Citizens, Inc. (CIA)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 239 | 251 | 233 | 241 | 245 | 256 | 254 | 256 |
| Operating profit | $m | 17 | 14 | ||||||
| Net profit | $m | -11 | 73 | 26 | 24 | 15 | 15 | 12 | 9 |
| EPS reported | $ | 0.29 | 0.23 | ||||||
| Operating cashflow per share | $ | 0.36 | 0.31 | ||||||
| Capex per share | $ | 0.01 | 0.01 | ||||||
| FCF per share | $ | 0.35 | 0.30 | ||||||
| Free cash flow | $m | 18 | 15 | ||||||
| Net debt | $m | -50 | -32 | ||||||
| Book value equity | $m | 235 | 235 | ||||||
| Book value per share | $ | 4.61 | 4.61 | ||||||
| Number of shares | m | 50.99 | 50.99 | ||||||
| DPS (TTM paid) | $ | 0.00 | 0.00 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 16.66 | 15.48 | ||||||
| P/B LTM | x | 1.03 | 1.03 | ||||||
| P/S LTM | x | 0.95 | 0.95 | ||||||
| P/FCF LTM | x | 13.80 | 16.17 | ||||||
| EV/EBITDA LTM | x | 12.11 | 14.87 | ||||||
| EV/Sales LTM | x | 0.86 | 0.73 | ||||||
| Earnings Yield LTM | % | +6.00% | +6.46% | ||||||
| FCF Yield | % | +7.25% | +6.18% | ||||||
| Quality | |||||||||
| ROE | % | +6.21% | +4.96% | ||||||
| ROIC | % | +0.85% | +0.68% | ||||||
| Operating margin | % | +6.83% | +5.60% | ||||||
| Gross margin | % | +35.44% | +33.39% | ||||||
| FCF/Sales | % | +6.86% | +5.90% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | 0.00% | -20.69% | ||||||
| Sales Growth YoY | % | +4.33% | +3.47% | ||||||
| Net Income Growth YoY | % | -2.15% | -22.22% | ||||||
| FCF Growth | % | -43.88% | -52.11% | ||||||
| Operating Profit Growth | % | +16.62% | -5.29% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 0.00% | 0.00% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | 0.00% | 0.00% | ||||||
| FCF/Debt | x | - | - | ||||||
| Net Debt/EBITDA | x | -1.18 | -1.04 | ||||||
| EBIT/Net interest | x | 0.00 | 0.00 | ||||||
| Net debt/market cap | % | 0.00% | 0.00% | ||||||
| Net debt/Equity | x | -0.21 | -0.14 | ||||||
| Gross debt/equity | x | 0.00 | 0.00 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.
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