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2.77%
Citizens, inc.
1.79%
Avg of Sector
-0.31%
S&P500

Browsing restrictions can be lifted for a fee.
| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
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.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Citizens, inc. (CIA) covers the period of 2025Q3 and was published on 2025/09/30. 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.
According to historical valuation range analysis, Citizens, inc. (CIA)'s current price-to-earnings (P/E) ratio is 26.6, 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.
According to the latest financial report, Citizens, inc. (CIA) reported an Operating Profit of 4.48M with an Operating Margin of 7.13% this period, representing a growth of 47.48% 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.
In the latest financial report, Citizens, inc. (CIA) announced revenue of 62.81M, with a Year-Over-Year growth rate of 1.74%. 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.
At the end of the period, Citizens, inc. (CIA) held Total Cash and Cash Equivalents of 23.12M, 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.
In the latest report, Citizens, inc. (CIA) achieved the “three margins increasing” benchmark, with a gross margin of 38.8%%, operating margin of 7.13%%, and net margin of 3.8%%. 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.
According to the past four quarterly reports, Citizens, inc. (CIA)'s earnings per share (EPS) shows a declining trend, with the latest EPS at 0.04. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Citizens, inc. (CIA)'s Free Cash Flow (FCF) for the period is 4.61M, calculated as Operating Cash Flow minus Capital Expenditures, representing a fall of 50.63% 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.