Citizens (CIA) vs Lincoln National (LNC)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Lincoln National (LNC) has outperformed Citizens (CIA) over the past year, gaining 2.3% versus a loss of 35.0%. Over five years, LNC leads with a -43.3% price change compared with -45.1% for CIA. Lincoln National is the larger company by market cap ($7.85 billion vs $178.8 million), about 43.9 times the size.
On valuation, Lincoln National trades at a lower forward P/E (4.7x vs 17.6x for Citizens). Lincoln National pays a dividend yielding 4.39%, 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 | LNC |
|---|---|---|
| Share price | $3.53 | $40.99 |
| Market cap | $178.77M | $7.85B |
| 1-day change | +1.73% | -0.02% |
| YTD return | -28.16% | -7.93% |
| 1-year return | -35.02% | +2.35% |
| 5-year return | -45.09% | -43.29% |
| P/E ratio (TTM) | 16.05 | 3.49 |
| Forward P/E | 17.65 | 4.68 |
| EPS (TTM) | $0.22 | $11.73 |
| Dividend yield | 0.00% | 4.39% |
| Annual dividend | $0.00 | $1.80 |
| Revenue (latest FY) | — | $18.21B |
| Revenue growth (YoY) | — | -1.25% |
| Net income (latest FY) | — | $1.18B |
| Net margin | — | 6.46% |
| 52-week high | $6.54 | $47.67 |
| 52-week low | $3.38 | $32.18 |
| Distance from 52-week high | -46.02% | -14.01% |
| Analyst consensus | none | hold |
| Avg. price target upside | +48.73% | +17.30% |
| Average volume | 126.28K | 2.04M |
| Shares outstanding | 50.64M | 191.45M |
| Employees | 243 | 9,423 |
| Sector | Finance | Finance |
| Industry | Life Insurance | Life 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
- Lincoln National is about 43.9 times larger than Citizens by market value ($7.85B vs $178.77M).
- LNC has outperformed CIA by 37.4 percentage points over the past year.
- Citizens trades at a higher earnings multiple (16.0x vs 3.5x trailing P/E).
- Lincoln National offers a meaningfully higher dividend yield (4.39% 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 Lincoln National
LNC stock →Lincoln National Corporation, through its subsidiaries, operates multiple insurance and retirement businesses in the United States. It operates through four segments: Life Insurance, Annuities, Group Protection, and Retirement Plan Services.
Finance · Life Insurance · 9,423 employees
CIA vs LNC FAQ
Which is bigger, Citizens or Lincoln National?
Lincoln National (LNC) is larger, with a market capitalization of $7.85B compared with $178.77M for Citizens (CIA).
Which stock has performed better over the past year, CIA or LNC?
LNC returned +2.35% 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 LNC?
LNC has the lower trailing P/E at 3.5, versus 16.0 for CIA. 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 Lincoln National?
Lincoln National pays a dividend yielding 4.39%, while Citizens does not currently pay a regular dividend.
Are Citizens and Lincoln National in the same industry?
Yes. Both are classified in the Life Insurance industry within the Finance sector.