Citizens Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 13, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	301	200	133	107	264	289
Market Cap Growth	20.55%	50.14%	25.15%	-59.71%	-8.67%	-14.62%
Enterprise Value	279	168	117	86	234	259
PE Ratio	28.47	13.42	5.46	4.10	3.64	-
PS Ratio	1.21	0.82	0.55	0.46	1.06	1.21
PB Ratio	1.33	0.95	0.77	0.83	0.83	0.96
P/FCF Ratio	15.61	6.40	6.17	1.88	6.70	5.96
P/OCF Ratio	15.25	6.27	6.04	1.87	6.54	5.93
EV/Sales Ratio	1.13	0.69	0.48	0.37	0.94	1.09
EV/EBITDA Ratio	19.90	10.75	4.37	3.06	5.29	-
EV/EBIT Ratio	20.96	11.20	4.45	3.12	5.43	-
EV/FCF Ratio	14.49	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	-	-	-	-
Net Debt / Equity Ratio	-0.10	-0.09	-0.16	-0.18	-0.08	-0.11
Net Debt / EBITDA Ratio	-1.54	-1.28	-1.01	-0.82	-0.62	38.18
Net Debt / FCF Ratio	-1.12	-0.64	-1.25	-0.40	-0.69	-0.70
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 Invested Capital (ROIC)	4.78%	7.49%	16.30%	11.60%	13.88%	-0.83%
Earnings Yield	3.62%	7.45%	18.33%	24.42%	27.50%	-3.80%
FCF Yield	6.41%	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.

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