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5 / 10Stock Comparison
CIA vs SNFCA vs CSWC vs TPVG vs GBLI
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Mortgages
Asset Management
Asset Management
Insurance - Property & Casualty
CIA vs SNFCA vs CSWC vs TPVG vs GBLI — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | |||||
|---|---|---|---|---|---|
| Industry | Insurance - Life | Financial - Mortgages | Asset Management | Asset Management | Insurance - Property & Casualty |
| Market Cap | $288M | $251M | $1.43B | $243M | $392M |
| Revenue (TTM) | $256M | $344.59B | $164M | $97M | $451M |
| Net Income (TTM) | $15M | $19M | $103M | $-12M | $34M |
| Gross Margin | 41.7% | — | 66.5% | 83.5% | 37.7% |
| Operating Margin | 5.1% | — | 48.5% | 77.9% | 9.7% |
| Forward P/E | 18.9x | 7.9x | 10.1x | 6.5x | 9.7x |
| Total Debt | $0.00 | $0.00 | $956M | $469M | $8M |
| Cash & Equiv. | $6M | $0.00 | $43M | $20M | $66M |
CIA vs SNFCA vs CSWC vs TPVG vs GBLI — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Citizens, Inc. (CIA) | 100 | 93.0 | -7.0% |
| Security National F… (SNFCA) | 100 | 190.0 | +90.0% |
| Capital Southwest C… (CSWC) | 100 | 171.6 | +71.6% |
| TriplePoint Venture… (TPVG) | 100 | 59.8 | -40.2% |
| Global Indemnity Gr… (GBLI) | 100 | 112.5 | +12.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: CIA vs SNFCA vs CSWC vs TPVG vs GBLI
Each card shows where this stock fits in a portfolio — not just who wins on paper.
CIA ranks third and is worth considering specifically for momentum.
- +48.5% vs SNFCA's -1.0%
SNFCA has the current edge in this matchup, primarily because of its strength in growth exposure.
- Rev growth 42K%, EPS growth 18.9%
- 42K% NII/revenue growth vs GBLI's 2.0%
- Lower P/E (7.9x vs 9.7x)
CSWC is the clearest fit if your priority is long-term compounding.
- 234.2% 10Y total return vs SNFCA's 209.4%
- 4.8% ROA vs TPVG's -1.5%, ROIC 3.5% vs 7.2%
TPVG is the #2 pick in this set and the best alternative if income & stability and bank quality is your priority.
- Dividend streak 0 yrs, beta 0.83, yield 17.1%
- NIM 7.4% vs CSWC's 7.0%
- 50.6% margin vs CIA's 5.7%
- 17.1% yield, vs CSWC's 10.2%, (2 stocks pay no dividend)
GBLI is the clearest fit if your priority is sleep-well-at-night and defensive.
- Lower volatility, beta 0.14, Low D/E 1.2%, current ratio 1.35x
- Beta 0.14, yield 5.1%, current ratio 1.35x
- Beta 0.14 vs CIA's 1.21
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 42K% NII/revenue growth vs GBLI's 2.0% | |
| Value | Lower P/E (7.9x vs 9.7x) | |
| Quality / Margins | 50.6% margin vs CIA's 5.7% | |
| Stability / Safety | Beta 0.14 vs CIA's 1.21 | |
| Dividends | 17.1% yield, vs CSWC's 10.2%, (2 stocks pay no dividend) | |
| Momentum (1Y) | +48.5% vs SNFCA's -1.0% | |
| Efficiency (ROA) | 4.8% ROA vs TPVG's -1.5%, ROIC 3.5% vs 7.2% |
CIA vs SNFCA vs CSWC vs TPVG vs GBLI — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
Segment breakdown not available.
CIA vs SNFCA vs CSWC vs TPVG vs GBLI — Financial Metrics
Side-by-side numbers across 5 stocks — who leads on profitability, valuation, growth, and risk.
