Head-To-Head Comparison: Citizens (NYSE:CIA) vs. Fidelis Insurance (NYSE:FIHL)

Fidelis Insurance (NYSE:FIHL) and Citizens (NYSE:CIA) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their profitability, analyst recommendations, dividends, risk, earnings, valuation and institutional ownership.

Risk and Volatility

Fidelis Insurance has a beta of 0.36, meaning that its stock price is 64% less volatile than the S&P 500. Comparatively, Citizens has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500.

Profitability

This table compares Fidelis Insurance and Citizens’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Fidelis Insurance	9.02%	8.62%	1.62%
Citizens	4.55%	4.73%	0.63%

Analyst Ratings

This is a breakdown of recent ratings and target prices for Fidelis Insurance and Citizens, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Fidelis Insurance	2	2	3	0	2.14
Citizens	0	1	2	0	2.67

Fidelis Insurance presently has a consensus target price of $21.92, suggesting a potential downside of 9.99%. Citizens has a consensus target price of $5.50, suggesting a potential upside of 55.59%. Given Citizens’ stronger consensus rating and higher probable upside, analysts clearly believe Citizens is more favorable than Fidelis Insurance.

Insider & Institutional Ownership

82.0% of Fidelis Insurance shares are held by institutional investors. Comparatively, 13.7% of Citizens shares are held by institutional investors. 2.2% of Citizens shares are held by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Valuation and Earnings

This table compares Fidelis Insurance and Citizens”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Fidelis Insurance	$2.17 billion	1.08	$225.50 million	$2.21	11.02
Citizens	$255.62 million	0.77	$14.59 million	$0.21	16.83

Fidelis Insurance has higher revenue and earnings than Citizens. Fidelis Insurance is trading at a lower price-to-earnings ratio than Citizens, indicating that it is currently the more affordable of the two stocks.

Summary

Fidelis Insurance beats Citizens on 9 of the 14 factors compared between the two stocks.

About Fidelis Insurance

Fidelis Insurance Holdings Limited, a specialty insurer, provides insurance and reinsurance solutions in Bermuda, the Republic of Ireland, and the United Kingdom. It operates in three segments: Specialty, Reinsurance, and Bespoke segments. The Specialty segment offers aviation and aerospace, energy, marine, property direct and facultative, and other specialty risk solutions. The Reinsurance segment provides property, retrocession, and whole account reinsurance solutions. The Bespoke segment offers customized risk solutions for clients that include credit and political risk, as well as other risk transfer opportunities, including political violence and terrorism, limited cyber reinsurance, tax liabilities, title, transactional liabilities, and other bespoke solutions. Fidelis Insurance Holdings Limited was incorporated in 2014 and is headquartered in Pembroke, Bermuda.

About Citizens

Citizens, Inc. provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.