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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. In the quarter to June 2026, revenue fell 7.19%, EPS fell 107.7% and free cash flow fell 38.9%, each against the same quarter a year earlier. Revenue growth for three consecutive years; insiders bought in the last twelve months.

3.47 0.06 −1.70%

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Market cap: $178.8M
P/E: 15.8×
Fwd P/E: 17.3×
Dividend yield: —
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	Dec '25
P/E ratio Full definition →	237.59	0.00	0.00	0.00	0.00	3.66	4.01	5.55	13.37	17.25
Piotroski F-Score Full definition →	7	6	6	4	3	7	4	6	5	6
P/S ratio Full definition →	2.05	1.49	1.54	1.35	1.21	1.06	0.45	0.56	0.81	0.95
P/FCF ratio Full definition →	5.03	4.11	4.48	4.73	5.94	6.72	1.84	6.25	6.38	13.81
P/Operating CF Full definition →	15.21	15.59	19.43	15.91	19.49	15.90	6.08	20.44	18.42	26.63
P/B ratio Full definition →	2.02	1.69	2.01	1.30	0.96	0.83	0.82	0.79	0.95	1.03
Price to Tangible BV Full definition →	2.38	1.96	2.16	1.38	1.01	0.86	0.91	0.85	0.99	1.07
EV/Sales Full definition →	1.91	1.31	1.36	1.17	1.07	0.95	0.35	0.45	0.69	0.86
EV/EBITDA Full definition →	20.32	15.41	14.45	13.41	0.00	4.71	2.48	3.36	7.99	9.49
EV/Operating CF Full definition →	4.57	3.55	3.91	4.05	5.22	5.88	1.43	4.90	5.33	12.19
EV/FCF Full definition →	4.67	3.60	3.94	4.08	5.24	6.03	1.43	5.00	5.44	12.50
Quick Ratio Full definition →	0.04	0.05	0.05	0.05	0.04	0.03	0.03	0.03	0.04	0.03
Current Ratio Full definition →	0.04	0.05	0.05	0.05	0.04	0.03	0.03	0.03	0.04	0.03
Net Debt/EBITDA Full definition →	(1.54)	(2.15)	(1.99)	(2.12)	33.56	(0.54)	(0.70)	(0.84)	(1.37)	(0.99)
Debt/Assets Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Debt/Equity Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Asset Turnover Full definition →	0.16	0.16	0.15	0.15	0.13	0.14	0.14	0.15	0.15	0.15
Operating CF/Net income Full definition →	51.94	(2.44)	(7.65)	(52.72)	(4.44)	0.56	2.19	0.90	2.14	1.23
Capex/Depreciation Full definition →	(0.12)	(0.05)	(0.03)	(0.03)	(0.02)	(0.05)	(0.02)	(0.07)	(0.10)	(0.08)
ROE Full definition →	0.79%	(16.13%)	(5.38%)	(0.61%)	(3.92%)	23.40%	11.60%	16.30%	7.80%	6.55%
ROA Full definition →	0.13%	(2.36%)	(0.68%)	(0.08%)	(0.61%)	3.93%	1.51%	1.50%	0.89%	0.85%
ROIC Full definition →	1.60%	(1.05%)	0.88%	1.68%	(2.89%)	6.50%	16.32%	11.27%	5.17%	5.15%
Return on Tangible Assets Full definition →	(0.17%)	3.16%	0.88%	0.11%	0.82%	(5.23%)	(1.97%)	(1.80%)	(1.14%)	(1.08%)
Average Days of Receivables Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	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 Full definition →	0.00%	0.00%	0.17%	0.84%	0.93%	0.26%	0.20%	0.24%	0.62%	1.09%
Graham Net Nets Full definition →	(2.55)	(3.61)	(3.63)	(4.20)	(5.16)	(5.61)	(13.64)	(10.75)	(7.15)	(6.09)
Graham Number Full definition →	2.18	0.00	0.00	0.00	0.00	14.47	5.45	6.18	5.34	5.43
Earnings Yield Full definition →	0.42%	(10.14%)	(2.92%)	(0.44%)	(3.84%)	27.33%	24.93%	18.01%	7.48%	5.80%
Free Cash Flow Yield Full definition →	19.89%	24.36%	22.30%	21.16%	16.84%	14.87%	54.48%	15.99%	15.67%	7.24%
Revenue per Share Full definition →	4.90	5.04	4.87	4.99	4.74	5.01	4.64	4.84	4.93	5.10
Operating CF per Share Full definition →	2.04	1.86	1.69	1.44	0.97	0.81	1.14	0.44	0.64	0.36
Capex per Share Full definition →	(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 Full definition →	2.00	1.83	1.68	1.43	0.96	0.79	1.13	0.43	0.63	0.35
Cash per Share Full definition →	0.71	0.92	0.91	0.92	0.68	0.55	0.46	0.54	0.59	0.46
Shareholders Equity per Share Full definition →	4.97	4.46	3.75	5.17	5.97	6.42	2.55	3.46	4.23	4.69
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	4.97	4.46	3.75	5.17	5.97	6.42	2.55	3.46	4.23	4.69
Free Cash Flow Full definition →	100.12	91.73	83.99	71.73	48.62	39.46	56.82	21.61	31.26	17.54
Working Capital Full definition →	(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 Full definition →	(2.15)	(1.28)	(0.63)	(0.49)	(0.21)	(0.99)	(0.10)	(0.44)	(0.66)	(0.45)
Net Current Asset Value Full definition →	(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 Full definition →	85.32	0.00	165.40	50.96	0.00	7.80	2.97	4.13	11.36	12.55
Capex to Sales Full definition →	0.01	0.01	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Price to Operating Income Full definition →	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 Full definition →	2.22	3.69	3.52	2.72	0.69	1.43	0.42	0.51	0.60	0.57
Cash ROIC Full definition →	35.18%	34.03%	36.01%	23.44%	14.51%	11.34%	37.69%	10.85%	13.04%	6.80%
Accounts Receivable Turnover Full definition →	15.01	15.22	14.58	15.03	14.30	14.69	13.66	14.25	13.76	12.26
Accounts Payable Turnover Full definition →	0.18	0.17	0.14	0.14	0.14	0.12	0.12	0.13	0.14	0.15
Inventory Turnover Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Days of Payables Full definition →	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 Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Average Receivables Full definition →	16.35	16.60	16.73	16.67	16.71	17.06	17.02	16.90	17.81	20.85
Average Payables Full definition →	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 Full definition →	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 Full definition →	248.01	236.31	205.62	223.78	280.39	310.76	224.18	149.96	191.24	222.67

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