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Citizens, Inc. CIA

Financial — Insurance Life
Insider Buys (last 12m)
Insider Buys alert about insiders buying in the last 12 month

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Insider Decisions

Total buys
0.63
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — 3 — 1 — — 4 —
Sell — — — — — — — — — — — —
Insider Ownership
11.56%

Capital & Financial Ratios

Market Cap
176.24
Revenue
255.01
Net Income
11.60
Free Cash Flow
14.97
Net Debt
(16.96)
Current Ratio
0.03
Debt/Equity
0.00
P/E ratio
16.27
P/S ratio
0.71
P/B ratio
0.77
Past 5Y EPS Growth
29.66%
This Y EPS Growth
(35.71%)
Next Y EPS Growth
52.78%
Next 5Y EPS Growth
4.00%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
—
Annual Dividend Yield
—
total individual payouts
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2018 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 27.00 29.27 22.98 16.96
Receivables 16.80 18.81 22.89 25.14
Inventory — — — —
Other — — — —
43.80 48.08 45.86 42.10
2023 2024 2025 Q'26
Payables 1,409.80 1,370.36 1,410.78 1,413.97
ST’ Debt — — — —
Other — — — —
1,409.80 1,370.36 1,410.78 1,413.97
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡ ‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 59.72 60.41 — —
—
’25 55.65 65.09 62.81 72.07
255.62
’24 57.71 62.08 61.73 63.47
245.00
’23 55.91 58.53 59.39 66.85
240.68
’22 55.36 53.73 56.18 67.26
232.52
’21 55.48 63.56 61.58 69.92
250.55
’20 55.72 58.34 59.83 64.97
238.86
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (0.32) 2.05 — —
—
’25 0.75 3.47 4.67 9.10
17.99
’24 6.79 4.59 9.72 10.83
31.92
’23 7.35 4.84 3.25 6.61
22.06
’22 12.14 10.21 17.42 17.16
56.92
’21 1.81 7.17 14.79 16.69
40.46
’20 14.09 14.46 5.46 14.82
48.83
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (0.65) 2.01 — —
—
’25 0.64 3.29 4.61 8.99
17.54
’24 6.73 4.46 9.34 10.72
31.26
’23 7.28 4.83 3.04 6.46
21.61
’22 12.11 10.19 17.39 17.13
56.82
’21 1.79 6.41 14.73 16.53
39.46
’20 14.09 14.43 5.38 14.73
48.62
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.04 (0.01) — —
—
’25 (0.03) 0.13 0.04 0.14
0.28
’24 0.09 0.08 0.05 0.07
0.29
’23 0.10 0.12 0.05 0.21
0.48
’22 (0.03) (0.07) (0.10) 0.07
(0.13)
’21 (0.07) 0.10 (0.06) 0.77
0.73
’20 (0.04) (0.02) (0.16) 0.03
(0.22)

