Citizens, Inc. (FRA:YCX)

Citizens Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 26, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	233	193	121	100	232	237
Market Cap Growth	12.98%	60.29%	21.00%	-57.13%	-1.77%	-21.67%
Enterprise Value	214	162	105	80	206	212
PE Ratio	25.12	13.42	5.46	4.10	3.64	-
PS Ratio	1.11	0.82	0.55	0.46	1.06	1.21
PB Ratio	1.21	0.95	0.77	0.83	0.83	0.96
P/FCF Ratio	14.17	6.40	6.17	1.88	6.70	5.96
P/OCF Ratio	13.85	6.27	6.04	1.87	6.54	5.93
EV/Sales Ratio	1.01	0.69	0.48	0.37	0.94	1.09
EV/EBITDA Ratio	17.75	10.75	4.37	3.06	5.29	-
EV/EBIT Ratio	18.69	11.20	4.45	3.12	5.43	-
EV/FCF Ratio	13.04	5.37	5.39	1.51	5.94	5.34
Debt / Equity Ratio	-	0.04	-	-	-	-
Debt / EBITDA Ratio	-	0.50	-	-	-	-
Debt / FCF Ratio	-	0.25	-	-	-	-
Quick Ratio	0.48	0.42	0.46	0.41	0.41	0.34
Current Ratio	0.79	0.70	0.70	0.65	0.64	0.50
Asset Turnover	0.14	0.15	0.15	0.14	0.14	0.13
Return on Equity (ROE)	5.02%	7.80%	16.30%	11.60%	23.40%	-3.92%
Return on Assets (ROA)	0.48%	0.56%	1.00%	0.99%	1.46%	-0.08%
Return on Capital (ROIC)	3.84%	4.80%	10.91%	7.63%	8.67%	-0.52%
Earnings Yield	3.98%	7.45%	18.33%	24.42%	27.50%	-3.80%
FCF Yield	7.06%	15.62%	16.21%	53.35%	14.92%	16.79%
Buyback Yield / Dilution	-1.63%	-0.13%	0.37%	-0.44%	0.58%	-1.17%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.