Who Leads Where
TPVG leads in 1 of 6 categories
SNFCA leads 1 • GBLI leads 1 • CIA leads 1 • CSWC leads 0 • 2 tied
Explore the data ↓Income & Cash Flow (Last 12 Months)
TPVG leads this category, winning 3 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
SNFCA is the larger business by revenue, generating $344.6B annually — 3544.8x TPVG's $97M. TPVG is the more profitable business, keeping 50.6% of every revenue dollar as net income compared to CIA's 5.7%. On growth, CIA holds the edge at +13.5% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | |||||
|---|---|---|---|---|---|
| RevenueTrailing 12 months | $256M | $344.6B | $164M | $97M | $451M |
| EBITDAEarnings before interest/tax | $14M | $27M | $142M | -$22M | $48M |
| Net IncomeAfter-tax profit | $15M | $19M | $103M | -$12M | $34M |
| Free Cash FlowCash after capex | $23M | $46M | -$69M | $35M | $7M |
| Gross MarginGross profit ÷ Revenue | +41.7% | — | +66.5% | +83.5% | +37.7% |
| Operating MarginEBIT ÷ Revenue | +5.1% | — | +48.5% | +77.9% | +9.7% |
| Net MarginNet income ÷ Revenue | +5.7% | +9.3% | +43.1% | +50.6% | +7.4% |
| FCF MarginFCF ÷ Revenue | +9.1% | +12.7% | -132.6% | -58.7% | +1.5% |
| Rev. Growth (YoY)Latest quarter vs prior year | +13.5% | — | — | — | +0.5% |
| EPS Growth (YoY)Latest quarter vs prior year | +106.6% | -36.7% | +113.3% | -2.3% | +196.7% |
Valuation Metrics
SNFCA leads this category, winning 3 of 6 comparable metrics.
Valuation Metrics
At 4.9x trailing earnings, TPVG trades at a 75% valuation discount to CIA's 19.5x P/E. On an enterprise value basis, GBLI's 8.6x EV/EBITDA is more attractive than CSWC's 27.4x.
| Metric | |||||
|---|---|---|---|---|---|
| Market CapShares × price | $288M | $251M | $1.4B | $243M | $392M |
| Enterprise ValueMkt cap + debt − cash | $283M | $251M | $2.3B | $691M | $335M |
| Trailing P/EPrice ÷ TTM EPS | 19.50x | 7.86x | 16.32x | 4.91x | 15.60x |
| Forward P/EPrice ÷ next-FY EPS est. | 18.85x | — | 10.06x | 6.50x | 9.71x |
| PEG RatioP/E ÷ EPS growth rate | — | — | — | 4.84x | — |
| EV / EBITDAEnterprise value multiple | — | — | 27.43x | 9.13x | 8.59x |
| Price / SalesMarket cap ÷ Revenue | 1.13x | 0.00x | 8.71x | 2.50x | 0.87x |
| Price / BookPrice ÷ Book value/share | 1.23x | 0.00x | 1.39x | 0.68x | 0.55x |
| Price / FCFMarket cap ÷ FCF | 193.67x | 0.01x | — | — | 43.22x |
Profitability & Efficiency
GBLI leads this category, winning 4 of 9 comparable metrics.
Profitability & Efficiency
CSWC delivers a 10.3% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $-3 for TPVG. GBLI carries lower financial leverage with a 0.01x debt-to-equity ratio, signaling a more conservative balance sheet compared to TPVG's 1.33x. On the Piotroski fundamental quality scale (0–9), TPVG scores 5/9 vs CSWC's 1/9, reflecting solid financial health.
