Reviewing Citizens Financial (CFIN) and CNO Financial Group (CNO)

Citizens Financial (OTCMKTS:CFIN) and CNO Financial Group (NYSE:CNO) are both finance companies, but which is the better business? We will compare the two companies based on the strength of their earnings, risk, institutional ownership, profitability, valuation, analyst recommendations and dividends.

Analyst Recommendations

This is a breakdown of recent ratings for Citizens Financial and CNO Financial Group, as reported by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens Financial 0 0 0 0 N/A
CNO Financial Group 0 3 2 0 2.40

CNO Financial Group has a consensus target price of $24.00, indicating a potential upside of 30.65%. Given CNO Financial Group’s higher probable upside, analysts clearly believe CNO Financial Group is more favorable than Citizens Financial.

Profitability

This table compares Citizens Financial and CNO Financial Group’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens Financial N/A N/A N/A
CNO Financial Group 5.12% 7.11% 1.02%

Institutional & Insider Ownership

92.4% of CNO Financial Group shares are held by institutional investors. 59.4% of Citizens Financial shares are held by company insiders. Comparatively, 2.3% of CNO Financial Group shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Citizens Financial and CNO Financial Group’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens Financial N/A N/A N/A N/A N/A
CNO Financial Group $4.30 billion 0.70 $175.60 million $2.02 9.09

CNO Financial Group has higher revenue and earnings than Citizens Financial.

Volatility & Risk

Citizens Financial has a beta of 0.09, meaning that its share price is 91% less volatile than the S&P 500. Comparatively, CNO Financial Group has a beta of 1.12, meaning that its share price is 12% more volatile than the S&P 500.

Dividends

CNO Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 2.2%. Citizens Financial does not pay a dividend. CNO Financial Group pays out 19.8% of its earnings in the form of a dividend. CNO Financial Group has raised its dividend for 5 consecutive years.

Summary

CNO Financial Group beats Citizens Financial on 10 of the 12 factors compared between the two stocks.

About Citizens Financial

Citizens Financial Corporation, through its subsidiary, provides ancillary health insurance products. It also offers administrative services to medical professionals involved in providing on-site treatment to patients in community settings. The company offers group ancillary insurance products, including group dental, group vision, and group life insurance; and individual ancillary insurance products, such as individual dental and individual vision insurance to the senior market. Citizens Financial Corporation was incorporated in 1990 and is based in Louisville, Kentucky.

About CNO Financial Group

CNO Financial Group, Inc., through its subsidiaries, develops, markets, and administers health insurance, annuity, individual life insurance, and other insurance products for senior and middle-income markets in the United States. It operates through Bankers Life, Washington National, Colonial Penn, and Long-Term Care in Run Off segments. The Bankers Life segment markets and distributes Medicare supplement insurance, interest-sensitive and traditional life insurance, fixed annuities, and long-term care insurance products; and Medicare advantage and prescription drug plan products through various distribution and marketing agreements. The Washington National segment markets and distributes supplemental health insurance, including specified disease, accident, and hospital indemnity insurance products; and life insurance at home and the worksite through independent marketing organizations and insurance agencies. The Colonial Penn segment primarily markets graded benefit and simplified issue life insurance directly to customers through television advertising, direct mail, the Internet, and telemarketing. The Long-Term Care in Run Off segment engages in the long-term care business. The company sells its products through career agents, independent producers, and direct marketing. CNO Financial Group, Inc. was founded in 1979 and is headquartered in Carmel, Indiana.

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