Sunday 11 October 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. 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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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | Dec '17 | Dec '16 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
17.25 | 13.37 | 5.55 | 4.01 | 3.66 | 0.00 | 0.00 | 0.00 | 0.00 | 237.59 |
Piotroski F-Score |
6 | 5 | 6 | 4 | 7 | 3 | 4 | 6 | 6 | 7 |
P/S ratio |
0.95 | 0.81 | 0.56 | 0.45 | 1.06 | 1.21 | 1.35 | 1.54 | 1.49 | 2.05 |
P/FCF ratio |
13.81 | 6.38 | 6.25 | 1.84 | 6.72 | 5.94 | 4.73 | 4.48 | 4.11 | 5.03 |
P/Operating CF |
26.63 | 18.42 | 20.44 | 6.08 | 15.90 | 19.49 | 15.91 | 19.43 | 15.59 | 15.21 |
P/B ratio |
1.03 | 0.95 | 0.79 | 0.82 | 0.83 | 0.96 | 1.30 | 2.01 | 1.69 | 2.02 |
Price to Tangible BV |
1.07 | 0.99 | 0.85 | 0.91 | 0.86 | 1.01 | 1.38 | 2.16 | 1.96 | 2.38 |
EV/Sales |
0.86 | 0.69 | 0.45 | 0.35 | 0.95 | 1.07 | 1.17 | 1.36 | 1.31 | 1.91 |
EV/EBITDA |
9.49 | 7.99 | 3.36 | 2.48 | 4.71 | 0.00 | 13.41 | 14.45 | 15.41 | 20.32 |
EV/Operating CF |
12.19 | 5.33 | 4.90 | 1.43 | 5.88 | 5.22 | 4.05 | 3.91 | 3.55 | 4.57 |
EV/FCF |
12.50 | 5.44 | 5.00 | 1.43 | 6.03 | 5.24 | 4.08 | 3.94 | 3.60 | 4.67 |
Quick Ratio |
0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
Current Ratio |
0.03 | 0.04 | 0.03 | 0.03 | 0.03 | 0.04 | 0.05 | 0.05 | 0.05 | 0.04 |
Net Debt/EBITDA |
(0.99) | (1.37) | (0.84) | (0.70) | (0.54) | 33.56 | (2.12) | (1.99) | (2.15) | (1.54) |
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 |
0.15 | 0.15 | 0.15 | 0.14 | 0.14 | 0.13 | 0.15 | 0.15 | 0.16 | 0.16 |
Operating CF/Net income |
1.23 | 2.14 | 0.90 | 2.19 | 0.56 | (4.44) | (52.72) | (7.65) | (2.44) | 51.94 |
Capex/Depreciation |
(0.08) | (0.10) | (0.07) | (0.02) | (0.05) | (0.02) | (0.03) | (0.03) | (0.05) | (0.12) |
| 6.55% | 7.80% | 16.30% | 11.60% | 23.40% | (3.92%) | (0.61%) | (5.38%) | (16.13%) | 0.79% | |
| 0.85% | 0.89% | 1.50% | 1.51% | 3.93% | (0.61%) | (0.08%) | (0.68%) | (2.36%) | 0.13% | |
ROIC |
5.15% | 5.17% | 11.27% | 16.32% | 6.50% | (2.89%) | 1.68% | 0.88% | (1.05%) | 1.60% |
Return on Tangible Assets |
(1.08%) | (1.14%) | (1.80%) | (1.97%) | (5.23%) | 0.82% | 0.11% | 0.88% | 3.16% | (0.17%) |
Average Days of Receivables |
32.68 | 28.02 | 25.48 | 26.67 | 24.84 | 26.07 | 23.82 | 25.41 | 23.81 | 24.86 |
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 |
12.57% | 11.59% | 14.25% | 14.91% | 13.60% | 25.38% | 21.73% | 24.25% | 18.59% | 11.87% |
Intangible Assets out of Total Assets |
0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
1.09% | 0.62% | 0.24% | 0.20% | 0.26% | 0.93% | 0.84% | 0.17% | 0.00% | 0.00% |
Graham Net Nets |
(6.09) | (7.15) | (10.75) | (13.64) | (5.61) | (5.16) | (4.20) | (3.63) | (3.61) | (2.55) |
Graham Number |
5.43 | 5.34 | 6.18 | 5.45 | 14.47 | 0.00 | 0.00 | 0.00 | 0.00 | 2.18 |