Target Price Range

High
‡‡‡‡‡
‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡

Recommendation Rating

1
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 1.93 1.64 1.78 2.90 — — —
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ 5.49 4.00 5.95 6.36 — — —
High Price
— — — ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 224 232 250 246 — — —
Employees
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.04 1.04 0.98 1.04 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 232.52 240.68 245.00 255.62 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.95% 25.37% 17.95% 19.58% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 27.38 26.17 14.98 17.47 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.77% 10.88% 6.11% 6.83% ‡‡‡ ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 26.01 24.44 14.91 14.59 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.40 6.06 6.33 5.63 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.64 4.84 4.93 5.10 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ (0.13) 0.49 0.30 0.28 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.14 0.44 0.64 0.36 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.00 (0.01) (0.01) (0.01) ‡‡‡ ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.13 0.43 0.63 0.35 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.55 3.46 4.23 4.69 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 50.14 49.70 49.74 50.15 ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ 0.00 5.55 13.37 17.25 ‡‡‡‡ ‡‡‡‡ —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.45 0.56 0.81 0.95 ‡‡‡ ‡‡‡ ‡‡‡
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.82 0.79 0.95 1.03 ‡‡‡ ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.39 0.49 0.73 0.89 ‡‡‡‡ ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.59 5.42 5.73 13.01 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 56.92 22.06 31.92 17.99 ‡‡‡ ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.10) (0.44) (0.66) (0.45) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 56.82 21.61 31.26 17.54 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (1,334.64) (1,366.01) (1,322.28) (1,364.91) — — —
Working Cap'
— — — ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.00 — — — — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (13.97) (27.00) (29.27) (22.98) — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 127.79 172.13 210.36 234.99 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.51% 1.50% 0.89% 0.85% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 15.03% 11.27% 5.17% 5.15% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 11.60% 16.30% 7.80% 6.55% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Citizens, Inc. (CIA), a life insurer targeting underserved Latin American markets, has staged a compelling turnaround from a scandal-plagued past—marked by SEC probes, lawsuits, and a stock crash from double digits to $1.64 lows—to emerging stability under steady leadership. Shares now trade at analyst consensus targets with 0% implied upside, yet aggressive 2025 insider buying by the CEO ($660K total, stake doubled at $3.50-$3.70/share) and GC signals deep conviction amid bottoming prices and returning profitability. Revenue has held steady at $238M-$253M (0.2% 5-year CAGR), with BVPS rebounding 66% to $4.23, positive FCF ($0.63/share), and efficiency soaring (revenue/employee at $980K post-restructuring).

Valuations scream undervaluation: trailing P/E at 13x (vs. peers’ 15-20x), P/S at 0.81x, P/B at 0.95x, and EV/Sales at 0.73x, bolstered by a net cash position ($29M excess) and deleveraging. ROE at 7.8% (2021 peak: 23.4%) and ROIC rebuilding to 5.2% highlight capital efficiency in a rising-rate tailwind for insurers, despite negative working capital typical of the sector.

Analysts forecast revenue CAGR of 12% to $274M by 2027, EPS rising to $0.36 (25% net income CAGR), and BVPS surging 53% to $6.49, with FCF supporting buybacks or dividends. Risks like Latin American geopolitics and margin dips linger, but if Q1 2026 confirms revenue/employee above $1M and ROE over 10%, CIA could rerate 20-30%—echoing its 2021 surge from pariah to contender.

Read full commentary →

Citizens, Inc. (CIA) Latest News

News by impact score

Fine-tune

6 Aug

3 , 4:05 PM
Citizens, Inc. released its second quarter 2026 financial results. Quarterly earnings updates deliver performance metrics that can shift near-term investor sentiment and valuation views.

11 May

3 Simply Wall St., 6:24 AM
Citizens, Inc. (CIA) missed earnings expectations, but analysts updated their models in response. Earnings miss impacts financial performance moderately, offset somewhat by analyst model updates.

7 May

4 TMX Newsfile, 4:05 PM
Citizens, Inc. (CIA) reported first quarter 2026 financial results. Quarterly earnings reports significantly influence financial performance, investor sentiment, and stock trajectory.

2 Apr

4 www.marketbeat.com, 8:02 PM
Citizens, Inc. CEO Stenberg at the Citizens Conference highlighted a strategic pivot to the U.S. market, growth in white-label products, and a major push for product modernization. CEO's emphasis on U.S. pivot, white-label growth, and product modernization signals major strategic initiatives poised to significantly influence future performance and investor sentiment.

12 Mar

4 Zacks, 7:30 PM
Citizens (CIA) Q4 earnings and revenues surpassed analyst estimates. Surpassing Q4 earnings and revenue estimates indicates strong financial performance, likely driving positive investor sentiment and stock price gains.

4 Associated Press Finance, 6:34 PM
Citizens, Inc. (CIA) released its Q4 earnings snapshot. Q4 earnings snapshots disclose key financial metrics like revenue and EPS that significantly impact stock price and investor sentiment.

