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Monday 2 November 2026
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Citizens, Inc.
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%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
237.59 | 0.00 | 0.00 | 0.00 | 0.00 | 3.66 | 4.01 | 5.55 | 13.37 | 17.25 |
Piotroski F-Score |
7 | 6 | 6 | 4 | 3 | 7 | 4 | 6 | 5 | 6 |
P/S ratio |
2.05 | 1.49 | 1.54 | 1.35 | 1.21 | 1.06 | 0.45 | 0.56 | 0.81 | 0.95 |
P/FCF ratio |
5.03 | 4.11 | 4.48 | 4.73 | 5.94 | 6.72 | 1.84 | 6.25 | 6.38 | 13.81 |
P/Operating CF |
15.21 | 15.59 | 19.43 | 15.91 | 19.49 | 15.90 | 6.08 | 20.44 | 18.42 | 26.63 |
P/B ratio |
2.02 | 1.69 | 2.01 | 1.30 | 0.96 | 0.83 | 0.82 | 0.79 | 0.95 | 1.03 |
Price to Tangible BV |
2.38 | 1.96 | 2.16 | 1.38 | 1.01 | 0.86 | 0.91 | 0.85 | 0.99 | 1.07 |
EV/Sales |
1.91 | 1.31 | 1.36 | 1.17 | 1.07 | 0.95 | 0.35 | 0.45 | 0.69 | 0.86 |
EV/EBITDA |
20.32 | 15.41 | 14.45 | 13.41 | 0.00 | 4.71 | 2.48 | 3.36 | 7.99 | 9.49 |
EV/Operating CF |
4.57 | 3.55 | 3.91 | 4.05 | 5.22 | 5.88 | 1.43 | 4.90 | 5.33 | 12.19 |
EV/FCF |
4.67 | 3.60 | 3.94 | 4.08 | 5.24 | 6.03 | 1.43 | 5.00 | 5.44 | 12.50 |
Quick Ratio |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 |
Current Ratio |
0.04 | 0.05 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.03 |
Net Debt/EBITDA |
(1.54) | (2.15) | (1.99) | (2.12) | 33.56 | (0.54) | (0.70) | (0.84) | (1.37) | (0.99) |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Asset Turnover |
0.16 | 0.16 | 0.15 | 0.15 | 0.13 | 0.14 | 0.14 | 0.15 | 0.15 | 0.15 |
Operating CF/Net income |
51.94 | (2.44) | (7.65) | (52.72) | (4.44) | 0.56 | 2.19 | 0.90 | 2.14 | 1.23 |
Capex/Depreciation |
(0.12) | (0.05) | (0.03) | (0.03) | (0.02) | (0.05) | (0.02) | (0.07) | (0.10) | (0.08) |
| 0.79% | (16.13%) | (5.38%) | (0.61%) | (3.92%) | 23.40% | 11.60% | 16.30% | 7.80% | 6.55% | |
| 0.13% | (2.36%) | (0.68%) | (0.08%) | (0.61%) | 3.93% | 1.51% | 1.50% | 0.89% | 0.85% | |
ROIC |
1.60% | (1.05%) | 0.88% | 1.68% | (2.89%) | 6.50% | 16.32% | 11.27% | 5.17% | 5.15% |
Return on Tangible Assets |
(0.17%) | 3.16% | 0.88% | 0.11% | 0.82% | (5.23%) | (1.97%) | (1.80%) | (1.14%) | (1.08%) |
Average Days of Receivables |
24.86 | 23.81 | 25.41 | 23.82 | 26.07 | 24.84 | 26.67 | 25.48 | 28.02 | 32.68 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
11.87% | 18.59% | 24.25% | 21.73% | 25.38% | 13.60% | 14.91% | 14.25% | 11.59% | 12.57% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 0.17% | 0.84% | 0.93% | 0.26% | 0.20% | 0.24% | 0.62% | 1.09% |
Graham Net Nets |
(2.55) | (3.61) | (3.63) | (4.20) | (5.16) | (5.61) | (13.64) | (10.75) | (7.15) | (6.09) |
Graham Number |
2.18 | 0.00 | 0.00 | 0.00 | 0.00 | 14.47 | 5.45 | 6.18 | 5.34 | 5.43 |
Earnings Yield |
