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CITIZENS INC (CIA) Stock Fundamental Analysis

NYSE:CIA - New York Stock Exchange, Inc. - US1747401008 - Common Stock - Currency: USD

3.33  0 (0%)

After market: 3.33 0 (0%)

Fundamental Rating

3

Overall CIA gets a fundamental rating of 3 out of 10. We evaluated CIA against 143 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 valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CIA had positive earnings in the past year.
In the past year CIA had a positive cash flow from operations.
In multiple years CIA reported negative net income over the last 5 years.
In the past 5 years CIA always reported a positive cash flow from operatings.
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 0.51% is on the low side compared to the rest of the industry. CIA is outperformed by 69.23% of its industry peers.
CIA's Return On Equity of 4.01% is on the low side compared to the rest of the industry. CIA is outperformed by 75.52% of its industry peers.
Looking at the Return On Invested Capital, with a value of 0.40%, CIA is doing worse than 62.94% of the companies in the same industry.
Industry RankSector Rank
ROA 0.51%
ROE 4.01%
ROIC 0.4%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
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

CIA's Profit Margin of 3.60% is on the low side compared to the rest of the industry. CIA is outperformed by 71.33% of its industry peers.
CIA's Profit Margin has declined in the last couple of years.
The Operating Margin of CIA (3.40%) is worse than 81.12% of its industry peers.
CIA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 3.4%
PM (TTM) 3.6%
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
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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CIA is destroying value.
Compared to 1 year ago, CIA has more 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.
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/WACC0.04
WACC9.64%
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 -64.09% 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 -26.17% on average per year.
The Revenue has been growing slightly by 0.19% in the past year.
CIA shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.44% yearly.
EPS 1Y (TTM)-64.09%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%-136.19%
Revenue 1Y (TTM)0.19%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%-3.57%

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 10.40% yearly.
CIA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.09% yearly.
EPS Next Y-18.75%
EPS Next 2Y10.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year2.13%
Revenue Next 2Y4.09%
Revenue Next 3YN/A
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.
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

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4

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 19.59, CIA is valued on the expensive side.
CIA's Price/Earnings ratio is a bit more expensive when compared to the industry. CIA is more expensive than 65.73% of the companies in the same industry.
CIA's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.32.
Based on the Price/Forward Earnings ratio of 8.45, the valuation of CIA can be described as reasonable.
Based on the Price/Forward Earnings ratio, CIA is valued a bit cheaper than the industry average as 63.64% of the companies are valued more expensively.
CIA is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.19, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 19.59
Fwd PE 8.45
CIA Price Earnings VS Forward Price EarningsCIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

CIA's Enterprise Value to EBITDA ratio is in line with the industry average.
CIA's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CIA is cheaper than 62.94% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.64
EV/EBITDA 15.77
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 2Y10.4%
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 (6/17/2025, 8:04:00 PM)

After market: 3.33 0 (0%)

3.33

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)05-08 2025-05-08/amc
Earnings (Next)08-04 2025-08-04
Inst Owners20.39%
Inst Owner Change20.6%
Ins Owners2.23%
Ins Owner Change5.45%
Market Cap167.00M
Analysts84
Price Target5.61 (68.47%)
Short Float %11.62%
Short Ratio46.83
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)0
Avg EPS beat(2)-93.23%
Min EPS beat(2)-159.41%
Max EPS beat(2)-27.05%
EPS beat(4)1
Avg EPS beat(4)-48.14%
Min EPS beat(4)-159.41%
Max EPS beat(4)32.01%
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)0
Avg Revenue beat(2)-4.98%
Min Revenue beat(2)-6.32%
Max Revenue beat(2)-3.65%
Revenue beat(4)1
Avg Revenue beat(4)-2.12%
Min Revenue beat(4)-6.32%
Max Revenue beat(4)3.76%
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)7.32%
EPS NQ rev (1m)-27.27%
EPS NQ rev (3m)-50%
EPS NY rev (1m)0%
EPS NY rev (3m)-31.58%
Revenue NQ rev (1m)-0.37%
Revenue NQ rev (3m)-3.23%
Revenue NY rev (1m)-0.89%
Revenue NY rev (3m)-1.66%
Valuation
Industry RankSector Rank
PE 19.59
Fwd PE 8.45
P/S 0.69
P/FCF 6.64
P/OCF 6.45
P/B 0.77
P/tB 0.8
EV/EBITDA 15.77
EPS(TTM)0.17
EY5.11%
EPS(NY)0.39
Fwd EY11.83%
FCF(TTM)0.5
FCFY15.07%
OCF(TTM)0.52
OCFY15.5%
SpS4.84
BVpS4.35
TBVpS4.16
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.51%
ROE 4.01%
ROCE 0.51%
ROIC 0.4%
ROICexc 0.41%
ROICexgc 0.42%
OM 3.4%
PM (TTM) 3.6%
GM N/A
FCFM 10.36%
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
ROICexcg growth 3Y41.5%
ROICexcg 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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 61.43%
Cap/Sales 0.29%
Interest Coverage 250
Cash Conversion 274.51%
Profit Quality 287.71%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC9.64%
ROIC/WACC0.04
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)-64.09%
EPS 3Y-26.17%
EPS 5YN/A
EPS Q2Q%-136.19%
EPS Next Y-18.75%
EPS Next 2Y10.4%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.19%
Revenue growth 3Y-0.74%
Revenue growth 5Y-0.44%
Sales Q2Q%-3.57%
Revenue Next Year2.13%
Revenue Next 2Y4.09%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-66.09%
EBIT growth 3Y36.42%
EBIT growth 5Y21.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.6%
FCF growth 3Y-7.51%
FCF growth 5Y-15.3%
OCF growth 1Y-50.36%
OCF growth 3Y-7.63%
OCF growth 5Y-15.06%