Citizens (CIA) vs Primerica (PRI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Primerica (PRI) has outperformed Citizens (CIA) over the past year, gaining 0.2% versus a loss of 35.0%. Over five years, PRI leads with a +64.0% price change compared with -45.1% for CIA. Primerica is the larger company by market cap ($8.53 billion vs $178.5 million), about 47.8 times the size.
On valuation, Primerica trades at a lower forward P/E (10.2x vs 17.6x for Citizens). Primerica pays a dividend yielding 1.67%, 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 | PRI |
|---|---|---|
| Share price | $3.53 | $277.27 |
| Market cap | $178.52M | $8.53B |
| 1-day change | +1.59% | +1.41% |
| YTD return | -28.16% | +5.83% |
| 1-year return | -35.02% | +0.17% |
| 5-year return | -45.09% | +64.02% |
| P/E ratio (TTM) | 16.02 | 11.14 |
| Forward P/E | 17.63 | 10.21 |
| EPS (TTM) | $0.22 | $24.90 |
| Dividend yield | 0.00% | 1.67% |
| Annual dividend | $0.00 | $4.64 |
| Revenue (latest FY) | — | $3.29B |
| Revenue growth (YoY) | — | +6.56% |
| Net income (latest FY) | — | $751.23M |
| Net margin | — | 22.82% |
| 52-week high | $6.54 | $327.28 |
| 52-week low | $3.38 | $230.09 |
| Distance from 52-week high | -46.10% | -15.28% |
| Analyst consensus | none | buy |
| Avg. price target upside | +48.94% | +17.03% |
| Average volume | 126.28K | 184.88K |
| Shares outstanding | 50.64M | 30.78M |
| Employees | 243 | 2,301 |
| 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
- Primerica is about 47.8 times larger than Citizens by market value ($8.53B vs $178.52M).
- PRI has outperformed CIA by 35.2 percentage points over the past year.
- Citizens trades at a higher earnings multiple (16.0x vs 11.1x trailing P/E).
- Primerica offers a meaningfully higher dividend yield (1.67% 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 Primerica
PRI stock →Primerica, Inc., together with its subsidiaries, provides financial products and services to middle-income households in the United States and Canada. It operates in three segments: Term Life Insurance; Investment and Savings Products; and Corporate and Other Distributed Products.
Finance · Life Insurance · 2,301 employees
CIA vs PRI FAQ
Which is bigger, Citizens or Primerica?
Primerica (PRI) is larger, with a market capitalization of $8.53B compared with $178.52M for Citizens (CIA).
Which stock has performed better over the past year, CIA or PRI?
PRI returned +0.17% 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 PRI?
PRI has the lower trailing P/E at 11.1, 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 Primerica?
Primerica pays a dividend yielding 1.67%, while Citizens does not currently pay a regular dividend.
Are Citizens and Primerica in the same industry?
Yes. Both are classified in the Life Insurance industry within the Finance sector.