4 TMX Newsfile, 4:05 PM
Citizens, Inc. (CIA) reported full year and fourth quarter 2025 financial results. Full-year and Q4 financial results directly influence investor sentiment, stock valuation, and the company's strategic trajectory.

2 Dec

3 Newsfile, 9:20 AM
Citizens, Inc. (CIA) has announced its participation in upcoming investor conferences, aiming to engage with investors and provide insights into the company's strategies and performance. The conferences will offer a platform for discussions on the company's future direction and growth opportunities, enhancing investor relations and market visibility. Engagement in investor conferences may moderately influence market sentiment and provide insights into the company's strategic direction.

6 Nov

4 Zacks, 8:00 PM
Citizens, Inc. (CIA) reported better-than-expected earnings and revenue for Q3, surpassing analysts' estimates. The company's performance was driven by strong demand for its insurance products and effective cost management strategies. This positive financial outcome reflects the company's resilience in a challenging market environment and positions it favorably for future growth. Strong Q3 earnings and revenue growth indicate significant potential for future performance and investor sentiment.

4 , 4:05 PM
Citizens, Inc. reported its financial results for the third quarter of 2025, highlighting a notable increase in revenue and net income compared to the previous year. The company attributed this growth to strong performance in its insurance segment and effective cost management strategies. Additionally, Citizens, Inc. announced plans for future investments aimed at expanding its market presence and enhancing product offerings. The management expressed optimism about sustaining this growth trajectory moving forward. The reported financial growth and future investment plans indicate a significant impact on the company's trajectory and market performance.

3 , 6:55 PM
Citizens, Inc. (CIA) reported its Q3 earnings, revealing a net income of $1.5 million, a decrease from $2.1 million in the same quarter last year. The company's total revenue for the quarter was $12 million, down from $14 million year-over-year. The decline in earnings was attributed to lower premium collections and increased policyholder benefits. Despite the challenges, management remains optimistic about future growth opportunities and strategic initiatives aimed at improving operational efficiency. The decline in earnings and revenue indicates potential challenges that may moderately influence financial performance and market sentiment.

31 Oct

4 Simply Wall St., 6:14 AM
Citizens, Inc. (NYSE:CIA) has seen a remarkable 124% increase in stock value over the past three years, reflecting strong investor confidence and positive market performance. The company's strategic initiatives and market positioning have contributed to this significant growth, attracting attention from both current and potential investors. The substantial stock increase indicates significant investor sentiment and market dynamics that could alter the company's trajectory.

16 Oct

3 Newsfile, 4:05 PM
Citizens, Inc. (CIA) has announced its participation in several upcoming investor conferences, aiming to engage with investors and provide insights into the company's strategic direction and performance. The conferences will offer opportunities for management to discuss recent developments and future plans, enhancing transparency and investor relations. Engagement in investor conferences may moderately influence market sentiment and provide insights into the company's strategic direction.

26 Sep

4 NewsfileSmartAssetGOBankingRatesGOBankingRatesYahoo Personal Finance, 9:20 AM
Citizens, Inc. (CIA) has provided a business update highlighting its growth and operational initiatives. The company reported increased revenues and outlined strategic plans aimed at enhancing its market position. Key initiatives include expanding product offerings and improving customer engagement. The update reflects a commitment to innovation and operational efficiency, positioning the company for future growth. The outlined strategic initiatives and growth plans are likely to significantly impact the company's future performance and market positioning.

22 Sep

3 Zacks, 9:36 AM
Citizens, Inc. (CIA) experienced a 5.4% increase in stock price, raising questions about the sustainability of this upward trend. Analysts are evaluating the factors contributing to this rise, including market conditions and company performance. Investors are keen to understand whether this momentum can be maintained in the coming weeks. The stock price increase indicates moderate investor interest, but sustainability remains uncertain.

