Explore 3 Stock Ideas & Industry Insights Download Free Report

18889881171
Shopping Cart 0
countryflagUS
Login

Citizens Inc

Financial Services US CIA

5.89USD
0.01(0.17%)

Last update at 2026-06-23T20:10:00Z

Day Range

5.646.00
LowHigh

52 Week Range

3.256.40
LowHigh

Fundamentals

  • Previous Close 5.88
  • Market Cap283.19M
  • Volume72943
  • P/E Ratio20.11
  • Dividend Yield-%
  • EBITDA18.21M
  • Revenue TTM255.62M
  • Revenue Per Share TTM5.10
  • Gross Profit TTM 70.51M
  • Diluted EPS TTM0.28

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 17.47M 14.98M 26.17M -7.06700M -6.68800M
Minority interest - - - - -
Net income 14.59M 14.91M 24.44M -7.49600M -50.16300M
Selling general administrative 53.04M 52.27M 47.13M 45.18M 43.37M
Selling and marketing expenses - - - - -
Gross profit 90.59M 121.72M 240.68M 232.52M 250.55M
Reconciled depreciation 0.74M 0.62M 0.52M 0.54M 1.14M
Ebit 17.47M 14.98M 26.17M -7.06700M 4.44M
Ebitda 18.21M 15.60M 27.29M -6.53100M 5.58M
Depreciation and amortization 0.74M 0.62M 1.12M 0.54M 1.14M
Non operating income net other - - - - -
Operating income 17.47M 14.98M 193.55M -7.06700M 4.44M
Other operating expenses 238.15M 230.02M 47.13M 239.83M 257.05M
Interest expense - - - -0.85800M 0.00000M
Tax provision 2.88M 0.07M 1.74M -0.42900M -43.47500M
Interest income - - - - -
Net interest income - - - - -
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 2.88M 0.07M 1.74M 0.43M 43.48M
Total revenue 255.62M 245.00M 240.68M 232.52M 250.55M
Total operating expenses 73.12M 106.74M 47.13M -239.59100M -246.10200M
Cost of revenue 165.03M 123.28M - - 1.21M
Total other income expense net 7.07M -177.75500M -167.37500M 58.81M -11.13200M
Discontinued operations - - - - -
Net income from continuing ops 14.59M 14.91M 24.44M -6.63800M 36.79M
Net income applicable to common shares 14.59M 14.91M 24.44M -6.63800M 36.79M
Preferred stock and other adjustments - - - - -
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 245.83M 1685.33M 1668.93M 1569.97M 1854.51M
Intangible assets 229.53M 209.08M 185.81M 10.26M 11.55M
Earning assets - - - - -
Other current assets -7.69500M -18.66200M 66.64M 21.69M -1160.92500M
Total liab 10.85M 1474.97M 1496.80M 1568.93M 1533.94M
Total stockholder equity 234.99M 210.35M 172.13M 1.04M 320.57M
Deferred long term liab - - - - 15.46M
Other current liab 37.63M -1.43300M -6.63700M -9.88400M -14.59000M
Common stock 275.48M 272.98M 271.86M 271.33M 268.75M
Capital stock 275.48M 272.98M 271.86M 271.33M 268.75M
Retained earnings 71.65M 57.06M 42.15M -52.20300M -45.56500M
Other liab - - - 1468.91M 1438.62M
Good will - - 1105.68M - 12.62M
Other assets 213.63M 189.18M 42.75M -856.22900M -1160.92500M
Cash 5.66M 29.27M 27.00M 22.97M 27.29M
Cash and equivalents 22.98M 29.27M 27.00M 22.97M 27.29M
Total current liabilities 48.01M 8.82M 10.08M 9.88M 14.59M
Current deferred revenue - - - - -
Net debt 2.21M -21.48200M -26.99700M -22.97300M -27.29400M
Short term debt 1.60M 1.43M 1.50M 0.00000M 0.00000M
Short long term debt - - - - -
Short long term debt total 7.87M 7.79M 9.07M - -
Other stockholder equity -23.72500M -23.72500M -23.72500M -22.80600M -20.10100M
Property plant equipment 9.84M 10.57M 11.81M 12.93M 14.07M
Total current assets 25.56M 29.27M 29.43M 1220.82M 1514.96M
Long term investments 1374.60M 93.34M 1244.26M 1357.91M 1639.36M
Net tangible assets - - - 1.04M 320.57M
Short term investments 16.30M 16.33M 11.02M 1180.86M 1470.62M
Net receivables 11.30M 18.66M 4.33M 16.99M 17.05M
Long term debt - - - - -
Inventory - - -29.42700M - -
Accounts payable 8.77M 8.82M 6.64M 9.88M 14.59M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -88.42100M -95.96500M -118.15500M -195.27900M 117.49M
Additional paid in capital - - - - -
Common stock total equity - - - 271.33M 268.75M
Preferred stock total equity - - - - -
Retained earnings total equity - - - -52.20300M -45.56500M
Treasury stock - - - -22.80600M -20.10100M
Accumulated amortization - - - - -
Non currrent assets other -1643.32300M 1353.64M 1316.65M -1205.37600M -1500.47600M
Deferred long term asset charges - - - - -
Non current assets total 6.64M 1656.05M 1596.75M 1205.38M 1500.48M
Capital lease obligations - - - - -
Long term debt total 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -22.99500M -27.17300M -14.49600M -61.14200M -47.46700M
Change to liabilities - - - 47.01M -10.75300M
Total cashflows from investing activities -19.67200M -27.17300M -14.49600M -60.74200M -41.07700M
Net borrowings - - - - -
Total cash from financing activities -4.60900M -2.47100M -3.53600M -0.49900M -6.21500M
Change to operating activities - - - 46.22M 34.95M
Net income 14.59M 14.91M 24.44M -6.63800M 36.79M
Change in cash -6.29500M 2.27M 4.02M -4.32100M -6.83700M
Begin period cash flow 29.27M 27.00M 22.97M 27.29M 34.13M
End period cash flow 22.98M 29.27M 27.00M 22.97M 27.29M
Total cash from operating activities 17.99M 31.92M 22.06M 56.92M 40.45M
Issuance of capital stock - - - 2.24M 2.25M
Depreciation 0.27M 0.62M 1.12M 0.54M 1.14M
Other cashflows from investing activities -15.52300M 4.15M -14.05400M 0.50M 7.40M
Dividends paid - - - 0.02M -
Change to inventory - - - - -
Change to account receivables -3.51100M -3.40700M 1.13M -0.10200M 0.78M
Sale purchase of stock -0.27800M -0.39300M -0.91900M -2.70500M -9.09000M
Other cashflows from financing activities -4.33100M -2.07800M -2.61700M 0.00800M 0.62M
Change to netincome - - - 10.41M -10.56400M
Capital expenditures 0.45M 0.66M 0.44M 0.10M 1.01M
Change receivables - - - -1.03600M 0.71M
Cash flows other operating - - - 1.42M 16.36M
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - -4.32100M -6.83700M
Change in working capital 14.57M 32.20M 3.71M 45.30M -9.16400M
Stock based compensation 2.77M 1.52M 0.59M 0.46M 0.65M
Other non cash items -14.22000M -15.52800M -8.66100M 17.14M 10.62M
Free cash flow 17.54M 31.25M 21.61M 56.82M 39.45M

