Sunday 11 October 2026 Export all CIA data to Excel Powerpack

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

Insider Decisions trades per month

Total buys 0.63

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	3	—	1	—	—	4	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 11.56%

Capital & Financial Ratios $m

Market Cap 178.77

Revenue 255.01

Net Income 11.60

Free Cash Flow 14.97

Net Debt (16.96)

Current Ratio 0.03

Debt/Equity 0.00

P/E ratio 15.77

Fwd P/E 17.30

P/S ratio 0.69

P/B ratio 0.75

Past 5Y EPS Growth —

This Y EPS Growth (35.71%)

Next Y EPS Growth 52.78%

Next Y revenue growth 0.23%

Next 5Y EPS Growth 4.00%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 56.18%

10-year low 10-year high

P/S against its own 10 years 18.13%

10-year low 10-year high

P/B against its own 10 years 7.64%

10-year low 10-year high

Dividends

Payout Ratio —

Annual Dividend Rate —

Annual Dividend Yield —

	total	individual payouts
2022	Powerpack
2021	Powerpack
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	27	29	23	17
Receivables	17	19	23	25
Inventory	—	—	—	—
Other	—	—	—	—
	44	48	46	42

	2023	2024	2025	Q'26
Payables	1,410	1,370	1,411	1,414
ST’ Debt	—	—	—	—
Other	—	—	—	—
	1,410	1,370	1,411	1,414

Compound Annual Growth %

	10y	5y	3y
Sales	0.79%	1.37%	3.21%
Cash Flow	(14.60%)	(18.11%)	(31.89%)
Earnings	0.00%	0.00%	(17.52%)
Book Value	(0.49%)	(4.83%)	22.51%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	60	60	—	—	—
’25	56	65	63	72	256
’24	58	62	62	63	245
’23	56	59	59	67	241
’22	55	54	56	67	233
’21	55	64	62	70	251
’20	56	58	60	65	239

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	0	2	—	—	—
’25	1	3	5	9	18
’24	7	5	10	11	32
’23	7	5	3	7	22
’22	12	10	17	17	57
’21	2	7	15	17	40
’20	14	14	5	15	49

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(1)	2	—	—	—
’25	1	3	5	9	18
’24	7	4	9	11	31
’23	7	5	3	6	22
’22	12	10	17	17	57
’21	2	6	15	17	39
’20	14	14	5	15	49

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	0.04	(0.01)	—	—	—
’25	(0.03)	0.13	0.04	0.14	0.28
’24	0.09	0.08	0.05	0.07	0.29
’23	0.10	0.12	0.05	0.21	0.48
’22	0.13	0.05	0.07	0.27	0.51
’21	(0.07)	0.10	(0.06)	1.46	1.44
’20	(0.07)	(0.02)	(0.16)	0.03	(0.22)

