Logo image of CIA

CITIZENS INC (CIA) Stock Fundamental Analysis

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

5.18  -0.02 (-0.38%)

After market: 5.18 0 (0%)

Fundamental Rating

3

Overall CIA gets a fundamental rating of 3 out of 10. We evaluated CIA against 144 industry peers in the Insurance industry. The financial health of CIA is average, but there are quite some concerns on its profitability. CIA does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

Quickly go to:

3

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.
In the past 5 years CIA always reported a positive cash flow from operatings.
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 0 50M 100M

1.2 Ratios

CIA has a Return On Assets of 1.27%. This is comparable to the rest of the industry: CIA outperforms 41.13% of its industry peers.
CIA has a Return On Equity of 10.61%. This is comparable to the rest of the industry: CIA outperforms 51.06% of its industry peers.
With a Return On Invested Capital value of 0.96%, CIA perfoms like the industry average, outperforming 40.43% of the companies in the same industry.
Industry RankSector Rank
ROA 1.27%
ROE 10.61%
ROIC 0.96%
ROA(3y)1.01%
ROA(5y)0.47%
ROE(3y)6.84%
ROE(5y)3.26%
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 0 10 -10

1.3 Margins

Looking at the Profit Margin, with a value of 8.87%, CIA is in line with its industry, outperforming 56.74% of the companies in the same industry.
Looking at the Operating Margin, with a value of 8.07%, CIA is in line with its industry, outperforming 42.55% of the companies in the same industry.
In the last couple of years the Operating Margin of CIA has grown nicely.
Industry RankSector Rank
OM 8.07%
PM (TTM) 8.87%
GM N/A
OM growth 3YN/A
OM growth 5Y67.71%
PM growth 3YN/A
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 0 5 -5 10 -10 -15

More info and screens

5

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), CIA is destroying value.
CIA has less shares outstanding than it did 1 year ago.
Compared to 5 years ago, CIA has less shares outstanding
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 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 500M 1B 1.5B

2.2 Solvency

There is no outstanding debt for CIA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z N/A
ROIC/WACC0.11
WACC9.06%
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 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 50M 100M 150M

More info and screens

3

3. Growth

3.1 Past

CIA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 28.35%, which is quite impressive.
The Revenue has been growing slightly by 3.02% in the past year.
The Revenue has been decreasing by -0.27% on average over the past years.
EPS 1Y (TTM)28.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%3.11%
Revenue 1Y (TTM)3.02%
Revenue growth 3Y0.25%
Revenue growth 5Y-0.27%
Sales Q2Q%3.94%

3.2 Future

Based on estimates for the next years, CIA will show a small growth in Earnings Per Share. The EPS will grow by 1.55% on average per year.
The Revenue is expected to grow by 4.76% on average over the next years.
EPS Next Y-32.97%
EPS Next 2Y-10.78%
EPS Next 3Y1.55%
EPS Next 5YN/A
Revenue Next Year3.54%
Revenue Next 2Y3.7%
Revenue Next 3Y4.76%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.1 0.2 0.3 0.4 0.5

More info and screens

3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.05 indicates a correct valuation of CIA.
The rest of the industry has a similar Price/Earnings ratio as CIA.
Compared to an average S&P500 Price/Earnings ratio of 29.63, CIA is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 13.50, the valuation of CIA can be described as correct.
The rest of the industry has a similar Price/Forward Earnings ratio as CIA.
When comparing the Price/Forward Earnings ratio of CIA to the average of the S&P500 Index (22.68), we can say CIA is valued slightly cheaper.
Industry RankSector Rank
PE 12.05
Fwd PE 13.5
CIA Price Earnings VS Forward Price EarningsCIA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CIA's Enterprise Value to EBITDA ratio is in line with the industry average.
CIA's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 9.58
EV/EBITDA 10.7
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 2Y-10.78%
EPS Next 3Y1.55%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for CIA!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

CITIZENS INC

NYSE:CIA (2/21/2025, 8:08:57 PM)

After market: 5.18 0 (0%)

5.18

-0.02 (-0.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)03-12 2025-03-12/amc
Inst Owners17.11%
Inst Owner Change29.26%
Ins Owners1.51%
Ins Owner Change1.31%
Market Cap258.53M
Analysts84
Price Target5.23 (0.97%)
Short Float %9.47%
Short Ratio40.34
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)1
Avg EPS beat(2)-3.05%
Min EPS beat(2)-38.12%
Max EPS beat(2)32.01%
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)1
Avg Revenue beat(2)0.75%
Min Revenue beat(2)-2.27%
Max Revenue beat(2)3.76%
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)0%
PT rev (3m)-2.07%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-9.52%
EPS NY rev (1m)0%
EPS NY rev (3m)-7.25%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-3.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.27%
Valuation
Industry RankSector Rank
PE 12.05
Fwd PE 13.5
P/S 1.04
P/FCF 9.58
P/OCF 9.33
P/B 1.25
P/tB 1.31
EV/EBITDA 10.7
EPS(TTM)0.43
EY8.3%
EPS(NY)0.38
Fwd EY7.41%
FCF(TTM)0.54
FCFY10.44%
OCF(TTM)0.56
OCFY10.72%
SpS4.98
BVpS4.16
TBVpS3.97
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.27%
ROE 10.61%
ROCE 1.21%
ROIC 0.96%
ROICexc 0.98%
ROICexgc 1%
OM 8.07%
PM (TTM) 8.87%
GM N/A
FCFM 10.87%
ROA(3y)1.01%
ROA(5y)0.47%
ROE(3y)6.84%
ROE(5y)3.26%
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 3YN/A
ROICexcg growth 5Y64.43%
ROICexc growth 3YN/A
ROICexc growth 5Y64.85%
OM growth 3YN/A
OM growth 5Y67.71%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.14
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 59.55%
Cap/Sales 0.29%
Interest Coverage 250
Cash Conversion 130.48%
Profit Quality 122.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC9.06%
ROIC/WACC0.11
Cap/Depr(3y)29.88%
Cap/Depr(5y)22.3%
Cap/Sales(3y)0.21%
Cap/Sales(5y)0.18%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)28.35%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%3.11%
EPS Next Y-32.97%
EPS Next 2Y-10.78%
EPS Next 3Y1.55%
EPS Next 5YN/A
Revenue 1Y (TTM)3.02%
Revenue growth 3Y0.25%
Revenue growth 5Y-0.27%
Sales Q2Q%3.94%
Revenue Next Year3.54%
Revenue Next 2Y3.7%
Revenue Next 3Y4.76%
Revenue Next 5YN/A
EBIT growth 1Y1.6%
EBIT growth 3YN/A
EBIT growth 5Y67.25%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-51.98%
FCF growth 3Y-23.67%
FCF growth 5Y-23.76%
OCF growth 1Y-50.92%
OCF growth 3Y-23.26%
OCF growth 5Y-23.58%