Reviewing Citizens (CIA) & SONY FINL HOLDI/ADR (SNYFY)

Citizens (NYSE:CIA) and SONY FINL HOLDI/ADR (OTCMKTS:SNYFY) are both finance companies, but which is the better business? We will contrast the two businesses based on the strength of their dividends, analyst recommendations, risk, institutional ownership, earnings, valuation and profitability.

Profitability

This table compares Citizens and SONY FINL HOLDI/ADR’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens -4.54% -5.71% -0.68%
SONY FINL HOLDI/ADR 3.91% 8.28% 0.41%

Earnings & Valuation

This table compares Citizens and SONY FINL HOLDI/ADR’s revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Citizens $244.01 million 1.43 -$11.06 million N/A N/A
SONY FINL HOLDI/ADR $12.97 billion 0.67 $467.05 million N/A N/A

SONY FINL HOLDI/ADR has higher revenue and earnings than Citizens.

Volatility and Risk

Citizens has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500. Comparatively, SONY FINL HOLDI/ADR has a beta of 0.91, meaning that its stock price is 9% less volatile than the S&P 500.

Analyst Ratings

This is a summary of recent recommendations for Citizens and SONY FINL HOLDI/ADR, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens 0 0 1 0 3.00
SONY FINL HOLDI/ADR 0 0 0 0 N/A

Citizens currently has a consensus target price of $1.90, suggesting a potential downside of 72.58%. Given Citizens’ higher probable upside, equities analysts plainly believe Citizens is more favorable than SONY FINL HOLDI/ADR.

Institutional and Insider Ownership

22.5% of Citizens shares are held by institutional investors. 0.1% of Citizens shares are held by 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.

Summary

SONY FINL HOLDI/ADR beats Citizens on 6 of the 11 factors compared between the two stocks.

About Citizens

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It 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 international residents in approximately 20 countries through 1,110 independent marketing consultants, as well as through approximately 50 independent marketing firms and consultants throughout the United States. It also provides health insurance policies. The Home Service Insurance segment offers pre-need and final expense ordinary life insurance, and annuities to middle and lower income individuals primarily in Louisiana, Mississippi, and Arkansas. It provides its products and services through funeral homes and independent agents, as well as through a home service marketing distribution system. The company was founded in 1969 and is headquartered in Austin, Texas.

About SONY FINL HOLDI/ADR

Sony Financial Holdings Inc., together with its subsidiaries, provides financial services in Japan and internationally. The company operates in life insurance, non-life insurance, and banking businesses. Its insurance products include death-protection, medical, educational endowment, living benefit, and other insurance products; and non-life insurance products comprise automobile, medical, and cancer insurance products, as well as reinsurance services. The company's banking business provides Yen and foreign currency deposits, and mortgage loans, as well as investment trust, foreign currency margin trading, and other services; and credit card settlement services, as well as plans, develops, and operates nursing care homes. It provides its products through lifeplanner sales employees and independent agencies, as well as through Internet and telephone. The company was founded in 1979 and is headquartered in Tokyo, Japan. Sony Financial Holdings Inc. is a subsidiary of Sony Corporation.

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