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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 '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	17.25	13.37	5.55	4.01	3.66	0.00	0.00	0.00	0.00	237.59
Piotroski F-Score Full definition →	6	5	6	4	7	3	4	6	6	7
P/S ratio Full definition →	0.95	0.81	0.56	0.45	1.06	1.21	1.35	1.54	1.49	2.05
P/FCF ratio Full definition →	13.81	6.38	6.25	1.84	6.72	5.94	4.73	4.48	4.11	5.03
P/Operating CF Full definition →	26.63	18.42	20.44	6.08	15.90	19.49	15.91	19.43	15.59	15.21
P/B ratio Full definition →	1.03	0.95	0.79	0.82	0.83	0.96	1.30	2.01	1.69	2.02
Price to Tangible BV Full definition →	1.07	0.99	0.85	0.91	0.86	1.01	1.38	2.16	1.96	2.38
EV/Sales Full definition →	0.86	0.69	0.45	0.35	0.95	1.07	1.17	1.36	1.31	1.91
EV/EBITDA Full definition →	9.49	7.99	3.36	2.48	4.71	0.00	13.41	14.45	15.41	20.32
EV/Operating CF Full definition →	12.19	5.33	4.90	1.43	5.88	5.22	4.05	3.91	3.55	4.57
EV/FCF Full definition →	12.50	5.44	5.00	1.43	6.03	5.24	4.08	3.94	3.60	4.67
Quick Ratio Full definition →	0.03	0.04	0.03	0.03	0.03	0.04	0.05	0.05	0.05	0.04
Current Ratio Full definition →	0.03	0.04	0.03	0.03	0.03	0.04	0.05	0.05	0.05	0.04
Net Debt/EBITDA Full definition →	(0.99)	(1.37)	(0.84)	(0.70)	(0.54)	33.56	(2.12)	(1.99)	(2.15)	(1.54)
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 →	0.15	0.15	0.15	0.14	0.14	0.13	0.15	0.15	0.16	0.16
Operating CF/Net income Full definition →	1.23	2.14	0.90	2.19	0.56	(4.44)	(52.72)	(7.65)	(2.44)	51.94
Capex/Depreciation Full definition →	(0.08)	(0.10)	(0.07)	(0.02)	(0.05)	(0.02)	(0.03)	(0.03)	(0.05)	(0.12)
ROE Full definition →	6.55%	7.80%	16.30%	11.60%	23.40%	(3.92%)	(0.61%)	(5.38%)	(16.13%)	0.79%
ROA Full definition →	0.85%	0.89%	1.50%	1.51%	3.93%	(0.61%)	(0.08%)	(0.68%)	(2.36%)	0.13%
ROIC Full definition →	5.15%	5.17%	11.27%	16.32%	6.50%	(2.89%)	1.68%	0.88%	(1.05%)	1.60%
Return on Tangible Assets Full definition →	(1.08%)	(1.14%)	(1.80%)	(1.97%)	(5.23%)	0.82%	0.11%	0.88%	3.16%	(0.17%)
Average Days of Receivables Full definition →	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 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 →	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 Full definition →	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 Full definition →	1.09%	0.62%	0.24%	0.20%	0.26%	0.93%	0.84%	0.17%	0.00%	0.00%
Graham Net Nets Full definition →	(6.09)	(7.15)	(10.75)	(13.64)	(5.61)	(5.16)	(4.20)	(3.63)	(3.61)	(2.55)
Graham Number Full definition →	5.43	5.34	6.18	5.45	14.47	0.00	0.00	0.00	0.00	2.18
Earnings Yield Full definition →	5.80%	7.48%	18.01%	24.93%	27.33%	(3.84%)	(0.44%)	(2.92%)	(10.14%)	0.42%
Free Cash Flow Yield Full definition →	7.24%	15.67%	15.99%	54.48%	14.87%	16.84%	21.16%	22.30%	24.36%	19.89%
Revenue per Share Full definition →	5.10	4.93	4.84	4.64	5.01	4.74	4.99	4.87	5.04	4.90
Operating CF per Share Full definition →	0.36	0.64	0.44	1.14	0.81	0.97	1.44	1.69	1.86	2.04
Capex per Share Full definition →	(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 Full definition →	0.35	0.63	0.43	1.13	0.79	0.96	1.43	1.68	1.83	2.00
Cash per Share Full definition →	0.46	0.59	0.54	0.46	0.55	0.68	0.92	0.91	0.92	0.71
Shareholders Equity per Share Full definition →	4.69	4.23	3.46	2.55	6.42	5.97	5.17	3.75	4.46	4.97
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 →	4.69	4.23	3.46	2.55	6.42	5.97	5.17	3.75	4.46	4.97
Free Cash Flow Full definition →	17.54	31.26	21.61	56.82	39.46	48.62	71.73	83.99	91.73	100.12
Working Capital Full definition →	(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 Full definition →	(0.45)	(0.66)	(0.44)	(0.10)	(0.99)	(0.21)	(0.49)	(0.63)	(1.28)	(2.15)
Net Current Asset Value Full definition →	(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 Full definition →	12.55	11.36	4.13	2.97	7.80	0.00	50.96	165.40	0.00	85.32
Capex to Sales Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01
Price to Operating Income Full definition →	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 Full definition →	0.57	0.60	0.51	0.42	1.43	0.69	2.72	3.52	3.69	2.22
Cash ROIC Full definition →	6.80%	13.04%	10.85%	37.69%	11.34%	14.51%	23.44%	36.01%	34.03%	35.18%
Accounts Receivable Turnover Full definition →	12.26	13.76	14.25	13.66	14.69	14.30	15.03	14.58	15.22	15.01
Accounts Payable Turnover Full definition →	0.15	0.14	0.13	0.12	0.12	0.14	0.14	0.14	0.17	0.18
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 →	2,505.08	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 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 →	20.85	17.81	16.90	17.02	17.06	16.71	16.67	16.73	16.60	16.35
Average Payables Full definition →	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 Full definition →	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 Full definition →	222.67	191.24	149.96	224.18	310.76	280.39	223.78	205.62	236.31	248.01

Fold the line items

Columns are period end dates

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