Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Citizens, Inc.

Citizens, Inc. is an insurance holding company that offers traditional insurance products in niche markets, including life insurance solutions. The company operates internationally and provides financial security and peace of mind to individuals and families.

Metric
Company Name	Citizens, Inc.
Symbol	CIA
MSH ID	COM:CITIZENSINC
Market	STOCKS
Sector	Financial Services
Industry	Insurance - Life
Country	US
Stage
Employee Count	232
Website	citizensinc.com
LinkedIn
Founders

Metric
Market Cap	129.05M
Enterprise Value
Monthly Web Traffic	42.84K
Web Traffic Growth	-0.21
Valuation
Raised Capital

Metric
Revenue	240.68M
Revenue (LTM)
Revenue (NTM)
Gross Profit	240.68M
EBITDA	1.12M
Operating Income
Net Income	24.44M
EPS	0.49
Diluted EPS	0.48
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.11
EBITDA Margin	0.00
Net Profit Margin	0.10
Return on Equity	0.16
Return on Assets	9.07
Return on Capital Employed	8.95

COM:CITIZENSINC

Citizens, Inc.

Last Close

4.80

22/11 21:00

Market Cap

129.05M

Beta: -

Volume Today

88.49K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	9.13
P/B Ratio	0.89
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.19
EV Multiple	28.56

Metric
Days Sales Outstanding	20.35
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	101.75

Metric
Operating Cash Flow	22.06M
Free Cash Flow	21.61M
Cash Flow to Debt	14.71
Operating Cash Flow/Sales	0.09
Free Cash Flow Yield	0.24

Metric
Cash & Equivalents	27.00M
Accounts Receivable
Inventory	-29.43M
Goodwill
Debt to Capitalization	0.01
Debt to Assets
Current Ratio	68.62
Quick Ratio	19.73

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.00
R&D to Revenue
SG&A to Revenue	0.20