Head to Head Analysis: Citizens (NYSE:CIA) & NN Group (OTCMKTS:NNGRY)

Citizens (NYSE:CIA) and NN Group (OTCMKTS:NNGRY) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, profitability, risk, dividends and earnings.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Citizens	3.60%	5.50%	0.67%
NN Group	N/A	N/A	N/A

Analyst Recommendations

This is a summary of current ratings and recommmendations for Citizens and NN Group, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Citizens	0	0	0	1	4.00
NN Group	1	3	0	1	2.20

Insider & Institutional Ownership

13.7% of Citizens shares are held by institutional investors. Comparatively, 0.0% of NN Group shares are held by institutional investors. 1.6% of Citizens shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Volatility and Risk

Citizens has a beta of 0.36, indicating that its share price is 64% less volatile than the S&P 500. Comparatively, NN Group has a beta of 0.87, indicating that its share price is 13% less volatile than the S&P 500.

Earnings and Valuation

This table compares Citizens and NN Group”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Citizens	$245.00 million	0.84	$14.91 million	$0.17	24.03
NN Group	$10.28 billion	1.74	$1.71 billion	N/A	N/A

NN Group has higher revenue and earnings than Citizens.

Summary

Citizens beats NN Group on 6 of the 10 factors compared between the two stocks.

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.

About NN Group

NN Group N.V., a financial services company, provides life and non-life insurance products in the Netherlands and internationally. The company operates through Netherlands Life, Netherlands Non-life, Insurance Europe, Japan Life, Banking, and Other segments. It offers Life insurance products, such as group and individual pension products, retail life insurance, and SME life insurance products; and non-life insurance products, including motor, fire, liability, transport, travel, health, property and casualty, and disability and accident insurance products. The company also provides banking services, including mortgage loans, bank annuities, consumer savings, and retail savings and investment products; reinsurance services; and retirement products and services. It offers its products to individuals, small and medium-sized enterprises, and Corporates customers directly through tied agents, agents/ brokers, platform insurance, and direct channels. The company was formerly known as ING Insurance Topholding N.V. and changed its name to NN Group N.V. in March 2014. NN Group N.V. was founded in 1845 and is headquartered in the Hague, the Netherlands.