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CIA vs. UNM
Performance
Risk-Adjusted Performance
Dividends
Drawdowns
Volatility
Financials

Correlation

The correlation between CIA and UNM is 0.51, which is considered to be moderate. This suggests that the two assets have some degree of positive relationship in their price movements. Moderate correlation can be acceptable for portfolio diversification, offering a balance between risk and potential returns.


Performance

CIA vs. UNM - Performance Comparison

The chart below illustrates the hypothetical performance of a $10,000 investment in Citizens, Inc. (CIA) and Unum Group (UNM). The values are adjusted to include any dividend payments, if applicable.

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Key characteristics

Sharpe Ratio

CIA:

0.45

UNM:

2.09

Sortino Ratio

CIA:

1.02

UNM:

2.87

Omega Ratio

CIA:

1.13

UNM:

1.43

Calmar Ratio

CIA:

0.35

UNM:

3.91

Martin Ratio

CIA:

1.41

UNM:

13.34

Ulcer Index

CIA:

20.04%

UNM:

4.52%

Daily Std Dev

CIA:

68.25%

UNM:

28.07%

Max Drawdown

CIA:

-85.54%

UNM:

-89.38%

Current Drawdown

CIA:

-68.52%

UNM:

-1.43%

Fundamentals

Market Cap

CIA:

$188.56M

UNM:

$14.37B

EPS

CIA:

$0.17

UNM:

$8.51

PE Ratio

CIA:

21.65

UNM:

9.60

PEG Ratio

CIA:

0.00

UNM:

2.50

PS Ratio

CIA:

0.78

UNM:

1.12

PB Ratio

CIA:

0.86

UNM:

1.28

Total Revenue (TTM)

CIA:

$242.94M

UNM:

$12.73B

Gross Profit (TTM)

CIA:

$187.29M

UNM:

$12.50B

EBITDA (TTM)

CIA:

$10.38M

UNM:

$2.21B

Returns By Period

In the year-to-date period, CIA achieves a -8.23% 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 -5.07%, while UNM has yielded a comparatively higher 12.27% annualized return.


CIA

YTD

-8.23%

1M

-8.68%

6M

-17.86%

1Y

30.04%

3Y*

3.49%

5Y*

-9.55%

10Y*

-5.07%

UNM

YTD

13.11%

1M

5.22%

6M

7.42%

1Y

58.11%

3Y*

34.82%

5Y*

45.41%

10Y*

12.27%

*Annualized

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Citizens, Inc.

Unum Group

Go deeper with the Portfolio Analysis tool — backtest performance, assess risk, compare to benchmarks, and more

Risk-Adjusted Performance

CIA vs. UNM — Risk-Adjusted Performance Rank

Compare risk-adjusted metric ranks to identify better-performing investments over the past 12 months.

CIA
The Risk-Adjusted Performance Rank of CIA is 6666
Overall Rank
The Sharpe Ratio Rank of CIA is 6666
Sharpe Ratio Rank
The Sortino Ratio Rank of CIA is 6565
Sortino Ratio Rank
The Omega Ratio Rank of CIA is 6363
Omega Ratio Rank
The Calmar Ratio Rank of CIA is 6767
Calmar Ratio Rank
The Martin Ratio Rank of CIA is 6767
Martin Ratio Rank

UNM
The Risk-Adjusted Performance Rank of UNM is 9696
Overall Rank
The Sharpe Ratio Rank of UNM is 9595
Sharpe Ratio Rank
The Sortino Ratio Rank of UNM is 9393
Sortino Ratio Rank
The Omega Ratio Rank of UNM is 9494
Omega Ratio Rank
The Calmar Ratio Rank of UNM is 9898
Calmar Ratio Rank
The Martin Ratio Rank of UNM is 9797
Martin Ratio Rank
The risk-adjusted ranks indicate the investment's position relative to the market. A rank closer to 100 signifies top-performing investments, while a rank closer to 0 might suggest underperformance, based on the selected ratio. The values are calculated based on the past 12 months of returns.

CIA vs. UNM - Risk-Adjusted Performance 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.


The current CIA Sharpe Ratio is 0.45, which is lower than the UNM Sharpe Ratio of 2.09. The chart below compares the historical Sharpe Ratios of CIA and UNM, offering insights into how both investments have performed under varying market conditions. These values are calculated using daily returns over the previous 12 months.


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Go to the full Sharpe Ratio tool to analyze any stock or portfolio. Customize time frames, set your own risk-free rate, and more

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 2.06%.


TTM20242023202220212020201920182017201620152014
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
2.06%2.15%3.07%3.07%4.76%4.97%3.74%3.34%1.57%1.75%2.10%1.78%

Drawdowns

CIA vs. UNM - Drawdown Comparison

The maximum CIA drawdown since its inception was -85.54%, 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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Go to the full Drawdowns tool for more analysis options, including inflation-adjusted drawdowns, and more

Volatility

CIA vs. UNM - Volatility Comparison

Citizens, Inc. (CIA) has a higher volatility of 16.13% compared to Unum Group (UNM) at 5.78%. This indicates that CIA's price experiences larger fluctuations and is considered to be riskier than UNM based on this measure. The chart below showcases a comparison of their rolling one-month volatility.


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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.


Quarterly
Annual

Total Revenue: Total amount of money received from sales and other business activities


0.001.00B2.00B3.00B4.00B20212022202320242025
55.65M
3.09B
(CIA) Total Revenue
(UNM) Total Revenue
Values in USD except per share items