Citizens, Inc. (CIA)

Citizens Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	175.28	173.33	167.04	173.71	174.73	175.33
Total Interest & Dividend Income	69.23	69.71	69.25	65.43	61.5	60.2
Gain (Loss) on Sale of Investments	-3.82	-2.63	0.76	-10.29	10.99	1.5
Other Revenue	5.25	4.59	3.63	3.68	3.33	1.83
Total Revenue	245.94	245	240.68	232.52	250.55	238.86
Revenue Growth (YoY)	-0.04%	1.80%	3.51%	-7.19%	4.89%	-4.67%
Policy Benefits	156.67	151.91	140.37	133.64	137.12	156.66
Policy Acquisition & Underwriting Costs	26.96	25.85	27	26.33	26.93	40.85
Selling, General & Administrative	50.44	52.27	47.13	45.18	43.37	43.67
Total Operating Expenses	234.06	230.02	214.51	205.15	207.42	241.17
Operating Income	11.88	14.98	26.17	27.38	43.13	-2.32
EBT Excluding Unusual Items	11.88	14.98	26.17	27.38	43.13	-2.32
Impairment of Goodwill	-	-	-	-	-12.62	-
Other Unusual Items	-	-	-	-	-	-10
Pretax Income	11.88	14.98	26.17	27.38	30.51	-12.32
Income Tax Expense	0.63	0.07	1.74	1.37	-42.2	-1.33
Net Income	11.25	14.91	24.44	26.01	72.71	-10.99
Net Income to Common	11.25	14.91	24.44	26.01	72.71	-10.99
Net Income Growth	-48.74%	-38.98%	-6.04%	-64.23%	-	-
Shares Outstanding (Basic)	50	50	50	50	50	50
Shares Outstanding (Diluted)	51	51	51	51	51	51
Shares Change (YoY)	0.06%	0.13%	-0.37%	0.44%	-0.58%	1.17%
EPS (Basic)	0.23	0.30	0.49	0.52	1.45	-0.22
EPS (Diluted)	0.22	0.29	0.48	0.51	1.44	-0.22
EPS Growth	-48.84%	-39.58%	-6.12%	-64.39%	-	-
Free Cash Flow	24	31.26	21.61	56.82	39.45	48.61
Free Cash Flow Per Share	0.47	0.62	0.43	1.12	0.78	0.95
Operating Margin	4.83%	6.11%	10.88%	11.77%	17.21%	-0.97%
Profit Margin	4.57%	6.09%	10.15%	11.19%	29.02%	-4.60%
Free Cash Flow Margin	9.76%	12.76%	8.98%	24.44%	15.75%	20.35%
EBITDA	12.55	15.6	26.69	27.91	44.27	-0.89
EBITDA Margin	5.10%	6.37%	11.09%	12.00%	17.67%	-0.37%
D&A For EBITDA	0.67	0.62	0.52	0.54	1.14	1.42
EBIT	11.88	14.98	26.17	27.38	43.13	-2.32
EBIT Margin	4.83%	6.11%	10.88%	11.77%	17.21%	-0.97%
Effective Tax Rate	5.33%	0.45%	6.64%	5.00%	-	-
Revenue as Reported	245	245	240.68	232.52	250.55	238.86

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q