CITIZENS INC (CIA) Stock Fundamental Analysis
USA - NYSE:CIA - US1747401008 - Common Stock
5.72 USD
+0.05 (+0.88%)
We assign a fundamental rating of 3 out of 10 to CIA. CIA was compared to 147 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 does not seem to be growing, but still is valued expensively.
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.
Each year in the past 5 years CIA had a positive operating cash flow.
1.2 Ratios
CIA has a Return On Assets of 0.66%. This is in the lower half of the industry: CIA underperforms 65.31% of its industry peers.
CIA has a Return On Equity of 4.91%. This is in the lower half of the industry: CIA underperforms 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 Rank | Sector 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
1.3 Margins
CIA has a worse Profit Margin (4.57%) than 64.63% of its industry peers.
In the last couple of years the Profit Margin of CIA has declined.
The Operating Margin of CIA (4.83%) is worse than 75.51% of its industry peers.
CIA's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector 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
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so CIA is destroying value.
CIA has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, CIA has less shares outstanding
CIA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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
WACC8.66%
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 -47.09% 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 -26.49% yearly.
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.
The Revenue is expected to grow by 3.46% on average over the next years.
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 26.00, CIA can be considered very expensive at the moment.
CIA's Price/Earnings ratio is a bit more expensive when compared to the industry. CIA is 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 26.89.
Based on the Price/Forward Earnings ratio of 14.16, the valuation of CIA can be described as correct.
CIA's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. CIA is more expensive than 60.54% of the companies in the same industry.
CIA's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.99.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26 | ||
| Fwd PE | 14.16 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, CIA is valued a bit more expensive than the industry average as 67.35% of the companies are valued more cheaply.
CIA's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.75 | ||
| EV/EBITDA | 20.17 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y11.8%
EPS Next 3YN/A
5. Dividend
5.1 Amount
CIA does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NYSE:CIA (10/27/2025, 12:15:57 PM)
5.72
+0.05 (+0.88%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners24.41%
Inst Owner Change-0.12%
Ins Owners2.45%
Ins Owner Change2.89%
Market Cap287.43M
Revenue(TTM)245.94M
Net Income(TTM)11.25M
Analysts84
Price Target5.1 (-10.84%)
Short Float %9.67%
Short Ratio31.22
Dividend
| Industry Rank | Sector 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 Rank | Sector Rank | ||
|---|---|---|---|
| PE | 26 | ||
| Fwd PE | 14.16 | ||
| P/S | 1.17 | ||
| P/FCF | 11.75 | ||
| P/OCF | 11.4 | ||
| P/B | 1.25 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | 20.17 |
EPS(TTM)0.22
EY3.85%
EPS(NY)0.4
Fwd EY7.06%
FCF(TTM)0.49
FCFY8.51%
OCF(TTM)0.5
OCFY8.77%
SpS4.89
BVpS4.58
TBVpS4.39
PEG (NY)N/A
PEG (5Y)N/A
Graham Number4.76
Profitability
| Industry Rank | Sector 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
ROICexgc growth 3Y41.56%
ROICexgc 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 Rank | Sector 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%
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 for CIA stock?
ChartMill assigns a valuation rating of 2 / 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 PE and PB ratios for CIA stock?
The Price/Earnings (PE) ratio for CITIZENS INC (CIA) is 26 and the Price/Book (PB) ratio is 1.25.
What is the earnings growth outlook for CITIZENS INC?
The Earnings per Share (EPS) of CITIZENS INC (CIA) is expected to decline by -31.25% in the next year.