Citizens (CIA) vs Voya Financial (VOYA)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Voya Financial (VOYA) has outperformed Citizens (CIA) over the past year, gaining 27.0% versus a loss of 36.2%. Over five years, VOYA leads with a +37.9% price change compared with -44.1% for CIA. Voya Financial is the larger company by market cap ($8.58 billion vs $175.7 million), about 48.8 times the size.
On valuation, Voya Financial trades at a lower forward P/E (8.3x vs 17.4x for Citizens). Voya Financial pays a dividend yielding 1.96%, 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 | VOYA |
|---|---|---|
| Share price | $3.47 | $94.67 |
| Market cap | $175.73M | $8.58B |
| 1-day change | -1.70% | -2.04% |
| YTD return | -26.92% | +27.09% |
| 1-year return | -36.17% | +27.01% |
| 5-year return | -44.15% | +37.88% |
| P/E ratio (TTM) | 15.77 | 15.94 |
| Forward P/E | 17.35 | 8.32 |
| EPS (TTM) | $0.22 | $5.94 |
| Dividend yield | 0.00% | 1.96% |
| Annual dividend | $0.00 | $1.86 |
| Revenue (latest FY) | — | $8.19B |
| Revenue growth (YoY) | — | +1.73% |
| Net income (latest FY) | — | $654.00M |
| Operating margin | — | 12.68% |
| Net margin | — | 7.99% |
| 52-week high | $6.54 | $105.64 |
| 52-week low | $3.38 | $64.50 |
| Distance from 52-week high | -46.94% | -10.38% |
| Analyst consensus | none | buy |
| Avg. price target upside | +51.30% | +14.69% |
| Average volume | 127.68K | 1.05M |
| Shares outstanding | 50.64M | 90.60M |
| Employees | 243 | 11,000 |
| 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
- Voya Financial is about 48.8 times larger than Citizens by market value ($8.58B vs $175.73M).
- VOYA has outperformed CIA by 63.2 percentage points over the past year.
- Voya Financial offers a meaningfully higher dividend yield (1.96% 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 Voya Financial
VOYA stock →Voya Financial, Inc. provides workplace benefits, and savings solutions and technologies in the United States and internationally.
Finance · Life Insurance · 11,000 employees
CIA vs VOYA FAQ
Which is bigger, Citizens or Voya Financial?
Voya Financial (VOYA) is larger, with a market capitalization of $8.58B compared with $175.73M for Citizens (CIA).
Which stock has performed better over the past year, CIA or VOYA?
VOYA returned +27.01% over the past 12 months, compared with -36.17% for CIA (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, CIA or VOYA?
CIA has the lower trailing P/E at 15.8, versus 15.9 for VOYA. 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 Voya Financial?
Voya Financial pays a dividend yielding 1.96%, while Citizens does not currently pay a regular dividend.
Are Citizens and Voya Financial in the same industry?
Yes. Both are classified in the Life Insurance industry within the Finance sector.