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	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	175.69	173.33	167.04	173.71	174.73	175.33
Total Interest & Dividend Income	70.97	69.71	69.25	65.43	61.5	60.2
Gain (Loss) on Sale of Investments	-5.9	-2.63	0.76	-10.29	10.99	1.5
Other Revenue	6.27	4.59	3.63	3.68	3.33	1.83
Total Revenue	247.02	245	240.68	232.52	250.55	238.86
Revenue Growth (YoY)	-0.55%	1.80%	3.51%	-7.19%	4.89%	-4.67%
Policy Benefits	155.67	151.91	140.37	133.64	137.12	156.66
Policy Acquisition & Underwriting Costs	26.39	25.85	27	26.33	26.93	40.85
Selling, General & Administrative	51.64	52.27	47.13	45.18	43.37	43.67
Total Operating Expenses	233.7	230.02	214.51	205.15	207.42	241.17
Operating Income	13.32	14.98	26.17	27.38	43.13	-2.32
EBT Excluding Unusual Items	13.32	14.98	26.17	27.38	43.13	-2.32
Impairment of Goodwill	-	-	-	-	-12.62	-
Other Unusual Items	-	-	-	-	-	-10
Pretax Income	13.32	14.98	26.17	27.38	30.51	-12.32
Income Tax Expense	2.45	0.07	1.74	1.37	-42.2	-1.33
Net Income	10.87	14.91	24.44	26.01	72.71	-10.99
Net Income to Common	10.87	14.91	24.44	26.01	72.71	-10.99
Net Income Growth	-50.64%	-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)	1.63%	0.13%	-0.37%	0.44%	-0.58%	1.17%
EPS (Basic)	0.22	0.30	0.49	0.52	1.45	-0.22
EPS (Diluted)	0.21	0.29	0.48	0.51	1.44	-0.22
EPS Growth	-51.18%	-39.58%	-6.12%	-64.39%	-	-
Free Cash Flow	19.27	31.26	21.61	56.82	39.45	48.61
Free Cash Flow Per Share	0.38	0.62	0.43	1.12	0.78	0.95
Operating Margin	5.39%	6.11%	10.88%	11.77%	17.21%	-0.97%
Profit Margin	4.40%	6.09%	10.15%	11.19%	29.02%	-4.60%
Free Cash Flow Margin	7.80%	12.76%	8.98%	24.44%	15.75%	20.35%
EBITDA	14.03	15.6	26.69	27.91	44.27	-0.89
EBITDA Margin	5.68%	6.37%	11.09%	12.00%	17.67%	-0.37%
D&A For EBITDA	0.71	0.62	0.52	0.54	1.14	1.42
EBIT	13.32	14.98	26.17	27.38	43.13	-2.32
EBIT Margin	5.39%	6.11%	10.88%	11.77%	17.21%	-0.97%
Effective Tax Rate	18.38%	0.45%	6.64%	5.00%	-	-
Revenue as Reported	245	245	240.68	232.52	250.55	238.86

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

SEC Filings: 10-K · 10-Q