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Citizens, inc.CIA.US Overview

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CIA Recent Performance

-0.35%

Citizens, inc.

-0.79%

Avg of Sector

-0.21%

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CIA Key Information

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CIA 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.

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CIA FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

CIA Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.29
PE Ratio (TTM)
19.69
Forward PE
18.55
PS Ratio (TTM)
1.12
PB Ratio
1.19
Price-to-FCF
16.38
METRIC
VALUE
vs. INDUSTRY
Gross Margin
38.07%
Net Margin
5.71%
Revenue Growth (YoY)
4.33%
Profit Growth (YoY)
4.54%
3-Year Revenue Growth
2.33%
3-Year Profit Growth
3.69%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
0.29
PE Ratio (TTM)
19.69
Forward PE
18.55
PS Ratio (TTM)
1.12
PB Ratio
1.19
Price-to-FCF
16.38
Gross Margin
38.07%
Net Margin
5.71%
Revenue Growth (YoY)
4.33%
Profit Growth (YoY)
4.54%
3-Year Revenue Growth
2.33%
3-Year Profit Growth
3.69%
  • When is CIA's latest earnings report released?

    The most recent financial report for Citizens, inc. (CIA) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CIA's short-term business performance and financial health. For the latest updates on CIA's earnings releases, visit this page regularly.

  • Where does CIA fall in the P/E River chart?

    According to historical valuation range analysis, Citizens, inc. (CIA)'s current price-to-earnings (P/E) ratio is 16.89, placing it in the Undervalued zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of CIA?

    According to the latest financial report, Citizens, inc. (CIA) reported an Operating Profit of 7.86M with an Operating Margin of 10.91% this period, representing a growth of 111.63% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is CIA's revenue growth?

    In the latest financial report, Citizens, inc. (CIA) announced revenue of 72.07M, with a Year-Over-Year growth rate of 13.54%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much cash does CIA have?

    At the end of the period, Citizens, inc. (CIA) held Total Cash and Cash Equivalents of 23.6M, accounting for 0.01 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does CIA go with three margins increasing?

    In the latest report, Citizens, inc. (CIA) achieved the “three margins increasing” benchmark, with a gross margin of 39%%, operating margin of 10.91%%, and net margin of 10.2%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CIA's profit trajectory and future growth potential.

  • Is CIA's EPS continuing to grow?

    According to the past four quarterly reports, Citizens, inc. (CIA)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 0.15. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of CIA?

    Citizens, inc. (CIA)'s Free Cash Flow (FCF) for the period is 8.99M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 16.16% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of CIA?

    The latest valuation data shows Citizens, inc. (CIA) has a Price-To-Earnings (PE) ratio of 16.89 and a Price/Earnings-To-Growth (PEG) ratio of 0.04. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.