No significant weaknesses identified
| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| CIACitizens, Inc. | 275.63M | 5.48 | 18.90 | 1.8% | 4.4% | 4.82% | 11.34% | 0.04 |
| AAMEAtlantic American Corporation | 61.4M | 3.01 | -13.09 | 0.77% | 2.45% | 4.66% | 7.45% | 0.38 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 236.27M | 245.41M | 252.63M | 244.01M | 250.59M | 238.85M | 250.53M | 232.52M | 240.68M | 245M |
| Revenue Growth % | 0.03% | 0.04% | 0.03% | -0.03% | 0.03% | -0.05% | 0.05% | -0.07% | 0.04% | 0.02% |
| Medical Costs & Claims | 191.86M | 197.67M | 202.96M | 188.01M | 190.32M | 191.92M | 122.4M | 117.73M | 0 | 123.28M |
| Medical Cost Ratio % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | 44.41M | 47.73M | 49.67M | 56M | 60.27M | 46.93M | 128.13M | 114.79M | 240.68M | 121.72M |
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Gross Profit Growth % | -0.05% | 0.07% | 0.04% | 0.13% | 0.08% | -0.22% | 1.73% | -0.1% | 1.1% | -0.49% |
| Operating Expenses | 46.35M | 42.25M | 52.66M | 53.99M | 54.53M | 59.25M | 97.62M | 87.41M | 47.13M | 106.74M |
| OpEx / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Depreciation & Amortization | 3.1M | 2.87M | 1.06M | 1.45M | 1.68M | 1.42M | 1.14M | 536K | 1.12M | 619K |
| Combined Ratio % | - | - | - | - | - | - | - | - | - | - |
| Operating Income | -1.94M | 5.48M | -2.99M | 2M | 5.75M | -12.32M | 30.5M | 27.38M | 193.55M | 14.98M |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Income Growth % | 0% | 3.82% | -1.54% | 1.67% | 1.87% | -3.14% | 3.48% | -0.1% | 6.07% | -0.92% |
| EBITDA | 1.15M | 8.35M | -1.92M | 3.45M | 7.42M | -10.89M | 31.64M | 27.91M | 194.67M | 15.6M |
| EBITDA Margin % | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 167.38M | 0 |
| Pretax Income | -1.94M | 5.48M | -2.99M | 2M | 5.75M | -12.32M | 30.5M | 27.38M | 26.17M | 14.98M |
| Pretax Margin % | - | - | - | - | - | - | - | - | - | - |
| Income Tax | 1.2M | 3.51M | 35.14M | 13.06M | 7.12M | -1.33M | -42.2M | 1.37M | 1.74M | 68K |
| Effective Tax Rate % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -3.14M | 1.97M | -38.13M | -11.06M | -1.37M | -10.99M | 72.71M | 26.01M | 24.44M | 14.91M |
| Net Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Income Growth % | 0.47% | 1.63% | -20.36% | 0.71% | 0.88% | -7.02% | 7.62% | -0.64% | -0.06% | -0.39% |
| EPS (Diluted) | -0.07 | 0.04 | -0.76 | -0.22 | -0.03 | -0.22 | -0.99 | -0.15 | 0.48 | 0.29 |
| EPS Growth % | 0.45% | 1.56% | -20% | 0.71% | 0.87% | -6.97% | -3.5% | 0.85% | 4.2% | -0.4% |
| EPS (Basic) | -0.07 | 0.04 | -0.77 | -0.22 | -0.03 | -0.22 | -1.01 | -0.15 | 0.49 | 0.27 |
| Diluted Shares Outstanding | 50.08M | 50.08M | 50.08M | 50.14M | 49.72M | 49.4M | 50.49M | 50.87M | 50.68M | 50.67M |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | 1.48B | 1.58B | 1.64B | 1.62B | 1.74B | 1.84B | 1.85B | 1.59B | 1.67B | 1.69B |
| Asset Growth % | 0.05% | 0.07% | 0.04% | -0.02% | 0.08% | 0.06% | 0.01% | -0.14% | 0.05% | 0.01% |
| Total Investment Assets | 1.09B | 1.22B | 1.31B | 1.34B | 1.48B | 1.62B | 1.62B | 1.34B | 82.48M | 93.34M |
| Long-Term Investments | 1.02B | 1.15B | 1.22B | 1.25B | 1.4B | 1.51B | 1.49B | 1.19B | 82.48M | 93.34M |