| Metric | |||||
|---|---|---|---|---|---|
| ROE (TTM)Return on equity | +6.4% | +5.3% | +10.3% | -3.4% | +0.0% |
| ROA (TTM)Return on assets | +0.8% | +1.2% | +4.8% | -1.5% | +0.0% |
| ROICReturn on invested capital | — | — | +3.5% | +7.2% | +3.8% |
| ROCEReturn on capital employed | — | — | +4.6% | +9.4% | +4.4% |
| Piotroski ScoreFundamental quality 0–9 | 4 | 2 | 1 | 5 | 5 |
| Debt / EquityFinancial leverage | — | — | 1.08x | 1.33x | 0.01x |
| Net DebtTotal debt minus cash | -$6M | $0 | $913M | $449M | -$57M |
| Cash & Equiv.Liquid assets | $6M | $0 | $43M | $20M | $66M |
| Total DebtShort + long-term debt | $0 | $0 | $956M | $469M | $8M |
| Interest CoverageEBIT ÷ Interest expense | — | 6.24x | 2.91x | -1.02x | 16.91x |
Total Returns (Dividends Reinvested)
CIA leads this category, winning 3 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in CSWC five years ago would be worth $15,138 today (with dividends reinvested), compared to $8,649 for TPVG. Over the past 12 months, CIA leads with a +48.5% total return vs SNFCA's -1.0%. The 3-year compound annual growth rate (CAGR) favors CIA at 48.1% vs TPVG's -1.2% — a key indicator of consistent wealth creation.
| Metric | |||||
|---|---|---|---|---|---|
| YTD ReturnYear-to-date | +13.6% | +14.1% | +11.4% | -6.3% | -3.8% |
| 1-Year ReturnPast 12 months | +48.5% | -1.0% | +34.0% | +19.3% | +3.7% |
| 3-Year ReturnCumulative with dividends | +225.1% | +38.7% | +75.8% | -3.4% | +11.6% |
| 5-Year ReturnCumulative with dividends | -0.8% | +44.9% | +51.4% | -13.5% | +12.5% |
| 10-Year ReturnCumulative with dividends | -24.9% | +209.4% | +234.2% | +93.3% | +17.7% |
| CAGR (3Y)Annualised 3-year return | +48.1% | +11.5% | +20.7% | -1.2% | +3.7% |
Risk & Volatility
Evenly matched — CSWC and GBLI each lead in 1 of 2 comparable metrics.
Risk & Volatility
GBLI is the less volatile stock with a 0.14 beta — it tends to amplify market swings less than CIA's 1.21 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. CSWC currently trades 98.2% from its 52-week high vs TPVG's 79.5% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | |||||
|---|---|---|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.21x | 0.80x | 0.84x | 0.83x | 0.14x |
| 52-Week HighHighest price in past year | $6.40 | $11.00 | $24.43 | $7.53 | $34.00 |
| 52-Week LowLowest price in past year | $3.25 | $7.70 | $19.37 | $4.48 | $25.63 |
| % of 52W HighCurrent price vs 52-week peak | +88.3% | +90.0% | +98.2% | +79.5% | +80.3% |
| RSI (14)Momentum oscillator 0–100 | 56.6 | 55.5 | 63.7 | 58.3 | 41.5 |
| Avg Volume (50D)Average daily shares traded | 100K | 36K | 664K | 504K | 3K |
Analyst Outlook
Evenly matched — CSWC and TPVG each lead in 1 of 2 comparable metrics.
Analyst Outlook
Analyst consensus: CSWC as "Buy", TPVG as "Hold". Consensus price targets imply 49.4% upside for TPVG (target: $9) vs -34.6% for CIA (target: $4). For income investors, TPVG offers the higher dividend yield at 17.11% vs GBLI's 5.14%.
| Metric | |||||
|---|---|---|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | — | Buy | Hold | — |
| Price TargetConsensus 12-month target | $3.70 | — | $22.50 | $8.95 | — |
| # AnalystsCovering analysts | — | — | 10 | 12 | — |
| Dividend YieldAnnual dividend ÷ price | — | — | +10.2% | +17.1% | +5.1% |
| Dividend StreakConsecutive years of raises | 0 | — | 3 | 0 | 0 |
| Dividend / ShareAnnual DPS | — | — | $2.45 | $1.02 | $1.40 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
TPVG leads in 1 of 6 categories (Income & Cash Flow). SNFCA leads in 1 (Valuation Metrics). 2 tied.
CIA vs SNFCA vs CSWC vs TPVG vs GBLI: Key Questions Answered
10 questions · data-driven answers · updated daily
01Is CIA or SNFCA or CSWC or TPVG or GBLI a better buy right now?