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	6.10	5.86	6.67	6.08	3.55	4.81	1.93	1.64	1.78	2.90	Analyst estimates 2026–2028 Powerpack
	High	11.93	10.86	8.80	7.80	7.02	7.06	5.49	4.00	5.95	6.36
People
People	Employees	—	—	—	400	245	215	224	232	250	246
	Revenue/emp, $m	0.00	0.00	0.00	0.63	0.97	1.17	1.04	1.04	0.98	1.04
Income, $m
Income, $m	Revenue	245	253	244	251	239	251	233	241	245	256
	Gross margin, %	14.95	18.25	26.08	24.64	20.99	31.12	26.95	25.37	17.95	19.58
	EBT	5	(3)	2	6	(12)	31	27	26	15	17
	EBT margin, %	2.23	(1.18)	0.82	2.29	(5.16)	12.18	11.77	10.88	6.11	6.83
	Net income	2	(38)	(11)	(1)	(11)	73	26	24	15	15
	Depreciation	18	24	21	16	11	20	5	6	6	6
Per share, $
Per share, $	Revenue	4.90	5.04	4.87	4.99	4.74	5.01	4.64	4.84	4.93	5.10
	Earnings	0.04	(0.75)	(0.22)	(0.03)	(0.22)	1.45	0.52	0.49	0.30	0.28
	Cash flow	2.04	1.86	1.69	1.44	0.97	0.81	1.14	0.44	0.64	0.36
	Capex	(0.04)	(0.03)	(0.01)	(0.01)	0.00	(0.02)	0.00	(0.01)	(0.01)	(0.01)
	Free cash flow	2.00	1.83	1.68	1.43	0.96	0.79	1.13	0.43	0.63	0.35
	Book value	4.97	4.46	3.75	5.17	5.97	6.42	2.55	3.46	4.23	4.69
	Shares, m	50	50	50	50	50	50	50	50	50	50
Valuation, ×
Valuation, ×	P/E	237.59	0.00	0.00	0.00	0.00	3.66	4.01	5.55	13.37	17.25
	P/S	2.05	1.49	1.54	1.35	1.21	1.06	0.45	0.56	0.81	0.95
	P/B	2.02	1.69	2.01	1.30	0.96	0.83	0.82	0.79	0.95	1.03
	EV/Sales	1.91	1.31	1.36	1.17	1.07	0.95	0.35	0.45	0.69	0.86
	EV/FCF	4.67	3.60	3.94	4.08	5.24	6.03	1.43	5.00	5.44	12.50
Cash, $m
Cash, $m	Operating cash flow	102	93	85	72	49	40	57	22	32	18
	Capex	(2)	(1)	(1)	0	0	(1)	0	0	(1)	0
	Free cash flow	100	92	84	72	49	39	57	22	31	18
Balance, $m
Balance, $m	Working capital	(1,144)	(1,215)	(1,262)	(1,303)	(1,351)	(1,405)	(1,335)	(1,366)	(1,322)	(1,365)
	Total debt	—	—	—	0	11	10	9	—	—	—
	Net debt	(36)	(46)	(45)	(46)	(34)	(27)	(23)	(27)	(29)	(23)
	Shareholders’ equity	249	224	188	260	301	321	128	172	210	235
Returns, %
Returns, %	ROA	0.13	(2.36)	(0.68)	(0.08)	(0.61)	3.93	1.51	1.50	0.89	0.85
	ROIC	1.60	(1.05)	0.88	1.68	(2.89)	6.50	16.32	11.27	5.17	5.15
	ROE	0.79	(16.13)	(5.38)	(0.61)	(3.92)	23.40	11.60	16.30	7.80	6.55

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
LNC Lincoln National Corporation	$7.9B	3.4×	7.0×	+12.31% (above 0%: growing)	+76.55% (above 0%: growing)	−155.08% (below 0%: shrinking)	37.98%	37.98%	Compare
CNO CNO Financial Group, Inc.	$5.0B	17.8×	13.0×	+11.61% (above 0%: growing)	+45.16% (above 0%: growing)	+7.63% (above 0%: growing)	44.06%	16.73%	Compare
GNW Genworth Financial, Inc.	$3.7B	17.7×	26.2×	+5.85% (above 0%: growing)	0.00%	+766.67% (above 0%: growing)	30.09%	7.10%	Compare
BHF Brighthouse Financial, Inc.	$2.8B	3.9×	3.3×	+86.22% (above 0%: growing)	+1,520.59% (above 0%: growing)	−43,000.00% (below 0%: shrinking)	115.29%	75.59%	Compare
FG F&G Annuities & Life, Inc.	$2.6B	6.4×	5.8×	+4.18% (above 0%: growing)	n/m	−8.11% (below 0%: shrinking)	16.89%	(3.73%)	Compare
ABX Abacus Global Management, Inc.	$813.6M	29.3×	—	+29.87% (above 0%: growing)	−61.11% (below 0%: shrinking)	−49.65% (below 0%: shrinking)	87.59%	29.41%	Compare
SNFCA Security National Financial Corporation	$250.3M	7.2×	6.2×	−6.27% (below 0%: shrinking)	+37.32% (above 0%: growing)	+145.67% (above 0%: growing)	71.03%	15.21%	Compare
CIA Citizens, Inc.	$178.8M	15.8×	17.3×	−7.19% (below 0%: shrinking)	n/m	−38.92% (below 0%: shrinking)	14.91%	(0.88%)
AAME Atlantic American Corporation	$24.7M	5.1×	—	+20.76% (above 0%: growing)	n/m	+11,298.28% (above 0%: growing)	9.92%	2.88%	Compare
Median of peers	$2.7B	6.8×	6.6×	+11.96%	+41.24%	−0.24%	41.02%	15.97%

All 17 Insurance Life stocks →

Citizens, Inc. (CIA) key facts

Strength: Citizens, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $255.6 million, up 4.33% from fiscal 2024.
Citizens, Inc. (CIA) is an Insurance Life company in the Financial sector, listed on the New York Stock Exchange.
As of October 9, 2026, CIA traded at $3.47, a market capitalization of $178.8 million.
Return on equity was 6.55% and debt-to-equity 0.00.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.