Citizens (CIA) vs CNO Financial Group (CNO)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
CNO Financial Group (CNO) has outperformed Citizens (CIA) over the past year, gaining 33.1% versus a loss of 35.0%. Over five years, CNO leads with a +105.9% price change compared with -45.1% for CIA. CNO Financial Group is the larger company by market cap ($4.96 billion vs $177.8 million), about 27.9 times the size.
On valuation, CNO Financial Group trades at a lower forward P/E (10.7x vs 17.6x for Citizens). CNO Financial Group pays a dividend yielding 1.29%, while Citizens does not currently pay one.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | CIA | CNO |
|---|---|---|
| Share price | $3.51 | $53.66 |
| Market cap | $177.76M | $4.96B |
| 1-day change | +1.15% | +1.25% |
| YTD return | -28.16% | +24.77% |
| 1-year return | -35.02% | +33.07% |
| 5-year return | -45.09% | +105.95% |
| P/E ratio (TTM) | 15.95 | 18.57 |
| Forward P/E | 17.55 | 10.67 |
| EPS (TTM) | $0.22 | $2.89 |
| Dividend yield | 0.00% | 1.29% |
| Annual dividend | $0.00 | $0.69 |
| Revenue (latest FY) | — | $4.49B |
| Revenue growth (YoY) | — | +0.85% |
| Net income (latest FY) | — | $229.30M |
| Operating margin | — | 12.33% |
| Net margin | — | 5.11% |
| 52-week high | $6.54 | $57.59 |
| 52-week low | $3.38 | $38.22 |
| Distance from 52-week high | -46.33% | -6.83% |
| Analyst consensus | none | none |
| Avg. price target upside | +49.57% | +0.18% |
| Average volume | 126.28K | 880.93K |
| Shares outstanding | 50.64M | 92.52M |
| Employees | 243 | 3,200 |
| Sector | Finance | Finance |
| Industry | Life Insurance | Accident &Health Insurance |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CNO Financial Group is about 27.9 times larger than Citizens by market value ($4.96B vs $177.76M).
- CNO has outperformed CIA by 68.1 percentage points over the past year.
- CNO Financial Group offers a meaningfully higher dividend yield (1.29% vs 0.00%).
About Citizens
CIA stock →Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance.
Finance · Life Insurance · 243 employees
About CNO Financial Group
CNO stock →CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance and other insurance products, and financial services for middle-income pre-retiree and retired Americans in the United States. It offers Medicare supplement, supplemental health, and long-term care insurance policies; life insurance; and annuities, as well as Medicare advantage plans to individual consumers through phone, virtually, online, and face-to-face with agents.
Finance · Accident &Health Insurance · 3,200 employees
CIA vs CNO FAQ
Which is bigger, Citizens or CNO Financial Group?
CNO Financial Group (CNO) is larger, with a market capitalization of $4.96B compared with $177.76M for Citizens (CIA).
Which stock has performed better over the past year, CIA or CNO?
CNO returned +33.07% over the past 12 months, compared with -35.02% for CIA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CIA or CNO?
CIA has the lower trailing P/E at 16.0, versus 18.6 for CNO. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, Citizens or CNO Financial Group?
CNO Financial Group pays a dividend yielding 1.29%, while Citizens does not currently pay a regular dividend.
Are Citizens and CNO Financial Group in the same industry?
Both are in the Finance sector, but in different industries: Life Insurance for Citizens and Accident &Health Insurance for CNO Financial Group.