CIA vs. UNM
CIA (Citizens, Inc.) and UNM (Unum Group) are both stocks. Both operate in the Insurance - Life industry within the Financial Services sector. Over the past 10 years, CIA returned -5.89%/yr vs 13.77%/yr for UNM. Their 0.22 correlation means their historical movements had little consistent relationship.
Performance
CIA vs. UNM - Performance Comparison
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Returns By Period
In the year-to-date period, CIA achieves a -2.07% return, which is significantly lower than UNM's 13.11% return. Over the past 10 years, CIA has underperformed UNM with an annualized return of -5.89%, while UNM has yielded a comparatively higher 13.77% annualized return.
CIA
- 1D
- -2.67%
- 1M
- -20.37%
- 6M
- -14.77%
- YTD
- -2.07%
- 1Y
- 20.97%
- 3Y*
- 22.87%
- 5Y*
- -2.47%
- 10Y*
- -5.89%
- ALL TIME*
- 1.18%
UNM
- 1D
- -0.76%
- 1M
- -6.20%
- 6M
- 14.69%
- YTD
- 13.11%
- 1Y
- 26.47%
- 3Y*
- 24.15%
- 5Y*
- 29.59%
- 10Y*
- 13.77%
- ALL TIME*
- 8.82%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
| $513.43K | $529.41K | $620.44K | |
UNM Unum Group | $144.51M | $136.21M | $122.97M |
CIA vs. UNM - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
CIA Citizens, Inc. | -2.07% | 20.45% | 49.07% | 26.29% | -59.89% | -7.33% | -15.11% | -10.24% | 2.31% | -25.15% |
UNM Unum Group | 13.11% | 8.56% | 66.31% | 13.72% | 73.56% | 11.87% | -16.22% | 2.63% | -45.22% | 27.19% |
Correlation
The correlation between CIA and UNM is 0.22, which is low. Their historical price movements had little consistent relationship.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.22 |
Correlation (3Y) Balances recent behavior with more history. | 0.16 |
Correlation (5Y) Shows whether the relationship held over a longer period. | 0.14 |
Correlation (10Y) Provides a long-term view across more market conditions. | 0.26 |
Correlation (All Time) Calculated using the full available price history since Dec 5, 1988 | 0.22 |
The correlation between CIA and UNM shifts across timeframes, from 0.14 (5 years) to 0.26 (10 years), reflecting how their relationship changes across market environments.
Fundamentals
CIA:
$239.12M
UNM:
$13.63B
CIA:
$0.54
UNM:
$4.24
CIA:
8.70
UNM:
20.31
CIA:
0.03
UNM:
1.42
CIA:
0.62
UNM:
1.08
CIA:
$259.68M
UNM:
$13.25B
CIA:
$72.51M
UNM:
$4.73B
CIA:
$19.74M
UNM:
$1.21B
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Return for Risk
CIA vs. UNM — Risk / Return Rank
CIA
UNM
CIA vs. UNM - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Citizens, Inc. (CIA) and Unum Group (UNM). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CIA | UNM | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -0.56 | ||
| Sortino ratioReturn per unit of downside risk | -0.65 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.20 | -0.08 |
| Calmar ratioReturn relative to maximum drawdown | 0.88 | 1.98 | -1.10 |
| Martin ratioReturn relative to average drawdown | 1.87 | 4.97 | -3.09 |
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Drawdowns
CIA vs. UNM - Drawdown Comparison
The maximum CIA drawdown since its inception was -87.35%, roughly equal to the maximum UNM drawdown of -89.38%. Use the drawdown chart below to compare losses from any high point for CIA and UNM.
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Drawdown Indicators
| CIA | UNM | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -87.35% | -89.38% | +2.03% |
Max Drawdown (1Y)Largest decline over 1 year | -27.05% | -11.55% | -15.50% |
Max Drawdown (3Y)Largest decline over 3 years | -47.54% | -17.94% | -29.60% |
Max Drawdown (5Y)Largest decline over 5 years | -75.40% | -20.95% | -54.45% |
Max Drawdown (10Y)Largest decline over 10 years | -85.54% | -81.06% | -4.48% |
Current DrawdownCurrent decline from peak | -64.59% | -6.59% | -58.00% |
Average DrawdownAverage peak-to-trough decline | -46.51% | -32.57% | -13.94% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 12.76% | 4.66% | +8.10% |
Volatility
CIA vs. UNM - Volatility Comparison
Citizens, Inc. (CIA) and Unum Group (UNM) have volatilities of 8.75% and 8.35%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| CIA | UNM | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 8.75% | 8.35% | +0.40% |
Volatility (6M)Calculated over the trailing 6-month period | 33.17% | 16.55% | +16.62% |
Volatility (1Y)Calculated over the trailing 1-year period | 51.76% | 22.38% | +29.38% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 58.81% | 29.81% | +29.00% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 52.47% | 37.46% | +15.01% |
Dividends
CIA vs. UNM - Dividend Comparison
CIA has not paid dividends to shareholders, while UNM's dividend yield for the trailing twelve months is around 2.19%.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
CIA Citizens, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
UNM Unum Group | 2.19% | 2.27% | 2.15% | 3.07% | 3.07% | 4.76% | 4.97% | 3.74% | 3.34% | 1.57% | 1.75% | 2.10% |
Financials
CIA vs. UNM - Financials Comparison
This section allows you to compare key financial metrics between Citizens, Inc. and Unum Group. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
CIA vs. UNM - Profitability Comparison
CIA - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Citizens, Inc. reported a gross profit of 0.00 and revenue of 59.72M. Therefore, the gross margin over that period was 0.0%.
UNM - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Unum Group reported a gross profit of 1.29B and revenue of 3.29B. Therefore, the gross margin over that period was 39.2%.
CIA - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Citizens, Inc. reported an operating income of 0.00 and revenue of 59.72M, resulting in an operating margin of 0.0%.
UNM - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Unum Group reported an operating income of 329.50M and revenue of 3.29B, resulting in an operating margin of 10.0%.
CIA - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Citizens, Inc. reported a net income of 2.27M and revenue of 59.72M, resulting in a net margin of 3.8%.
UNM - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Unum Group reported a net income of 256.90M and revenue of 3.29B, resulting in a net margin of 7.8%.
Frequently Asked Questions
CIA and UNM have a correlation of 0.22, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
CIA has higher volatility (8.75%) compared to UNM (8.35%). In terms of maximum drawdown, CIA dropped -87.35% vs UNM's -89.38%.
UNM currently has the higher Sharpe Ratio (1.02 vs 0.46), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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