ABX vs CIA

Abacus Global Management, Inc. vs Citizens, Inc. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — CIA scores higher on quality with 8.9/10 vs ABX's 6.6/10. ABX trades at $8.83 while CIA trades at $5.49. Both analyzed daily using SEC EDGAR data across 13 institutional models.

ABX

Insurance - Life
Abacus Global Management, Inc.
Quality
6.6
out of 10
Value Trap
53
WARN
Price
$8.83
Last close
Models
12/13
Active
VS

CIA

Insurance - Life
Citizens, Inc.
Quality
8.9
out of 10
Value Trap
20
SAFE
Price
$5.49
Last close
Models
10/13
Active
ABX
2 models active
Value Trap 53/100 — caution
CIA
Quality Score 8.9/10 — top tier
Limited to 2/13 visible models

ABX vs CIA — Fair Value Comparison

ABX
$0$3$7$10 Price$8.83 Bayesian …$0.10 (-98.9%) Earnings …$4.27 (-51.6%)
CIA
$0$2$4$6 Price$5.49 Bayesian …$5.04 (-8.1%) Earnings …$2.32 (-57.7%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType ABX Fair ValueABX Upside CIA Fair ValueCIA Upside
Bayesian DCF Intrinsic $0.10 -98.9% $5.04 -8.1%
Earnings Power Value Intrinsic $4.27 -51.6% $2.32 -57.7%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

ABX vs CIA — Which Stock Is More Undervalued in 2026?

CIA scores higher with a 8.9/10 quality rating vs ABX's 6.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do ABX and CIA Valuations Compare?

At $8.83, ABX trades +98.9% above its Bayesian DCF fair value of $0.10, while CIA at $5.49 trades +8.1% above its estimate of $5.04. ABX shows a wider gap between price and intrinsic value.

Quality of Company: ABX vs CIA

ABX earns a Quality of Company score of 6.6/10 compared to CIA's 8.9/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: ABX vs CIA

ABX carries a WARN value trap risk (53/100) while CIA shows SAFE risk (20/100). Stocks with value trap scores above 40 may appear undervalued but face deteriorating fundamentals — declining margins, rising debt, or shrinking revenue can make the apparent discount a trap.

Both in Insurance - Life

Both ABX and CIA operate in Insurance - Life, which has 19 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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