| Short-Term Investments | 735.9M | 882.18M | 974.61M | 1.24B | 1.38B | 1.49B | 1.47B | 1.18B | 0 | 0 |
| Total Current Assets | 19.69M | 18.36M | 30.47M | 1.3B | 0 | 0 | 0 | 0 | 29.43M | 29.27M |
| Cash & Equivalents | 82.83M | 35.51M | 46.06M | 45.49M | 46.2M | 34.13M | 27.29M | 22.97M | 27M | 29.27M |
| Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Assets | 0 | 0 | 0 | 0 | -1.44B | -1.54B | -1.51B | -1.22B | 0 | -18.66M |
| Goodwill & Intangibles | 39.81M | 37.64M | 31.08M | 28.8M | 13.57M | 13.57M | 941K | 0 | 185.81M | 209.08M |
| Goodwill | 17.25M | 17.25M | 12.62M | 12.62M | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 22.56M | 20.38M | 18.46M | 16.18M | 0 | 0 | 0 | 0 | 185.81M | 209.08M |
| PP&E (Net) | 6.34M | 7.89M | 6.62M | 5.94M | 5.9M | 16.31M | 14.07M | 12.93M | 11.81M | 0 |
| Other Assets | -121.09M | -1.32B | -1.35B | -10.36M | -1.41B | -1.54B | -1.5B | -1.21B | 1.32B | 1.35B |
| Total Liabilities | 1.24B | 1.33B | 1.42B | 1.43B | 1.49B | 1.54B | 1.53B | 1.46B | 1.5B | 1.47B |
| Total Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 9.07M | 7.79M |
| Net Debt | -82.83M | -35.51M | -46.06M | -45.49M | -46.2M | -34.13M | -27.29M | -22.97M | -27M | -21.48M |
| Long-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.43M |
| Total Current Liabilities | 9.65M | 9.54M | 8.61M | 7.61M | 0 | 0 | 0 | 0 | 10.08M | 8.82M |
| Accounts Payable | 9.65M | 9.54M | 8.61M | 7.61M | 8.06M | 13.21M | 14.59M | 9.88M | 6.64M | 8.82M |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | -86.85M | -97.41M | -104.41M | -50.8M | -55.2M | -64.96M | -16.88M | -11.85M | -10.08M | -1.43M |
| Deferred Taxes | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Liabilities | 1.23B | 1.33B | 1.42B | 1.42B | -12.43M | -9.56M | -15.46M | -3.65M | 1.49B | 1.46B |
| Total Equity | 242.52M | 249.1M | 223.51M | 187.73M | 259.84M | 300.94M | 320.57M | 127.79M | 172.13M | 210.35M |
| Equity Growth % | -0.06% | 0.03% | -0.1% | -0.16% | 0.38% | 0.16% | 0.07% | -0.6% | 0.35% | 0.22% |
| Shareholders Equity | 242.52M | 249.1M | 223.51M | 187.73M | 259.84M | 300.94M | 320.57M | 127.79M | 172.13M | 210.35M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | -22.63M | -16.25M | -54.38M | -69.6M | -70.97M | -82.35M | -45.56M | 16.31M | 42.15M | 57.06M |
| Common Stock | 262.57M | 262.57M | 262.57M | 262.98M | 264.7M | 266.05M | 268.75M | 271.33M | 271.86M | 272.98M |
| Accumulated OCI | 13.59M | 13.79M | 26.33M | 5.37M | 77.12M | 128.25M | 117.49M | -137.04M | -118.16M | -95.97M |
| Return on Equity (ROE) | -0.01% | 0.01% | -0.16% | -0.05% | -0.01% | -0.04% | 0.23% | 0.12% | 0.16% | 0.08% |
| Return on Assets (ROA) | -0% | 0% | -0.02% | -0.01% | -0% | -0.01% | 0.04% | 0.02% | 0.01% | 0.01% |
| Equity / Assets | - | - | - | - | - | - | - | - | - | - |
| Debt / Equity | - | - | - | - | - | - | - | - | 0.05x | 0.04x |
| Book Value per Share | 4.84 | 4.97 | 4.46 | 3.74 | 5.23 | 6.09 | 6.35 | 2.51 | 3.40 | 4.15 |
| Tangible BV per Share | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 87.15M | 102.27M | 93.01M | 84.62M | 72.22M | 48.83M | 40.45M | 56.92M | 22.06M | 31.92M |
| Operating CF Growth % | -0.11% | 0.17% | -0.09% | -0.09% | -0.15% | -0.32% | -0.17% | 0.41% | -0.61% | 0.45% |
