Citizens, Inc. (CIA)

Citizens Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Nov 24, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	292	200	133	107	264	289
Market Cap Growth	14.27%	50.14%	25.15%	-59.71%	-8.67%	-14.62%
Enterprise Value	270	168	117	86	234	259
PE Ratio	27.61	13.42	5.46	4.10	3.64	-
PS Ratio	1.18	0.82	0.55	0.46	1.06	1.21
PB Ratio	1.29	0.95	0.77	0.83	0.83	0.96
P/FCF Ratio	15.14	6.40	6.17	1.88	6.70	5.96
P/OCF Ratio	14.80	6.27	6.04	1.87	6.54	5.93
EV/Sales Ratio	1.09	0.69	0.48	0.37	0.94	1.09
EV/EBITDA Ratio	19.25	10.75	4.37	3.06	5.29	-
EV/EBIT Ratio	20.28	11.20	4.45	3.12	5.43	-
EV/FCF Ratio	14.02	5.37	5.39	1.51	5.94	5.34
Debt / Equity Ratio	-	0.04	-	-	-	-
Debt / EBITDA Ratio	-	0.50	-	-	-	-
Debt / FCF Ratio	-	0.25	-	-	-	-
Quick Ratio	0.48	0.42	0.46	0.41	0.41	0.34
Current Ratio	0.79	0.70	0.70	0.65	0.64	0.50
Asset Turnover	0.14	0.15	0.15	0.14	0.14	0.13
Return on Equity (ROE)	5.02%	7.80%	16.30%	11.60%	23.40%	-3.92%
Return on Assets (ROA)	0.48%	0.56%	1.00%	0.99%	1.46%	-0.08%
Return on Capital (ROIC)	3.84%	4.80%	10.91%	7.63%	8.67%	-0.52%
Earnings Yield	3.73%	7.45%	18.33%	24.42%	27.50%	-3.80%
FCF Yield	6.61%	15.62%	16.21%	53.35%	14.92%	16.79%
Buyback Yield / Dilution	-1.63%	-0.13%	0.37%	-0.44%	0.58%	-1.17%

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

SEC Filings: 10-K · 10-Q