Citizens, Inc. (CIA)
NYSE: CIA · Real-Time Price · USD
3.470
-0.060 (-1.70%)
Oct 9, 2026, 4:00 PM EDT - Market closed
Citizens Financials Overview
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 255.01 | 255.62 | 245 | 240.68 | 232.52 | 250.55 |
Revenue Growth | 3.69% | 4.33% | 1.80% | 3.51% | -7.19% | 4.89% |
Operating Income Operating Income Growth | 14.19 | 17.47 | 14.98 | 26.17 | 27.38 | 43.13 |
Net Income Net Income Growth | 11.6 | 14.59 | 14.91 | 24.44 | 26.01 | 72.71 |
Earnings Per Share EPS Growth | 0.22 | 0.28 | 0.29 | 0.48 | 0.51 | 1.44 |
EPS Growth | -0.18% | -3.45% | -39.58% | -6.12% | -64.39% | - |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Domestic Insurance Domestic Insurance Growth | 80.94 | 79.05 | 73.47 | - | - | - |
International Insurance International Insurance Growth | 173.14 | 175.66 | 170.58 | - | - | - |
Other Non-Insurance Enterprises Other Non-Insurance Enterprises Growth | 0.93 | 0.91 | 0.95 | 1.01 | 0.93 | 2.22 |
Total Total Growth | 255.01 | 255.62 | 245 | 240.68 | 232.52 | 250.55 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 15.41 | 21.42 | 27.72 | 27 | 22.97 | 27.29 |
Total Debt Total Debt Growth | - | 7.36 | - | - | - | - |
Net Cash (Debt) Net Cash Growth | 15.41 | 14.06 | 27.72 | 27 | 22.97 | 27.29 |
Net Cash Growth | -27.05% | -49.26% | 2.67% | 17.52% | -15.83% | -20.03% |
Net Cash Per Share Net Cash Per Share Growth | 0.30 | 0.27 | 0.55 | 0.53 | 0.45 | 0.54 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 15.49 | 17.99 | 31.92 | 22.06 | 56.92 | 40.46 |
Capital Expenditures CapEx Growth | -0.53 | -0.45 | -0.66 | -0.44 | -0.1 | -1.01 |
Free Cash Flow Free Cash Flow Growth | 14.97 | 17.54 | 31.26 | 21.61 | 56.82 | 39.45 |
Free Cash Flow Growth | -37.65% | -43.88% | 44.60% | -61.96% | 44.04% | -18.85% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 5.56% | 6.83% | 6.11% | 10.88% | 11.77% | 17.21% |
Pretax Margin | 5.56% | 6.83% | 6.11% | 10.88% | 11.77% | 12.18% |
Profit Margin | 4.55% | 5.71% | 6.09% | 10.15% | 11.19% | 29.02% |
FCF Margin | 5.87% | 6.86% | 12.76% | 8.98% | 24.44% | 15.75% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Oct '26 Oct 11, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 15.81 | 16.65 | 13.42 | 5.46 | 4.10 | 3.64 |
Forward PE | 14.77 | 17.25 | 11.14 | 50.65 | 50.65 | 50.65 |
P/FCF Ratio | 11.74 | 13.85 | 6.40 | 6.17 | 1.88 | 6.70 |
PS Ratio | 0.69 | 0.95 | 0.82 | 0.55 | 0.46 | 1.06 |