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CITIZENS, INC. CIA

NYSE · stock · Life Insurance · website · IPO 1980-12-04 · LEI

CITIZENS, INC. statistics & valuation

Market cap$322.5M
P / E22.1×
P / S1.3×
P / B1.4×
P / FCF18.4×
Net margin5.7%
Return on equity6.2%
FCF margin6.9%

Market cap as of 2026-06-29. Multiples are price-derived and refreshed daily; everything else from the latest financial reports.

Profitability & efficiency

Net margin (%)
0.80% -15.10% -4.50% -0.50% -4.60% 29.00% 11.20% 10.20% 6.10% 5.70% 2016201720182019202020212022202320242025
Gross margin (%)
2016201720182019202020212022202320242025
Operating margin (%)
2016201720182019202020212022202320242025
Return on equity (%)
0.80% -17.10% -5.90% -0.50% -3.70% 72.70% 20.40% 14.20% 7.10% 6.20% 2016201720182019202020212022202320242025
Shares outstanding
50.1M 50.1M 50.1M 50.3M 50.9M 50.6M 50.9M 50.7M 2016201720182019202020212022202320242025
Net debt ($)
2016201720182019202020212022202320242025
Share buybacks ($)
2016201720182019202020212022202320242025
Return on assets (%)
0.10% -2.30% -0.70% -0.10% -0.60% 3.90% 1.60% 1.50% 0.90% 0.80% 2016201720182019202020212022202320242025
Free cash flow margin (%)
40.80% 36.30% 34.40% 28.60% 20.40% 15.70% 24.40% 9.00% 12.80% 6.90% 2016201720182019202020212022202320242025
Debt / equity (×)
2016201720182019202020212022202320242025
EPS ($)
2016201720182019202020212022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Net margin5.7%6.1%10.2%11.2%29.0%-4.6%-0.5%-4.5%-15.1%0.8%
FCF margin6.9%12.8%9.0%24.4%15.7%20.4%28.6%34.4%36.3%40.8%
Return on assets0.8%0.9%1.5%1.6%3.9%-0.6%-0.1%-0.7%-2.3%0.1%
Return on equity6.2%7.1%14.2%20.4%72.7%-3.7%-0.5%-5.9%-17.1%0.8%

Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.