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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

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

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Columns are period end dates

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