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Monday 2 November 2026 Export CIA’s income statement to Excel — free account

Citizens, Inc.

CIA Financial Insurance Life

Citizens, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $255.6 million, up 4.33% from fiscal 2024.

Revenue
−7.19%
EPS
−107.7%
Free cash flow
−38.9%

Quarter to June 2026, against a year earlier

3.73 0.11 +3.04%
Market cap
$183.3M
P/E
17.0×
Fwd P/E
20.1×
Dividend yield
—
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.63
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 3 — 1 — — 4 — — —
Sell — — — — — — — — — — — —
Insider Ownership 11.58%

Capital & Financial Ratios $m

Size
Market Cap 183.33
Revenue ttm 255.01
Net income ttm 11.60
Free cash flow ttm 14.97
Net debt Q (16.96)
Valuation
P/E 16.95
Forward P/E 20.10
Price / sales 0.74
Forward P/S Powerpack
Price / FCF 12.59
Price / book 0.80
Financial health
Current ratio Q 0.03
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −7.19% (below 0%: shrinking)
Operating income growth Q −107.65% (below 0%: shrinking)
EPS, this year −35.71% (below 0%: weak)
EPS, next year A +52.78% (at or above 15%: strong)
Revenue, next year A +0.23%
EPS, past 5 yrs —
EPS, next 5 yrs A +4.00%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 60.10%
10-year low 10-year high
P/S against its own 10 years 21.88%
10-year low 10-year high
P/B against its own 10 years 12.07%
10-year low 10-year high

Dividends

Yield
—
Annual rate
—
Payout ratio
—

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 27 29 23 17
Receivables 17 19 23 25
Inventory — — — —
Other — — — —
44 48 46 42
2023 2024 2025 Q'26
Payables 1,410 1,370 1,411 1,414
ST’ Debt — — — —
Other — — — —
1,410 1,370 1,411 1,414

Compound Annual Growth %

10y 5y 3y
Sales 0.79% 1.37% 3.21%
Cash Flow (14.60%) (18.11%) (31.89%)
Earnings 0.00% 0.00% (17.52%)
Book Value (0.49%) (4.83%) 22.51%

Earnings Trends EPS, adjusted, against the consensus

Q2 FY26 Estimate 0.07 Actual 0.01

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY25 0.06 0.07 Beat by 0.01
Q4 FY25 0.08 0.11 Beat by 0.03
Q1 FY26 0.05 0.03 Miss by 0.02
Q2 FY26 0.07 0.01 Miss by 0.06
Q3 FY26 0.03 — Reports 5 November 2026

