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	Jan 7, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	232	200	133	107	264	289
Market Cap Growth	19.10%	50.14%	25.15%	-59.71%	-8.67%	-14.62%
Enterprise Value	211	168	117	86	234	259
PE Ratio	21.99	13.42	5.46	4.10	3.64	-
PS Ratio	0.94	0.82	0.55	0.46	1.06	1.21
PB Ratio	1.03	0.95	0.77	0.83	0.83	0.96
P/FCF Ratio	12.06	6.40	6.17	1.88	6.70	5.96
P/OCF Ratio	11.79	6.27	6.04	1.87	6.54	5.93
EV/Sales Ratio	0.85	0.69	0.48	0.37	0.94	1.09
EV/EBITDA Ratio	15.02	10.75	4.37	3.06	5.29	-
EV/EBIT Ratio	15.82	11.20	4.45	3.12	5.43	-
EV/FCF Ratio	10.94	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	4.68%	7.45%	18.33%	24.42%	27.50%	-3.80%
FCF Yield	8.29%	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