CITIZENS INC (CIA)
US1747401008 - Common Stock
We assign a fundamental rating of 4 out of 10 to CIA. CIA was compared to 141 industry peers in the Insurance industry. CIA has only an average score on both its financial health and profitability. CIA is valued correctly, but it does not seem to be growing.
1. Profitability
1.1 Basic Checks
In the past year CIA was profitable.
In the past year CIA had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: CIA reported negative net income in multiple years.
In the past 5 years CIA always reported a positive cash flow from operatings.
1.2 Ratios
The Return On Assets of CIA (1.46%) is comparable to the rest of the industry.
The Return On Equity of CIA (14.20%) is better than 70.71% of its industry peers.
With a Return On Invested Capital value of 1.30%, CIA perfoms like the industry average, outperforming 52.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 14.2% | ||
| ROIC | 1.3% |
ROA(3y)1.01%
ROA(5y)0.47%
ROE(3y)6.84%
ROE(5y)3.26%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CIA's Profit Margin of 10.15% is fine compared to the rest of the industry. CIA outperforms 65.00% of its industry peers.
The Operating Margin of CIA (10.88%) is comparable to the rest of the industry.
In the last couple of years the Operating Margin of CIA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 10.88% | ||
| PM (TTM) | 10.15% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5Y67.71%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIA is destroying value.
Compared to 1 year ago, CIA has less shares outstanding
The number of shares outstanding for CIA has been reduced compared to 5 years ago.
There is no outstanding debt for CIA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
CIA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | N/A |
ROIC/WACC0.14
WACC9.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CIA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 465.76%, which is quite impressive.
CIA shows a small growth in Revenue. In the last year, the Revenue has grown by 3.51%.
CIA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.27% yearly.
EPS 1Y (TTM)465.76%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q213.12%
Revenue 1Y (TTM)3.51%
Revenue growth 3Y0.25%
Revenue growth 5Y-0.27%
Revenue growth Q2Q-0.61%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y-35.06%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.19%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 4.40, the valuation of CIA can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of CIA indicates a rather cheap valuation: CIA is cheaper than 82.14% of the companies listed in the same industry.
CIA's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.73.
The Price/Forward Earnings ratio is 6.74, which indicates a rather cheap valuation of CIA.
Based on the Price/Forward Earnings ratio, CIA is valued a bit cheaper than 73.57% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CIA to the average of the S&P500 Index (20.41), we can say CIA is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.4 | ||
| Fwd PE | 6.74 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CIA is valued cheaper than 88.57% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, CIA is valued a bit cheaper than 72.14% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 4.84 | ||
| EV/EBITDA | 2.84 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CIA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CITIZENS INC
NYSE:CIA (5/3/2024, 7:04:00 PM)
2.11
-0.03 (-1.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap104.59M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
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Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
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Revenue beat(16)
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PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.4 | ||
| Fwd PE | 6.74 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.46% | ||
| ROE | 14.2% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 10.88% | ||
| PM (TTM) | 10.15% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)465.76%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y-35.06%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.51%
Revenue growth 3Y0.25%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y