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CITIZENS INC (CIA) Stock Fundamental Analysis

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

3.52  -0.01 (-0.28%)

After market: 3.52 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CIA. CIA was compared to 143 industry peers in the Insurance industry. While CIA seems to be doing ok healthwise, there are quite some concerns on its profitability. 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.
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.
Each year in the past 5 years CIA had a positive operating cash flow.
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 has a Return On Assets of 0.51%. This is in the lower half of the industry: CIA underperforms 68.53% of its industry peers.
Looking at the Return On Equity, with a value of 4.01%, CIA is doing worse than 74.83% of the companies in the same industry.
CIA's Return On Invested Capital of 0.40% is on the low side compared to the rest of the industry. CIA is outperformed by 62.94% of its industry peers.
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

The Profit Margin of CIA (3.60%) is worse than 70.63% of its industry peers.
CIA's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 3.40%, CIA is doing worse than 81.12% of the companies in the same industry.
In the last couple of years the Operating Margin of CIA has grown nicely.
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

CIA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, CIA has more shares outstanding
Compared to 5 years ago, CIA has less shares outstanding
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

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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.04
WACC9.5%
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

CIA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -64.09%.
The earnings per share for CIA have been decreasing by -26.17% on average. This is quite bad
The Revenue has been growing slightly by 0.19% in the past year.
Measured over the past years, CIA shows a decrease in Revenue. The Revenue has been decreasing by -0.44% on average per year.
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

The Earnings Per Share is expected to grow by 10.40% on average over the next years. This is quite good.
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

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

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 20.71, the valuation of CIA can be described as rather expensive.
CIA's Price/Earnings ratio is a bit more expensive when compared to the industry. CIA is more expensive than 67.13% of the companies in the same industry.
CIA is valuated rather cheaply when we compare the Price/Earnings ratio to 26.31, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 8.94, the valuation of CIA can be described as very reasonable.
Based on the Price/Forward Earnings ratio, CIA is valued a bit cheaper than 61.54% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CIA to the average of the S&P500 Index (22.13), we can say CIA is valued rather cheaply.
Industry RankSector Rank
PE 20.71
Fwd PE 8.94
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

The rest of the industry has a similar Enterprise Value to EBITDA ratio as CIA.
Based on the Price/Free Cash Flow ratio, CIA is valued a bit cheaper than the industry average as 61.54% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 7.01
EV/EBITDA 16.83
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

CIA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CITIZENS INC

NYSE:CIA (6/13/2025, 8:04:00 PM)

After market: 3.52 0 (0%)

3.52

-0.01 (-0.28%)

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 Cap176.53M
Analysts84
Price Target5.61 (59.38%)
Short Float %11.4%
Short Ratio47.74
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)-38.46%
EPS NQ rev (3m)-50%
EPS NY rev (1m)-14.75%
EPS NY rev (3m)-31.58%
Revenue NQ rev (1m)-0.68%
Revenue NQ rev (3m)-3.23%
Revenue NY rev (1m)-1.6%
Revenue NY rev (3m)-1.66%
Valuation
Industry RankSector Rank
PE 20.71
Fwd PE 8.94
P/S 0.73
P/FCF 7.01
P/OCF 6.82
P/B 0.81
P/tB 0.85
EV/EBITDA 16.83
EPS(TTM)0.17
EY4.83%
EPS(NY)0.39
Fwd EY11.19%
FCF(TTM)0.5
FCFY14.26%
OCF(TTM)0.52
OCFY14.66%
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
WACC9.5%
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%