Citizens, Inc. (CIA)

Citizens Ratios and Metrics

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

Fiscal Year	Current	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Dec 26, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	200	133	107	264	289	339
Market Cap Growth	27.66%	25.15%	-59.71%	-8.67%	-14.62%	-9.97%
Enterprise Value	167	117	86	234	259	293
PE Ratio	9.25	5.45	4.10	3.64	-	-
PS Ratio	0.80	0.55	0.46	1.06	1.21	1.35
PB Ratio	0.96	0.77	0.83	0.82	0.96	1.30
P/FCF Ratio	7.40	6.17	1.87	6.70	5.95	4.73
P/OCF Ratio	7.21	6.04	1.87	6.54	5.93	4.69
EV/Sales Ratio	0.67	0.48	0.37	0.94	1.09	1.17
EV/EBITDA Ratio	8.11	4.37	3.06	5.29	-	39.53
EV/EBIT Ratio	8.35	4.45	3.12	5.43	-	51.07
EV/FCF Ratio	6.20	5.39	1.50	5.94	5.34	4.09
Debt / Equity Ratio	-	0.05	-	-	-	-
Debt / EBITDA Ratio	-	0.34	-	-	-	-
Debt / FCF Ratio	-	0.42	-	-	-	-
Quick Ratio	0.46	0.45	0.41	0.41	0.34	0.47
Current Ratio	0.73	0.69	0.65	0.64	0.50	0.64
Asset Turnover	0.15	0.15	0.13	0.14	0.13	0.15
Return on Equity (ROE)	12.23%	16.30%	11.60%	23.40%	-3.92%	-0.61%
Return on Assets (ROA)	0.76%	1.00%	0.99%	1.46%	-0.08%	0.21%
Return on Capital (ROIC)	6.95%	10.59%	7.63%	8.67%	-0.52%	1.60%
Earnings Yield	11.04%	18.33%	24.42%	27.50%	-3.80%	-0.40%
FCF Yield	13.52%	16.21%	53.35%	14.92%	16.79%	21.15%
Buyback Yield / Dilution	0.14%	0.37%	-0.44%	0.58%	-1.17%	-0.41%
Total Shareholder Return	0.14%	0.37%	-0.44%	0.58%	-1.17%	-0.41%

Source: S&P Capital IQ. Insurance template. Financial Sources.