short Interest & Institutional Ownership Analysis
| Metric | CIA | MET |
|---|---|---|
| Shares Short | 3.90M | 14.12M |
| Short Ratio | 23.21 | 3.48 |
| Short % of Float | 7.87% | 2.61% |
| Shares Outstanding | 50.30M | 655.33M |
| Float Shares | 44.92M | 544.55M |
| % Held by Insiders | 11.28% | 16.44% |
| % Held by Institutions | 28.22% | 76.90% |
| % Held by Public | 60.50% | 6.66% |
Dividend Analysis & Yield Comparison: Citizens, Inc. vs MetLife Inc.
| Metric | CIA | MET |
|---|---|---|
| Last 12-Month Dividend | N/A | $2.28 |
| Last 12-Month Dividend Yield | N/A | 3.03% |
| 3-Year Avg Annual Dividend | N/A | $2.19 |
| 3-Year Avg Dividend Yield | N/A | 0.78% |
| 3-Year Total Dividends | N/A | $6.56 |
| Ex-Dividend Date | N/A | Feb 03, 2026 |