CA
NZ
UK
AU
IND
US
…
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.
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
A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
| 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 | -7.07M | -6.69M |
| Net income | 14.59M | 14.91M | 24.44M | -7.50M | -50.16M |
| Selling general administrative | 53.04M | 52.27M | 47.13M | 45.18M | 43.37M |
| 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 | -7.07M | 4.44M |
| Ebitda | 18.21M | 15.60M | 27.29M | -6.53M | 5.58M |
| Depreciation and amortization | 0.74M | 0.62M | 1.12M | 0.54M | 1.14M |
| Operating income | 17.47M | 14.98M | 193.55M | -7.07M | 4.44M |
| Other operating expenses | 238.15M | 230.02M | 47.13M | 239.83M | 257.05M |
| Interest expense | - | - | - | -0.86M | 0.00M |
| Tax provision | 2.88M | 0.07M | 1.74M | -0.43M | -43.48M |
| 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 | -239.59M | -246.10M |
| Cost of revenue | 165.03M | 123.28M | - | - | 1.21M |
| Total other income expense net | 7.07M | -177.75M | -167.38M | 58.81M | -11.13M |
| Net income from continuing ops | 14.59M | 14.91M | 24.44M | -6.64M | 36.79M |
| Net income applicable to common shares | 14.59M | 14.91M | 24.44M | -6.64M | 36.79M |
| 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 |
| Other current assets | -7.70M | -18.66M | 66.64M | 21.69M | -1160.92M |
| 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 | -1.43M | -6.64M | -9.88M | -14.59M |
| 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 | -52.20M | -45.56M |
| Other liab | - | - | - | 1468.91M | 1438.62M |
| Good will | - | - | 1105.68M | - | 12.62M |
| Other assets | 213.63M | 189.18M | 42.75M | -856.23M | -1160.92M |
| 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 |
| Net debt | 2.21M | -21.48M | -27.00M | -22.97M | -27.29M |
| Short term debt | 1.60M | 1.43M | 1.50M | 0.00M | 0.00M |
| Short long term debt total | 7.87M | 7.79M | 9.07M | - | - |
| Other stockholder equity | -23.73M | -23.73M | -23.73M | -22.81M | -20.10M |
| 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 |
| Inventory | - | - | -29.43M | - | - |
| Accounts payable | 8.77M | 8.82M | 6.64M | 9.88M | 14.59M |
| Accumulated other comprehensive income | -88.42M | -95.97M | -118.16M | -195.28M | 117.49M |
| Common stock total equity | - | - | - | 271.33M | 268.75M |
| Retained earnings total equity | - | - | - | -52.20M | -45.56M |
| Treasury stock | - | - | - | -22.81M | -20.10M |
| Non currrent assets other | -1643.32M | 1353.64M | 1316.65M | -1205.38M | -1500.48M |
| Non current assets total | 6.64M | 1656.05M | 1596.75M | 1205.38M | 1500.48M |
| Long term debt total | 0.00M | 0.00M | 0.00M | 0.00M | 0.00M |
| 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 | -23.00M | -27.17M | -14.50M | -61.14M | -47.47M |
| Change to liabilities | - | - | - | 47.01M | -10.75M |
| Total cashflows from investing activities | -19.67M | -27.17M | -14.50M | -60.74M | -41.08M |
| Total cash from financing activities | -4.61M | -2.47M | -3.54M | -0.50M | -6.21M |
| Change to operating activities | - | - | - | 46.22M | 34.95M |
| Net income | 14.59M | 14.91M | 24.44M | -6.64M | 36.79M |
| Change in cash | -6.29M | 2.27M | 4.02M | -4.32M | -6.84M |
| 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 | -15.52M | 4.15M | -14.05M | 0.50M | 7.40M |
| Dividends paid | - | - | - | 0.02M | - |
| Change to account receivables | -3.51M | -3.41M | 1.13M | -0.10M | 0.78M |
| Sale purchase of stock | -0.28M | -0.39M | -0.92M | -2.71M | -9.09M |
| Other cashflows from financing activities | -4.33M | -2.08M | -2.62M | 0.01M | 0.62M |
| Change to netincome | - | - | - | 10.41M | -10.56M |
| Capital expenditures | 0.45M | 0.66M | 0.44M | 0.10M | 1.01M |
| Change receivables | - | - | - | -1.04M | 0.71M |
| Cash flows other operating | - | - | - | 1.42M | 16.36M |
| Cash and cash equivalents changes | - | - | - | -4.32M | -6.84M |
| Change in working capital | 14.57M | 32.20M | 3.71M | 45.30M | -9.16M |
| Stock based compensation | 2.77M | 1.52M | 0.59M | 0.46M | 0.65M |
| Other non cash items | -14.22M | -15.53M | -8.66M | 17.14M | 10.62M |
| Free cash flow | 17.54M | 31.25M | 21.61M | 56.82M | 39.45M |
Sector: Financial Services Industry: Insurance - Life
|
Stock Name
|
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 |
0.11 3.04% |
3.73 | 16.05 | 17.24 | 0.70 | 0.78 | 0.66 |
| PIAIF Ping An Insurance |
- -% |
5.96 | 5.78 | 5.15 | 0.13 | 0.85 | 1.31 |
| CILJF China Life Insurance Co Ltd |
-0.08 2.55% |
3.06 | 2.96 | 5.06 | 0.23 | 1.11 | 1.10 |
| AAGIY AIA Group Ltd ADR |
0.20 0.52% |
38.84 | 12.84 | 11.34 | 3.88 | 2.47 | 2.22 |
| AAIGF AIA Group Ltd |
0.00 0.04% |
9.46 | 12.45 | 10.93 | 3.86 | 2.38 | 2.21 |
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.
11815 Alterra Parkway, Austin, TX, United States, 78758
512 837 7100
243
| 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.
Download a free report with stock ideas and industry insights for general information.
Download Free Report Now →
Basic Materials
+0.38%
Communication Services
+0.47%
Consumer Cyclical
+1.35%
Consumer Defensive
+0.87%
Energy
-2.31%
Financial Services
+1.00%
Financials
+0.52%
Healthcare
-0.64%
Industrials
+0.62%
Real Estate
+0.65%
Technology
-0.08%
Utilities
+0.01%
Note: Daily price change (%) by sector excluding stocks with +/-90% daily price change. Companies above $500 million market capitalization are considered.
Portfolio
Watchlist
Please wait processing your request...