CITIZENS INC (CIA) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:CIA - US1747401008 - Common Stock
5.5 USD
+0.02 (+0.36%)
Overall CIA gets a fundamental rating of 3 out of 10. We evaluated CIA against 146 industry peers in the Insurance industry. CIA scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. CIA has a expensive valuation and it also scores bad on growth.
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.
- In the past 5 years CIA always reported a positive cash flow from operatings.
1.2 Ratios
- CIA has a worse Return On Assets (0.62%) than 66.44% of its industry peers.
- Looking at the Return On Equity, with a value of 4.82%, CIA is doing worse than 73.97% of the companies in the same industry.
- The Return On Invested Capital of CIA (0.64%) is worse than 67.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 4.82% | ||
| ROIC | 0.64% |
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- CIA's Profit Margin of 4.40% is on the low side compared to the rest of the industry. CIA is outperformed by 68.49% of its industry peers.
- CIA's Profit Margin has declined in the last couple of years.
- With a Operating Margin value of 5.39%, CIA is not doing good in the industry: 74.66% of the companies in the same industry are doing better.
- In the last couple of years the Operating Margin of CIA has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 5.39% | ||
| PM (TTM) | 4.4% | ||
| GM | N/A |
OM growth 3Y37.44%
OM growth 5Y21.86%
PM growth 3Y-25.45%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- CIA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for CIA has been increased compared to 1 year ago.
- 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.
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/WACC0.07
WACC8.79%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The earnings per share for CIA have decreased strongly by -52.07% in the last year.
- CIA shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -26.17% yearly.
- CIA shows a decrease in Revenue. In the last year, the revenue decreased by -0.55%.
- CIA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.44% yearly.
EPS 1Y (TTM)-52.07%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%-20%
Revenue 1Y (TTM)-0.55%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%1.74%
3.2 Future
- CIA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.00% yearly.
- CIA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.51% yearly.
EPS Next Y-31.25%
EPS Next 2Y-3.18%
EPS Next 3Y4%
EPS Next 5YN/A
Revenue Next Year1.9%
Revenue Next 2Y2.7%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 26.19, the valuation of CIA can be described as expensive.
- Based on the Price/Earnings ratio, CIA is valued a bit more expensive than 75.34% of the companies in the same industry.
- CIA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 27.54, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 18.15, CIA is valued on the expensive side.
- Based on the Price/Forward Earnings ratio, CIA is valued a bit more expensive than 67.12% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.31, CIA is valued a bit cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.19 | ||
| Fwd PE | 18.15 |
4.2 Price Multiples
- CIA's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. CIA is more expensive than 65.07% of the companies in the same industry.
- CIA's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.29 | ||
| EV/EBITDA | 17.46 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-3.18%
EPS Next 3Y4%
5. Dividend
5.1 Amount
- No dividends for CIA!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
NYSE:CIA (1/16/2026, 3:01:12 PM)
5.5
+0.02 (+0.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)03-11 2026-03-11
Inst Owners26.25%
Inst Owner Change0%
Ins Owners2.46%
Ins Owner Change0.12%
Market Cap276.65M
Revenue(TTM)247.02M
Net Income(TTM)10.87M
Analysts84
Price Target6.12 (11.27%)
Short Float %9.84%
Short Ratio39.36
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
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)93.89%
Min EPS beat(2)-33.99%
Max EPS beat(2)221.78%
EPS beat(4)1
Avg EPS beat(4)0.33%
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)0.38%
Min Revenue beat(2)-2.01%
Max Revenue beat(2)2.77%
Revenue beat(4)1
Avg Revenue beat(4)-2.3%
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)20%
PT rev (3m)20%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.07%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.55%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26.19 | ||
| Fwd PE | 18.15 | ||
| P/S | 1.12 | ||
| P/FCF | 14.29 | ||
| P/OCF | 13.97 | ||
| P/B | 1.23 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | 17.46 |
EPS(TTM)0.21
EY3.82%
EPS(NY)0.3
Fwd EY5.51%
FCF(TTM)0.38
FCFY7%
OCF(TTM)0.39
OCFY7.16%
SpS4.91
BVpS4.49
TBVpS4.3
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.6
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 4.82% | ||
| ROCE | 0.8% | ||
| ROIC | 0.64% | ||
| ROICexc | 0.64% | ||
| ROICexgc | 0.66% | ||
| OM | 5.39% | ||
| PM (TTM) | 4.4% | ||
| GM | N/A | ||
| FCFM | 7.84% |
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
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
ROICexgc growth 3Y41.5%
ROICexgc growth 5Y21.27%
ROICexc growth 3Y41.24%
ROICexc growth 5Y21.4%
OM growth 3Y37.44%
OM growth 5Y21.86%
PM growth 3Y-25.45%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.14
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 39.16% | ||
| Cap/Sales | 0.18% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 136.98% | ||
| Profit Quality | 178.07% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score5
WACC8.79%
ROIC/WACC0.07
Cap/Depr(3y)33.56%
Cap/Depr(5y)30.08%
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)-52.07%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%-20%
EPS Next Y-31.25%
EPS Next 2Y-3.18%
EPS Next 3Y4%
EPS Next 5YN/A
Revenue 1Y (TTM)-0.55%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%1.74%
Revenue Next Year1.9%
Revenue Next 2Y2.7%
Revenue Next 3Y3.51%
Revenue Next 5YN/A
EBIT growth 1Y-33.52%
EBIT growth 3Y36.42%
EBIT growth 5Y21.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.02%
FCF growth 3Y-7.51%
FCF growth 5Y-15.3%
OCF growth 1Y-39.24%
OCF growth 3Y-7.63%
OCF growth 5Y-15.06%
CITIZENS INC / CIA FAQ
What is the fundamental rating for CIA stock?
ChartMill assigns a fundamental rating of 3 / 10 to CIA.
What is the valuation status of CITIZENS INC (CIA) stock?
ChartMill assigns a valuation rating of 1 / 10 to CITIZENS INC (CIA). This can be considered as Overvalued.
What is the profitability of CIA stock?
CITIZENS INC (CIA) has a profitability rating of 2 / 10.
Can you provide the expected EPS growth for CIA stock?
The Earnings per Share (EPS) of CITIZENS INC (CIA) is expected to decline by -31.25% in the next year.