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