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XNYSCIA
Market cap206mUSD
Jan 14, Last price  
4.14USD
1D
-1.43%
1Q
-19.14%
Jan 2017
-57.84%
Name

Citizens Inc

Chart & Performance

D1W1MN
XNYS:CIA chart
P/E
8.45
P/S
0.86
EPS
0.49
Div Yield, %
0.00%
Shrs. gr., 5y
0.21%
Rev. gr., 5y
-0.27%
Revenues
241m
+3.51%
102,825,678144,315,323158,059,000173,794,000146,673,000188,980,000191,181,000195,013,000202,759,000213,636,000230,225,000236,268,000245,406,000252,627,000244,006,000250,545,000238,856,000250,546,000232,524,000240,680,000
Net income
24m
P
7,731,7397,302,4928,677,00016,557,000-15,707,00017,340,00015,511,0008,375,0004,529,0004,793,000-6,505,000-3,579,0001,969,000-38,127,000-11,062,000-1,370,000-10,988,000-50,163,000-7,496,00024,437,000
CFO
22m
-61.25%
9,468,76634,505,61839,077,00037,917,00046,432,00052,093,00060,539,00064,281,00069,270,00081,414,00097,934,00087,153,000102,271,00093,012,00084,620,00072,223,00048,834,00040,455,00056,920,00022,056,000
Earnings
Mar 12, 2025

Profile

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
URL
https://www.citizensinc.com/
IPO date
Dec 04, 1980
Employees
224
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
240,680
3.51%
232,524
-7.19%
Cost of revenue
47,131
45,177
Unusual Expense (Income)
NOPBT
193,549
187,347
NOPBT Margin
80.42%
80.57%
Operating Taxes
1,737
429
Tax Rate
0.90%
0.23%
NOPAT
191,812
186,918
Net income
24,437
-426.00%
(7,496)
-85.06%
Dividends
(23)
Dividend yield
0.02%
Proceeds from repurchase of equity
(919)
(461)
BB yield
0.67%
0.43%
Debt
Debt current
1,404
Long-term debt
7,574
8,712
Deferred revenue
Other long-term liabilities
1,492,252
6,231
Net debt
(100,002)
(2,386,167)
Cash flow
Cash from operating activities
22,056
56,920
CAPEX
(442)
(100)
Cash from investing activities
(14,496)
(60,742)
Cash from financing activities
(3,536)
(499)
FCF
197,107
183,287
Balance
Cash
25,095
1,203,833
Long term investments
82,481
1,192,450
Excess cash
95,542
2,384,657
Stockholders' equity
195,854
23,849
Invested Capital
1,572,284
1,533,988
ROIC
12.35%
12.38%
ROCE
11.60%
12.00%
EV
Common stock shares outstanding
50,681
50,867
Price
2.69
26.29%
2.13
-59.89%
Market cap
136,332
25.83%
108,347
-59.59%
EV
36,330
(2,277,820)
EBITDA
194,668
187,883
EV/EBITDA
0.19
Interest
858
Interest/NOPBT
0.46%