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 0.13 0.05 0.07 0.27 0.51
’21 (0.07) 0.10 (0.06) 1.46 1.44
’20 (0.07) (0.02) (0.16) 0.03 (0.22)
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 60 60 — — —
’25 56 65 63 72 256
’24 58 62 62 63 245
’23 56 59 59 67 241
’22 55 54 56 67 233
’21 55 64 62 70 251
’20 56 58 60 65 239
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 0 2 — — —
’25 1 3 5 9 18
’24 7 5 10 11 32
’23 7 5 3 7 22
’22 12 10 17 17 57
’21 2 7 15 17 40
’20 14 14 5 15 49
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (1) 2 — — —
’25 1 3 5 9 18
’24 7 4 9 11 31
’23 7 5 3 6 22
’22 12 10 17 17 57
’21 2 6 15 17 39
’20 14 14 5 15 49
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 245 253 244 251 239 251 233 241 245 256 255 +0.5% 256 267 273 +2.2%
Gross margin, % 14.95 18.25 26.08 24.64 20.99 31.12 26.95 25.37 17.95 19.58 19.17 +4.6 pt
EBT 5 (3) 2 6 (12) 31 27 26 15 17 14 +13.7%
EBT margin, % 2.23 (1.18) 0.82 2.29 (5.16) 12.18 11.77 10.88 6.11 6.83 5.56 +4.6 pt
Net income 2 (38) (11) (1) (11) 73 26 24 15 15 12 +24.9%
Per share, $
Per share, $ Revenue 4.90 5.04 4.87 4.99 4.74 5.01 4.64 4.84 4.93 5.10 5.05 +0.4%
Earnings 0.04 (0.75) (0.22) (0.03) (0.22) 1.45 0.52 0.49 0.30 0.28 0.22 +24.1%
Cash flow 2.04 1.86 1.69 1.44 0.97 0.81 1.14 0.44 0.64 0.36 0.31 (17.6%)
Capex (0.04) (0.03) (0.01) (0.01) 0.00 (0.02) 0.00 (0.01) (0.01) (0.01) (0.01) (16.1%)
Free cash flow 2.00 1.83 1.68 1.43 0.96 0.79 1.13 0.43 0.63 0.35 0.30 (17.6%)
Book value 4.97 4.46 3.75 5.17 5.97 6.42 2.55 3.46 4.23 4.69 4.65 (0.7%)
Shares, m 50 50 50 50 50 50 50 50 50 50 50 0.0%
Valuation, ×
Valuation, × P/E 237.59 0.00 0.00 0.00 0.00 3.66 4.01 5.55 13.37 17.25 16.95 28.1
P/S 2.05 1.49 1.54 1.35 1.21 1.06 0.45 0.56 0.81 0.95 0.74 1.1
P/B 2.02 1.69 2.01 1.30 0.96 0.83 0.82 0.79 0.95 1.03 0.80 1.2
EV/Sales 1.91 1.31 1.36 1.17 1.07 0.95 0.35 0.45 0.69 0.86 — 1.0
EV/FCF 4.67 3.60 3.94 4.08 5.24 6.03 1.43 5.00 5.44 12.50 — 5.2
Cash, $m
Cash, $m Operating cash flow 102 93 85 72 49 40 57 22 32 18 15 (17.6%)
Capex (2) (1) (1) 0 0 (1) 0 0 (1) 0 (1) (16.0%)
Free cash flow 100 92 84 72 49 39 57 22 31 18 15 (17.6%)
Balance, $m
Balance, $m Working capital (1,144) (1,215) (1,262) (1,303) (1,351) (1,405) (1,335) (1,366) (1,322) (1,365) (1,372) +2.0%
Net debt (36) (46) (45) (46) (34) (27) (23) (27) (29) (23) (17) (4.7%)
Shareholders’ equity 249 224 188 260 301 321 128 172 210 235 235 (0.6%)
Returns, %
Returns, % ROA 0.13 (2.36) (0.68) (0.08) (0.61) 3.93 1.51 1.50 0.89 0.85 0.67 +0.7 pt
ROIC 1.60 (1.05) 0.88 1.68 (2.89) 6.50 16.32 11.27 5.17 5.15 4.06 +3.6 pt
ROE 0.79 (16.13) (5.38) (0.61) (3.92) 23.40 11.60 16.30 7.80 6.55 5.00 +5.8 pt
People
People Employees — — — 400 245 215 224 232 250 246 — (7.8%)
Revenue/emp, $m 0.00 0.00 0.00 0.63 0.97 1.17 1.04 1.04 0.98 1.04 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Citizens, Inc. vs peers in Insurance Life (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
LNC Lincoln National Corporation $7.9B 3.5× 4.5× +12.31% (above 0%: growing) +76.55% (above 0%: growing) −155.08% (below 0%: shrinking) 37.98% 37.98% Compare
CNO CNO Financial Group, Inc. $5.3B 19.4× 14.0× +11.61% (above 0%: growing) +45.16% (above 0%: growing) +7.63% (above 0%: growing) 44.06% 16.73% Compare
GNW Genworth Financial, Inc. $3.3B 16.6× 26.2× +5.85% (above 0%: growing) 0.00% +766.67% (above 0%: growing) 30.09% 7.10% Compare
FG F&G Annuities & Life, Inc. $2.8B 7.0× 7.9× +4.18% (above 0%: growing) n/m −8.11% (below 0%: shrinking) 16.89% (3.73%) Compare
BHF Brighthouse Financial, Inc. $2.5B 3.5× 3.4× +86.22% (above 0%: growing) +1,520.59% (above 0%: growing) −43,000.00% (below 0%: shrinking) 115.29% 75.59% Compare
ABX Abacus Global Management, Inc. $828.3M 30.3× — +29.87% (above 0%: growing) −61.11% (below 0%: shrinking) −49.65% (below 0%: shrinking) 87.59% 29.41% Compare
SNFCA Security National Financial Corporation $249.4M 7.2× 6.2× −6.27% (below 0%: shrinking) +6.25% (above 0%: growing) +145.67% (above 0%: growing) 71.03% 15.21% Compare
CIA Citizens, Inc. $183.3M 16.5× 20.1× −7.19% (below 0%: shrinking) n/m −38.92% (below 0%: shrinking) 14.91% (0.88%)
AAME Atlantic American Corporation $21.8M 2.9× — +20.76% (above 0%: growing) +120.00% (above 0%: growing) +11,298.28% (above 0%: growing) 9.92% 2.88% Compare
Median of peers $2.7B 7.1× 7.1× +11.96% +45.16% −0.24% 41.02% 15.97%

All 17 Insurance Life stocks →

Citizens, Inc. (CIA) Latest News

21 Oct

Impact 4 · · MarketBeat

6 Oct

Impact 4 · · TMX Newsfile

6 Aug

Impact 3 ·

11 May

Impact 3 · · Simply Wall St.

7 May

Impact 4 · · TMX Newsfile

2 Apr

Impact 4 · · MarketBeat

12 Mar

Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 · · TMX Newsfile

2 Dec

Impact 3 · · Newsfile

6 Nov

Impact 4 · · Zacks
Impact 4 ·
Impact 3 ·

31 Oct

Impact 4 · · Simply Wall St.

16 Oct

Impact 3 · · Newsfile

26 Sep

Impact 4 ·

22 Sep

Impact 3 · · Zacks

20 Sep

Impact 3 ·

17 Sep

Impact 3 · · Newsfile

10 Aug

Impact 4 ·

7 Aug

Impact 4 · · Zacks
Impact 4 · · Associated Press Finance
Impact 4 ·

30 Jun

Impact 3 ·

10 May

Impact 3 · · Simply Wall St.

8 May

Impact 3 · · Newsfile

25 Apr

Impact 3 ·

16 Apr

Impact 3 ·

15 Mar

Impact 3 · · Simply Wall St.

13 Mar

Impact 3 ·
stockrow.com/CIA · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com