No connection

Search Results

CIA vs EFT

CIA
Citizens, Inc.
NEUTRAL
Price
$5.71
Market Cap
$287.2M
Sector
Financial Services
AI Confidence
80%
EFT
Eaton Vance Floating-Rate Income Trust
BEARISH
Price
$10.79
Market Cap
$286.8M
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
CIA
20.39
EFT
22.48
Forward P/E
CIA
16.31
EFT
--
P/B Ratio
CIA
1.22
EFT
0.86
P/S Ratio
CIA
1.12
EFT
6.39
EV/EBITDA
CIA
15.0
EFT
--

Profitability

Gross Margin
CIA
27.58%
EFT
100.0%
Operating Margin
CIA
10.91%
EFT
89.29%
Profit Margin
CIA
5.71%
EFT
28.44%
ROE
CIA
6.55%
EFT
3.74%
ROA
CIA
0.64%
EFT
4.57%

Growth

Revenue Growth
CIA
13.5%
EFT
-18.1%
Earnings Growth
CIA
99.5%
EFT
-47.2%

Financial Health

Debt/Equity
CIA
0.03
EFT
0.52
Current Ratio
CIA
0.68
EFT
0.09
Quick Ratio
CIA
0.35
EFT
0.09

Dividends

Dividend Yield
CIA
--
EFT
7.67%
Payout Ratio
CIA
0.0%
EFT
267.5%

AI Verdict

CIA NEUTRAL

CIA exhibits a stable financial foundation with a Piotroski F-Score of 4/9 and an exceptionally low Debt/Equity ratio of 0.03. The stock is currently trading at $5.71, which is slightly above its Graham Number ($5.43) but significantly below its growth-based intrinsic value of $8.26. While explosive year-over-year earnings growth (99.5%) and consistent earnings beats provide a strong fundamental catalyst, the outlook is tempered by a heavily bearish technical trend (10/100) and a lack of dividend yield. The company is essentially a growth-oriented small-cap insurance play with strong momentum in earnings surprises but weak price action trends.

Strengths
Exceptional leverage profile with Debt/Equity at 0.03
Explosive YoY earnings growth of 99.50%
Trading at a significant discount to intrinsic value ($8.26)
Risks
Severely bearish technical trend (10/100)
Low liquidity ratios (Current Ratio 0.68, Quick Ratio 0.35)
Very low Return on Assets (ROA 0.64%)
EFT BEARISH

Eaton Vance Floating-Rate Income Trust (EFT) presents as a classic value trap. While the Piotroski F-Score of 5/9 indicates stable financial health and the Graham Number ($11.65) suggests a slight undervaluation, these are overshadowed by a catastrophic earnings collapse (-47.20% YoY) and a completely unsustainable dividend payout ratio of 267.50%. The stark divergence between the Graham Number and the growth-based Intrinsic Value ($3.36) highlights a business in fundamental decline, further confirmed by a 0/100 bearish technical trend.

Strengths
Trading below book value (P/B 0.86)
Stable Piotroski F-Score (5/9)
High nominal dividend yield (7.67%)
Risks
Unsustainable dividend payout ratio (267.50%)
Severe earnings contraction (-47.20% YoY)
Significant revenue decline (-18.10% YoY)

Compare Another Pair

CIA vs EFT: Head-to-Head Comparison

This page compares Citizens, Inc. (CIA) and Eaton Vance Floating-Rate Income Trust (EFT) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI Chat
Markets
Profile