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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
Piotroski F-Score Full definition →	+8 more TTM periods Free account	5	6	7	7
ROE Full definition →		5.02%	6.55%	8.09%	5.00%
ROA Full definition →		0.63%	0.85%	1.07%	0.67%
ROIC Full definition →		4.11%	5.15%	6.14%	4.06%
Return on Tangible Assets Full definition →		(0.81%)	(1.08%)	(1.38%)	(0.85%)
Average Days of Receivables Full definition →		49.16	31.79	33.93	35.99
Free Cash Flow per Share Full definition →		0.38	0.35	0.32	0.30
Free Cash Flow Full definition →		19.27	17.54	16.25	14.97
Capital Expenditures Full definition →		(0.44)	(0.45)	(0.67)	(0.52)
Other line items
Cash ROIC Full definition →		7.75%	6.80%	6.32%	5.94%
Accounts Receivable Turnover Full definition →		9.76	12.45	12.51	11.27
Accounts Payable Turnover Full definition →		0.14	0.15	0.15	0.15
Inventory Turnover Full definition →		0.00	0.00	0.00	0.00
Average Days of Payables Full definition →		2,528.04	2,505.08	2,492.62	2,503.93
Days of Inventory on Hand Full definition →		0.00	0.00	0.00	0.00
Tax Rate Full definition →		(0.18)	(0.16)	(0.15)	(0.18)
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 →		12.06%	12.57%	12.73%	13.37%
Share Based Compensation of Revenue Full definition →		0.89%	1.09%	1.03%	0.78%
Operating CF/Net income Full definition →		1.81	1.23	0.92	1.34
Depreciation/Fixed assets Full definition →		0.62	0.57	0.57	0.58
Capex/Depreciation Full definition →		(0.07)	(0.08)	(0.12)	(0.10)
Revenue per Share Full definition →		4.91	5.10	5.16	5.05
Operating CF per Share Full definition →		0.39	0.36	0.34	0.31
Capex per Share Full definition →		(0.01)	(0.01)	(0.01)	(0.01)
Capex to Sales Full definition →		0.00	0.00	0.00	0.00

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Columns are period end dates

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