20 Sep

3 , 9:32 AM
Citizens, Inc. (CIA) has seen a recent increase in its stock price, attributed to its financial performance and strategic initiatives. The company's financials indicate a positive trend, which has garnered investor interest and confidence. Analysts are evaluating whether these financial results will sustain the upward momentum in the stock market, considering the broader economic context and competitive landscape. Recent financial performance may influence investor sentiment and stock trajectory but is balanced by other market factors.

17 Sep

3 Newsfile, 9:20 AM
Citizens, Inc. will host a business update conference call and webcast on September 24, 2025, to discuss recent developments and future strategies. The event aims to provide insights into the company's performance and direction, engaging stakeholders and investors. The conference call is expected to provide moderate insights that could influence investor sentiment and operational strategies.

10 Aug

4 , 8:04 AM
Citizens, Inc. (CIA) reported its second quarter 2025 earnings, surpassing analysts' expectations. The company demonstrated strong financial performance, driven by increased revenue and improved operational efficiency. Key metrics showed growth in both net income and earnings per share, reflecting effective management strategies and a favorable market environment. Investors reacted positively to the results, indicating confidence in the company's future prospects. Strong earnings performance and positive market reaction suggest significant influence on future growth and investor sentiment.

7 Aug

4 Zacks, 8:05 PM
Citizens, Inc. (CIA) reported Q2 earnings that exceeded analysts' expectations, showcasing strong financial performance driven by increased premium collections and improved investment income. The company highlighted its strategic initiatives aimed at enhancing operational efficiency and customer engagement. As a result, shares experienced a positive reaction in the market, reflecting investor confidence in the company's growth trajectory. Strong earnings performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.

4 Associated Press Finance, 7:02 PM
Citizens, Inc. (CIA) reported its Q2 earnings, highlighting a significant increase in revenue compared to the previous year. The company attributed this growth to improved sales strategies and a stronger market presence. Additionally, net income showed a positive trend, reflecting effective cost management and operational efficiencies. Analysts noted that the results exceeded expectations, which may bolster investor confidence moving forward. The significant revenue growth and improved net income are likely to influence investor sentiment and the company's future performance.

4 , 4:05 PM
Citizens, Inc. reported its financial results for the second quarter of 2025, highlighting a significant increase in revenue and net income compared to the same period last year. The company attributed this growth to improved operational efficiencies and a strong demand for its insurance products. Additionally, management provided an optimistic outlook for the remainder of the year, citing ongoing strategic initiatives aimed at expanding market share and enhancing customer engagement. The results reflect a positive trend in the company's performance, positioning it favorably within the industry. The significant increase in revenue and net income, along with an optimistic outlook, indicates a major strategic move that could alter the company's trajectory.

30 Jun

3 , 9:20 AM
Citizens, Inc. has been re-added to the Russell 2000 and Russell 3000 indexes, which is expected to enhance its visibility and attract more institutional investors. This inclusion reflects the company's growth and stability, potentially leading to increased trading volume and investor interest. Inclusion in major indexes typically boosts visibility and can influence stock performance positively, but the overall impact may be limited.

10 May

3 Simply Wall St., 8:35 AM
Citizens, Inc. (NYSE:CIA) reported a net loss of US$1.62 million for Q1 2025, a significant decline from a profit of US$4.54 million in Q1 2024. Revenue fell by 3.6% to US$55.7 million, missing analyst estimates by 5.6%. Earnings per share also fell to a loss of US$0.03, down from a profit of US$0.092 in the previous year. The company's shares have dropped 10% over the past week. Despite the current downturn, revenue is projected to grow by 5.7% annually over the next two years, slightly outpacing the 5.2% growth forecast for the US insurance industry. One warning sign has been identified regarding the company's performance. The significant loss and revenue decline indicate potential challenges, but future growth projections suggest a balanced outlook.