Earnings Yield |
5.80% | 7.48% | 18.01% | 24.93% | 27.33% | (3.84%) | (0.44%) | (2.92%) | (10.14%) | 0.42% |
Free Cash Flow Yield |
7.24% | 15.67% | 15.99% | 54.48% | 14.87% | 16.84% | 21.16% | 22.30% | 24.36% | 19.89% |
Revenue per Share |
5.10 | 4.93 | 4.84 | 4.64 | 5.01 | 4.74 | 4.99 | 4.87 | 5.04 | 4.90 |
Operating CF per Share |
0.36 | 0.64 | 0.44 | 1.14 | 0.81 | 0.97 | 1.44 | 1.69 | 1.86 | 2.04 |
Capex per Share |
(0.01) | (0.01) | (0.01) | 0.00 | (0.02) | 0.00 | (0.01) | (0.01) | (0.03) | (0.04) |
Free Cash Flow per Share |
0.35 | 0.63 | 0.43 | 1.13 | 0.79 | 0.96 | 1.43 | 1.68 | 1.83 | 2.00 |
Cash per Share |
0.46 | 0.59 | 0.54 | 0.46 | 0.55 | 0.68 | 0.92 | 0.91 | 0.92 | 0.71 |
Shareholders Equity per Share |
4.69 | 4.23 | 3.46 | 2.55 | 6.42 | 5.97 | 5.17 | 3.75 | 4.46 | 4.97 |
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 |
4.69 | 4.23 | 3.46 | 2.55 | 6.42 | 5.97 | 5.17 | 3.75 | 4.46 | 4.97 |
Free Cash Flow |
17.54 | 31.26 | 21.61 | 56.82 | 39.46 | 48.62 | 71.73 | 83.99 | 91.73 | 100.12 |
Working Capital |
(1,364.91) | (1,322.28) | (1,366.01) | (1,334.64) | (1,405.32) | (1,350.55) | (1,302.96) | (1,261.71) | (1,214.53) | (1,143.58) |
Capital Expenditures |
(0.45) | (0.66) | (0.44) | (0.10) | (0.99) | (0.21) | (0.49) | (0.63) | (1.28) | (2.15) |
Net Current Asset Value |
(1,473.91) | (1,426.89) | (1,453.00) | (1,422.95) | (1,489.60) | (1,491.28) | (1,422.54) | (1,365.35) | (1,358.40) | (1,282.34) |
EV/EBIT |
12.55 | 11.36 | 4.13 | 2.97 | 7.80 | 0.00 | 50.96 | 165.40 | 0.00 | 85.32 |
Capex to Sales |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 |
Price to Operating Income |
13.86 | 13.31 | 5.16 | 3.81 | 8.70 | 0.00 | 59.00 | 188.12 | 0.00 | 91.80 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.57 | 0.60 | 0.51 | 0.42 | 1.43 | 0.69 | 2.72 | 3.52 | 3.69 | 2.22 |
Cash ROIC |
6.80% | 13.04% | 10.85% | 37.69% | 11.34% | 14.51% | 23.44% | 36.01% | 34.03% | 35.18% |
Accounts Receivable Turnover |
12.26 | 13.76 | 14.25 | 13.66 | 14.69 | 14.30 | 15.03 | 14.58 | 15.22 | 15.01 |
Accounts Payable Turnover |
0.15 | 0.14 | 0.13 | 0.12 | 0.12 | 0.14 | 0.14 | 0.14 | 0.17 | 0.18 |
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 |
2,505.08 | 2,488.15 | 2,864.94 | 2,953.83 | 3,065.88 | 2,711.03 | 2,639.90 | 2,679.60 | 2,257.02 | 2,091.15 |
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 |
20.85 | 17.81 | 16.90 | 17.02 | 17.06 | 16.71 | 16.67 | 16.73 | 16.60 | 16.35 |
Average Payables |
1,390.57 | 1,390.08 | 1,392.20 | 1,412.13 | 1,425.70 | 1,383.63 | 1,344.86 | 1,300.64 | 1,236.44 | 1,154.81 |
Average Assets |
1,720.04 | 1,677.13 | 1,629.82 | 1,722.61 | 1,848.97 | 1,794.18 | 1,680.25 | 1,630.01 | 1,614.06 | 1,532.21 |
Average Common Equity |
222.67 | 191.24 | 149.96 | 224.18 | 310.76 | 280.39 | 223.78 | 205.62 | 236.31 | 248.01 |
Columns are period end dates