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Citizens, Inc. (CIA)

Stock Price: $6.05 USD 0.05 (0.83%)
Updated Aug 11, 2020 2:53 PM EDT - Market open

Stock Price Chart

Key Info

Market Cap 323.63M
Revenue (ttm) 245.34M
Net Income (ttm) 2.39M
Shares Out 49.36M
EPS (ttm) 0.05
PE Ratio 121.00
Forward PE n/a
Dividend n/a
Dividend Yield n/a

Stock Quote

Trading Day Aug 11, 2020
Last Price $6.05
Previous Close $6.00
Change ($) 0.05
Change (%) 0.83%
Day's Open 6.04
Day's Range 5.95 - 6.18
Day's Volume 91,245
52-Week Range 3.55 - 7.50

More Stats

Market Cap 323.63M
Enterprise Value 271.25M
Earnings Date (est) n/a
Ex-Dividend Date n/a
Shares Outstanding 49.36M
Float 44.79M
EPS (basic) 0.05
EPS (diluted) 0.05
FCF / Share 1.29
Dividend n/a
Dividend Yield n/a
Earnings Yield 0.83%
FCF Yield 21.39%
Payout Ratio n/a
Shares Short 6.71M
Short Ratio 66.08
Short % of Float 12.84%
Beta 0.36
PE Ratio 121.00
Forward PE n/a
P/FCF Ratio 4.68
PS Ratio 1.32
PB Ratio 1.03
Revenue 245.34M
Operating Income 5.26M
Net Income 2.39M
Free Cash Flow 69.22M
Net Cash 52.38M
Net Cash / Share 0.98
Gross Margin 22.72%
Operating Margin 2.15%
Profit Margin 1.00%
FCF Margin 28.22%
ROA 0.19%
ROE 0.91%
ROIC n/a
Stats based on trailing-twelve-month (ttm) numbers.

Analyst Summary

Analyst Ratings (0)

Buy 0
Overweight 0
Hold 0
Underweight 0
Sell 0

Analyst Consensus: n/a

Price Target

$7.50*
Low
7.50
Current: $6.05
High
7.50
Target: 7.50
*Average 12-month price target from 1 stock analysts.

Financial Performance

Financial numbers in millions USD.

Financial Overview

Year2019201820172016201520142013201220112010
Revenue251244253245236230214203194190
Revenue Growth2.68%-3.41%2.94%3.87%2.62%7.77%5.36%4.43%2.01%-
Gross Profit95.9798.5987.4381.3369.5869.8665.5262.3467.7675.38
Operating Income5.752.00-2.995.48-1.94-1.956.936.0411.3318.39
Net Income-1.37-11.06-38.131.97-3.14-5.974.794.538.4814.70
Shares Outstanding53.3750.0850.0850.0850.0850.0850.0850.0849.9549.69
Earnings Per Share-0.03-0.22-0.770.04-0.06-0.120.100.090.170.30
EPS Growth------11.11%-47.06%-43.33%-
Operating Cash Flow72.2284.6293.0110287.1597.9381.4169.2764.2860.54
Capital Expenditures-0.50-0.64-1.29-2.16-0.59-0.48-0.39-0.62-1.80-2.02
Free Cash Flow71.7383.9991.7310086.5697.4581.0268.6562.4858.52
Cash & Equivalents46.2145.4946.0635.5182.8350.7154.5956.5734.1651.64
Net Cash / Debt46.2145.4946.0635.5182.8350.7154.5956.5734.1651.64
Assets1,7451,6161,6441,5841,4811,4181,2161,1751,080987
Liabilities1,4851,4281,4211,3351,2341,159970912831759
Book Value260188224249247258246263248228
Numbers in millions USD, except per-share numbers.

Company Profile

Company Details

Full Name Citizens, Inc.
Country United States
CEO Gerald W. Shields

Stock Information

Ticker Symbol CIA
Stock Exchange New York Stock Exchange
Sector Financial
Industry Life Insurance
Unique Identifier NYSE: CIA

Description

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 foreign residents in approximately 20 countries through 1,000 independent marketing consultants, as well as through independent marketing firms and consultants throughout the United States. It also provides health insurance policies. The Home Service Insurance segment offers pre-need and final expense ordinary life insurance, and annuities to middle and lower income individuals primarily in Louisiana, Mississippi, and Arkansas. It provides its products and services through funeral homes and independent agents, as well as through a home service marketing distribution system. The company was founded in 1969 and is headquartered in Austin, Texas.