Peer Comparison

Sector: Financial Services Industry: Insurance - Life

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CIA
Citizens Inc		 0.01 0.17% 5.89 20.11 18.87 1.11 1.21 1.03
CILJF
China Life Insurance Co Ltd		 - -% 3.87 4.18 5.40 0.44 1.14 1.41
AAGIY
AIA Group Ltd ADR		 -0.13 0.34% 37.78 18.22 13.87 4.28 2.59 2.96
AAIGF
AIA Group Ltd		 - -% 9.69 18.21 13.93 4.20 2.60 2.96
PIAIF
Ping An Insurance		 - -% 6.78 6.87 3.61 0.07 0.60 0.17

Reports Covered

Stock Research & News

View All

Profile

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Citizens Inc

11815 Alterra Parkway, Austin, TX, United States, 78758

Key Executives

Name Title Year Born
Mr. Gerald W. Shields Exec. Vice-Chairman, CEO & Pres 1958
Mr. Jeffery Paul Conklin VP, CFO, Chief Investment Officer & Treasurer 1970
Ms. Sheryl L. Kinlaw VP, Chief Legal Officer & Sec. NA
Mr. Robert McHardy Mauldin III VP & Chief Marketing Officer 1961
Mr. Harvey J. L. Waite VP & Chief Actuary 1960
Mr. W. Scott Buchholtz VP of HR 1972
Mr. Sidney Louis Harp II Exec. VP & Director of Agency 1950
Mr. Larry E. Carson VP of Financial Reporting & Tax 1954
Mr. David Scott Jorgensen CPA Gen. Mang. for International Operations of CICA Life Insurance Company of America 1964
Ms. Charlotte D. Duncan Assistant Sec. 1949

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.