Citizens, Inc. (CIA)

NYSE: CIA · Real-Time Price · USD

3.840

-0.080 (-2.04%)

At close: Aug 28, 2026, 4:00 PM EDT

3.910

+0.070 (1.82%)

After-hours: Aug 28, 2026, 7:35 PM EDT

Citizens Financials Overview

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

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

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	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	14.19	17.47	14.98	26.17	27.38	43.13
Net Income	11.6	14.59	14.91	24.44	26.01	72.71
Earnings Per Share	0.22	0.28	0.29	0.48	0.51	1.44
EPS Growth	-0.18%	-3.45%	-39.58%	-6.12%	-64.39%	-

Revenue by Segment

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	80.94	79.05	73.47	-	-	-
International Insurance	173.14	175.66	170.58	-	-	-
Other Non-Insurance Enterprises	0.93	0.91	0.95	1.01	0.93	2.22
Total	255.01	255.62	245	240.68	232.52	250.55

Cash & Debt

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	15.41	21.42	27.72	27	22.97	27.29
Total Debt	-	7.36	-	-	-	-
Net Cash (Debt)	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	0.30	0.27	0.55	0.53	0.45	0.54

Cash Flow & CapEx

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	15.49	17.99	31.92	22.06	56.92	40.46
Capital Expenditures	-0.53	-0.45	-0.66	-0.44	-0.1	-1.01
Free Cash Flow	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%

Margins

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%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 31, 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	17.49	16.65	13.42	5.46	4.10	3.64
Forward PE	29.54	17.25	11.14	50.65	50.65	50.65
P/FCF Ratio	12.99	13.85	6.40	6.17	1.88	6.70
PS Ratio	0.76	0.95	0.82	0.55	0.46	1.06