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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

	Older periods	Sep '25	Dec '25	Mar '26	Jun '26
P/E ratio Full definition →	+8 more quarters Free account	25.00	17.25	13.97	26.09
P/S ratio Full definition →		1.07	0.95	0.97	1.14
P/FCF ratio Full definition →		13.69	13.81	15.57	19.38
P/Operating CF Full definition →		56.47	26.63	(783.43)	141.67
P/B ratio Full definition →		1.17	1.03	1.06	1.23
Price to Tangible BV Full definition →		1.22	1.07	1.10	1.28
EV/Sales Full definition →		0.97	0.86	0.90	1.07
EV/EBITDA Full definition →		12.48	9.49	8.64	13.98
EV/Operating CF Full definition →		12.21	12.19	13.87	17.62
EV/FCF Full definition →		12.49	12.50	14.43	18.24
Quick Ratio Full definition →		0.04	0.03	0.03	0.03
Current Ratio Full definition →		0.04	0.03	0.03	0.03
Net Debt/EBITDA Full definition →		(3.93)	(2.50)	(4.99)	(22.70)
Debt/Assets Full definition →		0.00%	0.00%	0.00%	0.00%
Debt/Equity Full definition →		0.00	0.00	0.00	0.00
Asset Turnover Full definition →		0.14	0.15	0.15	0.15
Operating CF/Net income Full definition →		1.93	1.24	(0.14)	(4.82)
Capex/Depreciation Full definition →		(0.04)	(0.08)	(0.24)	(0.03)
Research and Development Expense of Revenue Full definition →		0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →		12.92%	9.97%	15.75%	15.55%
Intangible Assets out of Total Assets Full definition →		0.00	0.00	0.00	0.00
Share Based Compensation of Revenue Full definition →		(0.11%)	1.45%	0.80%	0.88%
Graham Net Nets Full definition →		(5.53)	(6.09)	(5.76)	(5.09)
Graham Number Full definition →		4.61	5.43	6.20	4.80
Earnings Yield Full definition →		4.00%	5.80%	7.16%	3.83%
Free Cash Flow Yield Full definition →		7.30%	7.24%	6.42%	5.16%
Revenue per Share Full definition →		1.25	1.44	1.19	1.20
Operating CF per Share Full definition →		0.09	0.18	(0.01)	0.04
Capex per Share Full definition →		0.00	0.00	(0.01)	0.00
Free Cash Flow per Share Full definition →		0.09	0.18	(0.01)	0.04
Cash per Share Full definition →		0.46	0.46	0.37	0.34
Shareholders Equity per Share Full definition →		4.49	4.69	4.74	4.65
Interest Debt per Share Full definition →		0.00	0.00	0.00	0.00
Book value per Share Full definition →		4.49	4.69	4.74	4.65
Free Cash Flow Full definition →		4.61	8.99	(0.65)	2.01
Working Capital Full definition →		(1,353.01)	(1,365.54)	(1,353.60)	(1,371.87)
Capital Expenditures Full definition →		(0.06)	(0.10)	(0.33)	(0.03)
Net Current Asset Value Full definition →		(1,460.37)	(1,474.54)	(1,458.17)	(1,474.79)
EV/EBIT Full definition →		18.07	12.55	10.84	19.24
Capex to Sales Full definition →		0.00	0.00	0.01	0.00
Price to Operating Income Full definition →		19.81	13.86	11.70	20.44
Other line items
Average Receivables Full definition →		25.32	20.54	20.76	22.63
Average Payables Full definition →		1,420.92	1,390.57	1,391.10	1,395.91
Average Assets Full definition →		1,739.09	1,720.04	1,720.85	1,732.28
Average Common Equity Full definition →		216.59	222.67	228.40	232.10

Fold the line items

Columns are period end dates

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