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CITIZENS INC (CIA) Stock Fundamental Analysis

NYSE:CIA - New York Stock Exchange, Inc. - US1747401008 - Common Stock - Currency: USD

4.06  -0.23 (-5.36%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to CIA. CIA was compared to 143 industry peers in the Insurance industry. The financial health of CIA is average, but there are quite some concerns on its profitability. CIA has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

CIA had positive earnings in the past year.
In the past year CIA had a positive cash flow from operations.
In multiple years CIA reported negative net income over the last 5 years.
CIA had a positive operating cash flow in each of the past 5 years.
CIA Yearly Net Income VS EBIT VS OCF VS FCFCIA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M

1.2 Ratios

The Return On Assets of CIA (0.88%) is worse than 62.94% of its industry peers.
CIA's Return On Equity of 7.09% is on the low side compared to the rest of the industry. CIA is outperformed by 63.64% of its industry peers.
With a Return On Invested Capital value of 0.74%, CIA is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 0.88%
ROE 7.09%
ROIC 0.74%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
ROIC(3y)N/A
ROIC(5y)N/A
CIA Yearly ROA, ROE, ROICCIA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

1.3 Margins

CIA has a Profit Margin (6.09%) which is comparable to the rest of the industry.
CIA's Profit Margin has declined in the last couple of years.
CIA's Operating Margin of 6.11% is on the low side compared to the rest of the industry. CIA is outperformed by 66.43% of its industry peers.
CIA's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 6.11%
PM (TTM) 6.09%
GM N/A
OM growth 3Y37.44%
OM growth 5Y21.86%
PM growth 3Y-25.45%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CIA Yearly Profit, Operating, Gross MarginsCIA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10 -15

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4

2. Health

2.1 Basic Checks

CIA has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
CIA has more shares outstanding than it did 1 year ago.
CIA has less shares outstanding than it did 5 years ago.
CIA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
CIA Yearly Shares OutstandingCIA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CIA Yearly Total Debt VS Total AssetsCIA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B 1.5B

2.2 Solvency

CIA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.08
WACC8.87%
CIA Yearly LT Debt VS Equity VS FCFCIA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CIA Yearly Current Assets VS Current LiabilitesCIA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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1

3. Growth

3.1 Past

CIA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.00%, which is quite impressive.
Looking at the last year, CIA shows a small growth in Revenue. The Revenue has grown by 1.80% in the last year.
EPS 1Y (TTM)20%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-66.71%
Revenue 1Y (TTM)1.8%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-5.05%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
CIA Yearly Revenue VS EstimatesCIA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 50M 100M 150M 200M 250M
CIA Yearly EPS VS EstimatesCIA Yearly EPS VS EstimatesYearly EPS VS Estimates 2024 2025 2026 0.1 0.2 0.3

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2

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 33.83, CIA can be considered very expensive at the moment.
Based on the Price/Earnings ratio, CIA is valued a bit more expensive than 79.72% of the companies in the same industry.
CIA is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 28.98, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 33.83
Fwd PE N/A
CIA Price Earnings VS Forward Price EarningsCIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

CIA's Enterprise Value to EBITDA is on the same level as the industry average.
Based on the Price/Free Cash Flow ratio, CIA is valued a bit cheaper than 64.34% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.48
EV/EBITDA 11.41
CIA Per share dataCIA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CIA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CITIZENS INC

NYSE:CIA (4/30/2025, 12:38:54 PM)

4.06

-0.23 (-5.36%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)03-13 2025-03-13/amc
Earnings (Next)05-07 2025-05-07
Inst Owners17.11%
Inst Owner Change0.23%
Ins Owners1.51%
Ins Owner Change4.79%
Market Cap202.63M
Analysts84
Price Target5.61 (38.18%)
Short Float %10.95%
Short Ratio42.33
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-32.58%
Min EPS beat(2)-38.12%
Max EPS beat(2)-27.05%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.96%
Min Revenue beat(2)-3.65%
Max Revenue beat(2)-2.27%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)7.32%
PT rev (3m)7.32%
EPS NQ rev (1m)-33.33%
EPS NQ rev (3m)-44.44%
EPS NY rev (1m)-11.59%
EPS NY rev (3m)-19.74%
Revenue NQ rev (1m)-0.17%
Revenue NQ rev (3m)-0.14%
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.06%
Valuation
Industry RankSector Rank
PE 33.83
Fwd PE N/A
P/S 0.83
P/FCF 6.48
P/OCF 6.35
P/B 0.96
P/tB 1.01
EV/EBITDA 11.41
EPS(TTM)0.12
EY2.96%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.63
FCFY15.42%
OCF(TTM)0.64
OCFY15.75%
SpS4.91
BVpS4.21
TBVpS4.03
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.88%
ROE 7.09%
ROCE 0.94%
ROIC 0.74%
ROICexc 0.75%
ROICexgc 0.77%
OM 6.11%
PM (TTM) 6.09%
GM N/A
FCFM 12.76%
ROA(3y)0.64%
ROA(5y)0.66%
ROE(3y)5.37%
ROE(5y)4.79%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y41.5%
ROICexcg growth 5Y21.27%
ROICexc growth 3Y41.24%
ROICexc growth 5Y21.4%
OM growth 3Y37.44%
OM growth 5Y21.86%
PM growth 3Y-25.45%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.15
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 54.52%
Cap/Sales 0.27%
Interest Coverage 250
Cash Conversion 197.07%
Profit Quality 209.6%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC8.87%
ROIC/WACC0.08
Cap/Depr(3y)33.56%
Cap/Depr(5y)30.08%
Cap/Sales(3y)0.17%
Cap/Sales(5y)0.2%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-66.71%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)1.8%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-5.05%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-42.77%
EBIT growth 3Y36.42%
EBIT growth 5Y21.32%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y44.61%
FCF growth 3Y-7.51%
FCF growth 5Y-15.3%
OCF growth 1Y44.71%
OCF growth 3Y-7.63%
OCF growth 5Y-15.06%