For growth investors, Security National Financial Corporation (SNFCA) is the stronger pick with 42061% revenue growth year-over-year, versus 2.
0% for Global Indemnity Group, LLC (GBLI). TriplePoint Venture Growth BDC Corp. (TPVG) offers the better valuation at 4. 9x trailing P/E (6. 5x forward), making it the more compelling value choice. Analysts rate Capital Southwest Corporation (CSWC) a "Buy" — based on 10 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — CIA or SNFCA or CSWC or TPVG or GBLI?
On trailing P/E, TriplePoint Venture Growth BDC Corp.
(TPVG) is the cheapest at 4. 9x versus Citizens, Inc. at 19. 5x. On forward P/E, TriplePoint Venture Growth BDC Corp. is actually cheaper at 6. 5x.
03Which is the better long-term investment — CIA or SNFCA or CSWC or TPVG or GBLI?
Over the past 5 years, Capital Southwest Corporation (CSWC) delivered a total return of +51.
4%, compared to -13. 5% for TriplePoint Venture Growth BDC Corp. (TPVG). Over 10 years, the gap is even starker: CSWC returned +234. 2% versus CIA's -24. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — CIA or SNFCA or CSWC or TPVG or GBLI?
By beta (market sensitivity over 5 years), Global Indemnity Group, LLC (GBLI) is the lower-risk stock at 0.
14β versus Citizens, Inc. 's 1. 21β — meaning CIA is approximately 778% more volatile than GBLI relative to the S&P 500. On balance sheet safety, Global Indemnity Group, LLC (GBLI) carries a lower debt/equity ratio of 1% versus 133% for TriplePoint Venture Growth BDC Corp. — giving it more financial flexibility in a downturn.
05Which is growing faster — CIA or SNFCA or CSWC or TPVG or GBLI?
By revenue growth (latest reported year), Security National Financial Corporation (SNFCA) is pulling ahead at 42061% versus 2.
0% for Global Indemnity Group, LLC (GBLI). On earnings-per-share growth, the picture is similar: TriplePoint Venture Growth BDC Corp. grew EPS 48. 8% year-over-year, compared to -43. 9% for Global Indemnity Group, LLC. Over a 3-year CAGR, CIA leads at 3. 2% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — CIA or SNFCA or CSWC or TPVG or GBLI?
TriplePoint Venture Growth BDC Corp.
(TPVG) is the more profitable company, earning 50. 6% net margin versus 5. 6% for Global Indemnity Group, LLC — meaning it keeps 50. 6% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: TPVG leads at 77. 9% versus 0. 0% for SNFCA. At the gross margin level — before operating expenses — TPVG leads at 83. 5%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is CIA or SNFCA or CSWC or TPVG or GBLI more undervalued right now?
On forward earnings alone, TriplePoint Venture Growth BDC Corp.
(TPVG) trades at 6. 5x forward P/E versus 18. 9x for Citizens, Inc. — 12. 4x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for TPVG: 49. 4% to $8. 95.
08Which pays a better dividend — CIA or SNFCA or CSWC or TPVG or GBLI?
In this comparison, TPVG (17.
1% yield), CSWC (10. 2% yield), GBLI (5. 1% yield) pay a dividend. CIA, SNFCA do not pay a meaningful dividend and should not be held primarily for income.
09Is CIA or SNFCA or CSWC or TPVG or GBLI better for a retirement portfolio?
For long-horizon retirement investors, Global Indemnity Group, LLC (GBLI) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0.
14), 5. 1% yield). Both have compounded well over 10 years (GBLI: +17. 7%, CIA: -24. 9%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between CIA and SNFCA and CSWC and TPVG and GBLI?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: CIA is a small-cap quality compounder stock; SNFCA is a small-cap high-growth stock; CSWC is a small-cap deep-value stock; TPVG is a small-cap high-growth stock; GBLI is a small-cap deep-value stock. CSWC, TPVG, GBLI pay a dividend while CIA, SNFCA do not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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