0.42% | (10.14%) | (2.92%) | (0.44%) | (3.84%) | 27.33% | 24.93% | 18.01% | 7.48% | 5.80% |
Free Cash Flow Yield |
19.89% | 24.36% | 22.30% | 21.16% | 16.84% | 14.87% | 54.48% | 15.99% | 15.67% | 7.24% |
Revenue per Share |
4.90 | 5.04 | 4.87 | 4.99 | 4.74 | 5.01 | 4.64 | 4.84 | 4.93 | 5.10 |
Operating CF per Share |
2.04 | 1.86 | 1.69 | 1.44 | 0.97 | 0.81 | 1.14 | 0.44 | 0.64 | 0.36 |
Capex per Share |
(0.04) | (0.03) | (0.01) | (0.01) | 0.00 | (0.02) | 0.00 | (0.01) | (0.01) | (0.01) |
Free Cash Flow per Share |
2.00 | 1.83 | 1.68 | 1.43 | 0.96 | 0.79 | 1.13 | 0.43 | 0.63 | 0.35 |
Cash per Share |
0.71 | 0.92 | 0.91 | 0.92 | 0.68 | 0.55 | 0.46 | 0.54 | 0.59 | 0.46 |
Shareholders Equity per Share |
4.97 | 4.46 | 3.75 | 5.17 | 5.97 | 6.42 | 2.55 | 3.46 | 4.23 | 4.69 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
4.97 | 4.46 | 3.75 | 5.17 | 5.97 | 6.42 | 2.55 | 3.46 | 4.23 | 4.69 |
Free Cash Flow |
100.12 | 91.73 | 83.99 | 71.73 | 48.62 | 39.46 | 56.82 | 21.61 | 31.26 | 17.54 |
Working Capital |
(1,143.58) | (1,214.53) | (1,261.71) | (1,302.96) | (1,350.55) | (1,405.32) | (1,334.64) | (1,366.01) | (1,322.28) | (1,364.91) |
Capital Expenditures |
(2.15) | (1.28) | (0.63) | (0.49) | (0.21) | (0.99) | (0.10) | (0.44) | (0.66) | (0.45) |
Net Current Asset Value |
(1,282.34) | (1,358.40) | (1,365.35) | (1,422.54) | (1,491.28) | (1,489.60) | (1,422.95) | (1,453.00) | (1,426.89) | (1,473.91) |
EV/EBIT |
85.32 | 0.00 | 165.40 | 50.96 | 0.00 | 7.80 | 2.97 | 4.13 | 11.36 | 12.55 |
Capex to Sales |
0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
91.80 | 0.00 | 188.12 | 59.00 | 0.00 | 8.70 | 3.81 | 5.16 | 13.31 | 13.86 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
2.22 | 3.69 | 3.52 | 2.72 | 0.69 | 1.43 | 0.42 | 0.51 | 0.60 | 0.57 |
Cash ROIC |
35.18% | 34.03% | 36.01% | 23.44% | 14.51% | 11.34% | 37.69% | 10.85% | 13.04% | 6.80% |
Accounts Receivable Turnover |
15.01 | 15.22 | 14.58 | 15.03 | 14.30 | 14.69 | 13.66 | 14.25 | 13.76 | 12.26 |
Accounts Payable Turnover |
0.18 | 0.17 | 0.14 | 0.14 | 0.14 | 0.12 | 0.12 | 0.13 | 0.14 | 0.15 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
2,091.15 | 2,257.02 | 2,679.60 | 2,639.90 | 2,711.03 | 3,065.88 | 2,953.83 | 2,864.94 | 2,488.15 | 2,505.08 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Receivables |
16.35 | 16.60 | 16.73 | 16.67 | 16.71 | 17.06 | 17.02 | 16.90 | 17.81 | 20.85 |
Average Payables |
1,154.81 | 1,236.44 | 1,300.64 | 1,344.86 | 1,383.63 | 1,425.70 | 1,412.13 | 1,392.20 | 1,390.08 | 1,390.57 |
Average Assets |
1,532.21 | 1,614.06 | 1,630.01 | 1,680.25 | 1,794.18 | 1,848.97 | 1,722.61 | 1,629.82 | 1,677.13 | 1,720.04 |
Average Common Equity |
248.01 | 236.31 | 205.62 | 223.78 | 280.39 | 310.76 | 224.18 | 149.96 | 191.24 | 222.67 |
Columns are period end dates