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CITIZENS INC (CIA) Stock Fundamental Analysis

USA - NYSE:CIA - US1747401008 - Common Stock

5.93 USD
+0.15 (+2.6%)
Last: 10/20/2025, 11:48:40 AM
Fundamental Rating

3

Taking everything into account, CIA scores 3 out of 10 in our fundamental rating. CIA was compared to 147 industry peers in the Insurance industry. While CIA seems to be doing ok healthwise, there are quite some concerns on its profitability. CIA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year CIA was profitable.
CIA had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: CIA reported negative net income in multiple years.
CIA had a positive operating cash flow in each of the past 5 years.
CIA Yearly Net Income VS EBIT VS OCF VS FCFCIA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

CIA's Return On Assets of 0.66% is on the low side compared to the rest of the industry. CIA is outperformed by 65.31% of its industry peers.
The Return On Equity of CIA (4.91%) is worse than 73.47% of its industry peers.
The Return On Invested Capital of CIA (0.58%) is worse than 63.95% of its industry peers.
Industry RankSector Rank
ROA 0.66%
ROE 4.91%
ROIC 0.58%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.31%
ROE(5y)4.75%
ROIC(3y)N/A
ROIC(5y)N/A
CIA Yearly ROA, ROE, ROICCIA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

Looking at the Profit Margin, with a value of 4.57%, CIA is doing worse than 64.63% of the companies in the same industry.
In the last couple of years the Profit Margin of CIA has declined.
CIA's Operating Margin of 4.83% is on the low side compared to the rest of the industry. CIA is outperformed by 75.51% of its industry peers.
CIA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 4.83%
PM (TTM) 4.57%
GM N/A
OM growth 3Y37.5%
OM growth 5Y21.89%
PM growth 3Y-25.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CIA Yearly Profit, Operating, Gross MarginsCIA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 -15

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4

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 about the same amount of shares outstanding.
CIA has less shares outstanding than it did 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.
CIA Yearly Shares OutstandingCIA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CIA Yearly Total Debt VS Total AssetsCIA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.07
WACC8.66%
CIA Yearly LT Debt VS Equity VS FCFCIA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIA Yearly Current Assets VS Current LiabilitesCIA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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3

3. Growth

3.1 Past

The earnings per share for CIA have decreased strongly by -47.09% in the last year.
Measured over the past years, CIA shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -26.49% on average per year.
CIA shows a decrease in Revenue. In the last year, the revenue decreased by -0.04%.
The Revenue has been decreasing by -0.44% on average over the past years.
EPS 1Y (TTM)-47.09%
EPS 3Y-26.49%
EPS 5YN/A
EPS Q2Q%62.5%
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%4.84%

3.2 Future

CIA is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 11.80% yearly.
Based on estimates for the next years, CIA will show a small growth in Revenue. The Revenue will grow by 3.46% on average per year.
EPS Next Y-31.25%
EPS Next 2Y11.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.46%
Revenue Next 2Y3.46%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
CIA Yearly Revenue VS EstimatesCIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CIA Yearly EPS VS EstimatesCIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.1 0.2 0.3 0.4

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 26.95, which means the current valuation is very expensive for CIA.
Based on the Price/Earnings ratio, CIA is valued a bit more expensive than 76.87% of the companies in the same industry.
CIA's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.42.
With a Price/Forward Earnings ratio of 14.68, CIA is valued correctly.
60.54% of the companies in the same industry are cheaper than CIA, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 22.94. CIA is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 26.95
Fwd PE 14.68
CIA Price Earnings VS Forward Price EarningsCIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, CIA is valued a bit more expensive than the industry average as 68.03% of the companies are valued more cheaply.
CIA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 12.18
EV/EBITDA 20.6
CIA Per share dataCIA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.8%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for CIA!.
Industry RankSector Rank
Dividend Yield N/A

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CITIZENS INC

NYSE:CIA (10/20/2025, 11:48:40 AM)

5.93

+0.15 (+2.6%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07 2025-08-07/amc
Earnings (Next)11-05 2025-11-05
Inst Owners24.41%
Inst Owner Change-0.12%
Ins Owners2.45%
Ins Owner Change2.89%
Market Cap297.98M
Analysts84
Price Target5.1 (-14%)
Short Float %10.33%
Short Ratio26.91
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)31.19%
Min EPS beat(2)-159.41%
Max EPS beat(2)221.78%
EPS beat(4)1
Avg EPS beat(4)-0.7%
Min EPS beat(4)-159.41%
Max EPS beat(4)221.78%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.78%
Min Revenue beat(2)-6.32%
Max Revenue beat(2)2.77%
Revenue beat(4)1
Avg Revenue beat(4)-2.37%
Min Revenue beat(4)-6.32%
Max Revenue beat(4)2.77%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-9.09%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-33.33%
EPS NY rev (1m)0%
EPS NY rev (3m)2.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.4%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.33%
Valuation
Industry RankSector Rank
PE 26.95
Fwd PE 14.68
P/S 1.21
P/FCF 12.18
P/OCF 11.82
P/B 1.3
P/tB 1.35
EV/EBITDA 20.6
EPS(TTM)0.22
EY3.71%
EPS(NY)0.4
Fwd EY6.81%
FCF(TTM)0.49
FCFY8.21%
OCF(TTM)0.5
OCFY8.46%
SpS4.89
BVpS4.58
TBVpS4.39
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.66%
ROE 4.91%
ROCE 0.73%
ROIC 0.58%
ROICexc 0.58%
ROICexgc 0.6%
OM 4.83%
PM (TTM) 4.57%
GM N/A
FCFM 9.95%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.31%
ROE(5y)4.75%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y41.56%
ROICexcg growth 5Y21.3%
ROICexc growth 3Y41.3%
ROICexc growth 5Y21.43%
OM growth 3Y37.5%
OM growth 5Y21.89%
PM growth 3Y-25.3%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 66.96%
Cap/Sales 0.3%
Interest Coverage 250
Cash Conversion 194%
Profit Quality 217.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC8.66%
ROIC/WACC0.07
Cap/Depr(3y)33.35%
Cap/Depr(5y)29.95%
Cap/Sales(3y)0.17%
Cap/Sales(5y)0.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-47.09%
EPS 3Y-26.49%
EPS 5YN/A
EPS Q2Q%62.5%
EPS Next Y-31.25%
EPS Next 2Y11.8%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-0.04%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%4.84%
Revenue Next Year2.46%
Revenue Next 2Y3.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-45.1%
EBIT growth 3Y36.48%
EBIT growth 5Y21.35%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-47.53%
FCF growth 3Y-7.42%
FCF growth 5Y-15.25%
OCF growth 1Y-46.08%
OCF growth 3Y-7.55%
OCF growth 5Y-15.02%