8 May

3 Newsfile, 4:05 PM
Citizens, Inc. reported Q1 2025 total revenues of $55.7 million, down from $57.7 million in Q1 2024, with adjusted total revenues increasing to $58.5 million. The company experienced a $1.8 million loss before federal income tax, compared to a $4.9 million income in the prior year. Despite these challenges, direct first year life and accident & health premiums surged by 49%, and the total direct insurance in force reached a record $5.28 billion. Book value per Class A share rose to $4.37, up 11% year-over-year. The company continues to expand its agent network and product offerings, aiming for long-term growth and value creation for shareholders. Significant growth in premiums and agent network indicates potential for improved financial performance.

25 Apr

3 , 7:00 AM
Citizens, Inc. (NYSE:CIA) shareholders experienced a 17% decline in share price over the past month, despite a remarkable 107% increase over the last year. The company's earnings per share (EPS) fell by 39%, indicating that the market may be focusing on other factors. Revenue remained stable, and recent insider buying is seen as a positive sign. However, the total shareholder return over the past year contrasts with a 4% annual loss over the last five years, raising concerns about the company's long-term trajectory. There is one warning sign to be aware of. The decline in EPS alongside a significant share price increase suggests potential underlying issues that could moderately influence future performance.

16 Apr

3 , 9:20 AM
Citizens, Inc. (CIA) has announced its participation in several upcoming investor conferences, aiming to engage with investors and provide insights into the company's strategies and performance. The conferences will offer opportunities for management to discuss the company's growth prospects and answer questions from attendees. This initiative reflects the company's commitment to transparency and investor relations. Engagement in investor conferences may moderately influence market sentiment and investor relations but is not expected to significantly alter the company's trajectory.

15 Mar

3 Simply Wall St., 8:05 AM
Citizens, Inc. (NYSE:CIA) reported its Full Year 2024 results, revealing revenue of US$245.0 million, a 1.8% increase from FY 2023, but a net income drop of 39% to US$14.9 million. The profit margin fell to 6.1% from 10% due to higher expenses, and EPS decreased to US$0.30 from US$0.49, missing analyst expectations by 9.4%. Despite these challenges, the company's shares rose 6.9% over the past week. A warning sign regarding risks has also been identified. The significant drop in net income and profit margin indicates potential challenges in financial performance.

13 Mar

4 Newsfile, 4:05 PM
Citizens, Inc. reported total revenues of $245.0 million for the full year 2024, a slight increase from $240.7 million in 2023. Adjusted total revenues rose to $247.6 million, driven by a $7.0 million increase in life insurance premiums. However, income before federal income tax decreased to $15.0 million from $26.2 million in 2023. In Q4 2024, total revenues were $63.5 million, down from $66.9 million in Q4 2023, with adjusted revenues increasing to $67.6 million. The company achieved record insurance issuance of over $1.1 billion in 2024, a 54% increase from 2023, and expanded its licensed states to 43. Citizens expects continued growth in sales and profits for 2025 and 2026, supported by its strategic initiatives and market positioning. The company achieved significant growth in insurance issuance and expanded its market presence, indicating a strong strategic direction that could significantly impact future performance.

3 , 6:32 PM
Citizens, Inc. (CIA) reported its Q4 earnings, revealing a net income of $2.5 million, a decrease from $3.1 million in the same quarter last year. Total revenue for the quarter was $12 million, down from $14 million year-over-year. The company attributed the decline to lower premium collections and increased policyholder benefits. Despite the challenges, Citizens remains focused on strategic initiatives to enhance operational efficiency and improve financial performance moving forward. The decline in revenue and net income indicates potential challenges that may moderately affect the company's financial performance and market positioning.

4 Mar

3 Simply Wall St., 6:04 AM
Citizens, Inc. operates in the life insurance sector with a market cap of $240.05 million, generating $189.15 million from life insurance and $58.22 million from home service insurance. The company faces challenges with negative earnings growth and a forecasted decline in earnings by 4.5% annually for the next three years. Despite trading significantly below its estimated fair value and having no debt, Citizens has long-term liabilities exceeding short-term assets by $1.33 billion. Recent executive changes aim to improve operational efficiency and customer experiences. Negative earnings growth and long-term liabilities exceeding short-term assets indicate potential financial challenges.
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