CIA vs OPRT

Comparison between Citizens Inc - Class A (CIA, Company) and Oportun Financial Corp (OPRT, Company).

Both CIA and OPRT are from the Financial Services sector.

5-Year PerformanceCIA has outperformed OPRT, delivering a return of -2.0% compared to -22.7%

CIA vs OPRT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	CIA(COMPANY)	OPRT(COMPANY)
Market Cap	$254M	$255M
Max Drawdown	85.54%	92.32%
Sharpe Ratio	0.49	0.04
5Y Beta	1.23	1.55
Industry	Insurance - Life	Credit Services
P/E Ratio	91.20	13.90
Forward P/E	16.13	4.95
PEG Ratio	1.21	N/A
Debt to Equity	0.00%	0.00%
Free Cash Flow Yield	6.39%	N/A
P/S Ratio	0.99	0.35
P/B Ratio	1.11	0.67

Market Cap

CIA

$254M

Winner

OPRT

$255M

Max Drawdown

Winner

CIA

85.54%

OPRT

92.32%

Sharpe Ratio

Winner

CIA

0.49

OPRT

0.04

5Y Beta

Winner

CIA

1.23

OPRT

1.55

Industry

CIA

Insurance - Life

OPRT

Credit Services

P/E Ratio

CIA

91.20

Winner

OPRT

13.90

Forward P/E

CIA

16.13

Winner

OPRT

4.95

PEG Ratio

CIA

1.21

OPRT

N/A

Debt to Equity

CIA

0.00%

OPRT

0.00%

Free Cash Flow Yield

CIA

6.39%

OPRT

N/A

P/S Ratio

CIA

0.99

Winner

OPRT

0.35

P/B Ratio

CIA

1.11

Winner

OPRT

0.67

CIA vs OPRT - Historical Returns

Returns include dividend reinvestment.

Period	CIA	OPRT
1 month	-23.20%	-0.70%
3 months	-12.81%	-3.38%
6 months	-11.23%	-1.21%
1 year	+20.39%	-7.90%
5 years(CAGR)	-2.00%	-22.70%
10 years(CAGR)	-5.74%	N/A
Max(CAGR)	-0.11%	-14.13%

CIA

-23.20%

Winner

OPRT

-0.70%

CIA

-12.81%

Winner

OPRT

-3.38%

CIA

-11.23%

Winner

OPRT

-1.21%

Winner

CIA

+20.39%

OPRT

-7.90%

5Y(CAGR)

Winner

CIA

-2.00%

OPRT

-22.70%

10Y(CAGR)

CIA

-5.74%

OPRT

N/A

Max(CAGR)

Winner

CIA

-0.11%

OPRT

-14.13%

CIA vs OPRT - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	CIA	OPRT
2026	-1.61%	+12.85%
2025	+12.06%	+35.99%
2024	+47.43%	+0.52%
2023	+29.33%	-30.67%
2022	-60.41%	-73.30%
2021	-5.01%	+8.99%
2020	-17.44%	-18.03%
2019	-10.48%	+47.19%
2018	+0.00%	N/A
2017	-26.87%	N/A
2016	+40.29%	N/A
2015	-5.83%	N/A
2014	-10.48%	N/A
2013	-23.65%	N/A
2012	+10.17%	N/A
2011	+24.39%	N/A
2010	+11.36%	N/A
2009	-30.83%	N/A
2008	+63.30%	N/A
2007	-19.86%	N/A
2006	+20.44%	N/A
2005	-6.09%	N/A
2004	-33.71%	N/A
2003	+28.51%	N/A
2002	-40.43%	N/A
2001	+84.00%	N/A
2000	+1.82%	N/A
1999	+19.35%	N/A

CIA vs OPRT Drawdown Comparison

The maximum drawdown for CIA was -85.54%, occurring on May 9, 2023. This drawdown has not yet recovered.

The maximum drawdown for OPRT was -92.32%, occurring on Apr 17, 2024. This drawdown has not yet recovered.

The current CIA drawdown is -58.08%. The current OPRT drawdown is -79.42%.

Rank	CIA	OPRT
#1	-85.54% Dec 19, 2016 - May 9, 2023	-92.32% Nov 12, 2021 - Apr 17, 2024
#2	-60.47% Dec 18, 2001 - Dec 19, 2016	-78.67% Dec 26, 2019 - Aug 6, 2021
#3	-25.22% Jan 11, 2000 - May 29, 2001	-14.22% Oct 7, 2021 - Nov 8, 2021
#4	-19.30% Nov 12, 1999 - Jan 11, 2000	-11.32% Sep 27, 2019 - Oct 24, 2019
#5	-18.29% May 31, 2001 - Jul 18, 2001	-10.00% Nov 19, 2019 - Nov 29, 2019
#6	-15.38% Sep 6, 2001 - Nov 30, 2001	-9.16% Sep 3, 2021 - Oct 7, 2021
#7	-8.38% Jul 18, 2001 - Aug 15, 2001	-8.26% Nov 29, 2019 - Dec 18, 2019
#8	-7.55% Dec 7, 2001 - Dec 18, 2001	-7.12% Aug 11, 2021 - Aug 27, 2021
#9	-3.08% Aug 24, 2001 - Aug 31, 2001	-5.12% Oct 25, 2019 - Nov 7, 2019
#10	-2.40% Nov 30, 2001 - Dec 4, 2001	-4.20% Dec 19, 2019 - Dec 23, 2019
#11	-2.11% Nov 2, 1999 - Nov 5, 1999	-3.13% Nov 13, 2019 - Nov 19, 2019
#12	-2.08% Nov 5, 1999 - Nov 11, 1999	-2.45% Aug 6, 2021 - Aug 11, 2021
#13	-1.67% Aug 20, 2001 - Aug 22, 2001	-2.13% Aug 27, 2021 - Sep 1, 2021
#14	N/A	-0.48% Nov 10, 2021 - Nov 12, 2021
#15	N/A	-0.37% Nov 8, 2021 - Nov 10, 2021