Citizens, Inc. (FRA:YCX)

Citizens Statistics

Total Valuation

Citizens has a market cap or net worth of EUR 232.77 million. The enterprise value is 214.21 million.

Market Cap	232.77M
Enterprise Value	214.21M

Important Dates

The next estimated earnings date is Tuesday, March 10, 2026.

Earnings Date	Mar 10, 2026
Ex-Dividend Date	n/a

Share Statistics

Current Share Class	50.30M
Shares Outstanding	n/a
Shares Change (YoY)	+1.63%
Shares Change (QoQ)	+1.15%
Owned by Insiders (%)	2.10%
Owned by Institutions (%)	26.17%
Float	45.12M

Valuation Ratios

The trailing PE ratio is 25.12 and the forward PE ratio is 19.00.

PE Ratio	25.12
Forward PE	19.00
PS Ratio	1.11
PB Ratio	1.21
P/TBV Ratio	1.21
P/FCF Ratio	14.17
P/OCF Ratio	13.85
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 17.75, with an EV/FCF ratio of 13.04.

EV / Earnings	23.11
EV / Sales	1.01
EV / EBITDA	17.75
EV / EBIT	18.69
EV / FCF	13.04

Financial Position

The company has a current ratio of 0.79

Current Ratio	0.79
Quick Ratio	0.48
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 5.02% and return on invested capital (ROIC) is 3.84%.

Return on Equity (ROE)	5.02%
Return on Assets (ROA)	0.48%
Return on Invested Capital (ROIC)	3.84%
Return on Capital Employed (ROCE)	0.81%
Revenue Per Employee	845,523
Profits Per Employee	37,221
Employee Count	250
Asset Turnover	0.14
Inventory Turnover	n/a

Taxes

In the past 12 months, Citizens has paid 2.09 million in taxes.

Income Tax	2.09M
Effective Tax Rate	18.38%

Stock Price Statistics

The stock price has increased by +19.10% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+19.10%
50-Day Moving Average	4.69
200-Day Moving Average	3.98
Relative Strength Index (RSI)	55.71
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	32.45

Income Statement

In the last 12 months, Citizens had revenue of EUR 210.54 million and earned 9.27 million in profits. Earnings per share was 0.18.

Revenue	210.54M
Gross Profit	55.36M
Operating Income	11.35M
Pretax Income	11.35M
Net Income	9.27M
EBITDA	11.96M
EBIT	11.35M
Earnings Per Share (EPS)	0.18

Balance Sheet

The company has 18.38 million in cash and n/a in debt, giving a net cash position of 18.38 million.

Cash & Cash Equivalents	18.38M
Total Debt	n/a
Net Cash	18.38M
Net Cash Per Share	n/a
Equity (Book Value)	192.28M
Book Value Per Share	3.82
Working Capital	-16.80M

Cash Flow

In the last 12 months, operating cash flow was 16.80 million and capital expenditures -379,274, giving a free cash flow of 16.43 million.

Operating Cash Flow	16.80M
Capital Expenditures	-379,274
Free Cash Flow	16.43M
FCF Per Share	n/a

Margins

Gross margin is 26.30%, with operating and profit margins of 5.39% and 4.40%.

Gross Margin	26.30%
Operating Margin	5.39%
Pretax Margin	5.39%
Profit Margin	4.40%
EBITDA Margin	5.68%
EBIT Margin	5.39%
FCF Margin	7.80%

Dividends & Yields

Citizens does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	-1.63%
Shareholder Yield	-1.63%
Earnings Yield	3.98%
FCF Yield	7.06%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	5