| Operating CF / Revenue % | - | - | - | - | - | - | - | - | - | - |
| Net Income | -3.58M | 1.97M | -38.13M | -11.06M | -1.37M | -10.99M | 72.71M | -6.64M | 24.44M | 14.91M |
| Depreciation & Amortization | 3.1M | 2.87M | 3.19M | 3.91M | 1.68M | 1.42M | 1.14M | 536K | 1.12M | 619K |
| Stock-Based Compensation | 0 | 0 | 0 | 410K | 2.1M | 2.22M | 646K | 461K | 588K | 1.52M |
| Deferred Taxes | 4.04M | -9.83M | 20.69M | 62.63M | 1.57M | -402K | 1.7M | 124K | 860K | -1.8M |
| Other Non-Cash Items | 9.71M | 12.44M | 570K | 28.43M | 15.17M | 15.34M | -1.34M | 17.14M | -8.66M | -15.53M |
| Working Capital Changes | 73.88M | 94.82M | 85.97M | 300K | 53.08M | 41.24M | -34.4M | 45.3M | 3.71M | 32.2M |
| Cash from Investing | -58.03M | -152.08M | -85M | -85.13M | -69.34M | -61.81M | -41.08M | -60.74M | -14.5M | -27.17M |
| Capital Expenditures | -590K | -2.21M | -1.33M | -724K | -511K | -221K | -1.01M | -100K | -442K | -663K |
| Acquisitions | 0 | 59K | 41K | 89K | 16K | 11K | 0 | 0 | 14.05M | 0 |
| Purchase of Investments | -190.34M | -241.07M | -167.7M | -202.86M | -332.27M | -306.2M | -135.05M | -147.21M | -90.12M | -100.62M |
| Sale/Maturity of Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Investing | -6.1M | -6.08M | -6.99M | -6.99M | -1.17M | -1.3M | 2.04M | 2.63M | -14.05M | 4.15M |
| Cash from Financing | 3M | 2.49M | 2.55M | -58K | -2.17M | 904K | -6.21M | -499K | -3.54M | -2.47M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -23K | 0 | 0 |
| Share Repurchases | 0 | -812K | 0 | 0 | 0 | 0 | -9.09M | -2.71M | -919K | -393K |
| Stock Issued | 0 | 0 | 0 | 0 | 0 | 0 | 2.25M | 2.24M | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | 3M | 2.49M | 2.55M | -58K | -2.17M | 904K | 620K | -15K | -2.62M | -2.08M |
| Net Change in Cash | 32.12M | -47.32M | 10.55M | -572K | 713K | -12.07M | -6.84M | -4.32M | 4.02M | 2.27M |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 50.71M | 82.83M | 35.51M | 46.06M | 45.49M | 46.2M | 34.13M | 27.29M | 22.97M | 27M |
| Cash at End | 82.83M | 35.51M | 46.06M | 45.49M | 46.2M | 34.13M | 27.29M | 22.97M | 27M | 29.27M |
| Free Cash Flow | 86.56M | 100.06M | 91.69M | 83.9M | 71.71M | 48.61M | 39.45M | 56.82M | 21.61M | 31.25M |
| FCF Growth % | -0.11% | 0.16% | -0.08% | -0.08% | -0.15% | -0.32% | -0.19% | 0.44% | -0.62% | 0.45% |
| FCF Margin % | - | - | - | - | - | - | - | - | - | - |
| FCF per Share | 1.73 | 2 | 1.83 | 1.67 | 1.44 | 0.98 | 0.78 | 1.12 | 0.43 | 0.62 |
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Combined Ratio | 100.82% | 97.77% | 101.18% | 99.18% | 97.71% | 105.16% | 87.82% | 88.23% | 19.58% | 93.89% |
| Medical Cost Ratio | 81.2% | 80.55% | 80.34% | 77.05% | 75.95% | 80.35% | 48.86% | 50.63% | 0% | 50.32% |
| Return on Equity (ROE) | -1.26% | 0.8% | -16.13% | -5.38% | -0.61% | -3.92% | 23.4% | 11.6% | 16.3% | 7.8% |
| Return on Assets (ROA) | -0.22% | 0.13% | -2.36% | -0.68% | -0.08% | -0.61% | 3.93% | 1.51% | 1.5% | 0.89% |
| Equity / Assets | 16.34% | 15.73% | 13.59% | 11.62% | 14.89% | 16.33% | 17.29% | 8.03% | 10.31% | 12.48% |
| Book Value / Share | 4.84 | 4.97 | 4.46 | 3.74 | 5.23 | 6.09 | 6.35 | 2.51 | 3.4 | 4.15 |
| Debt / Equity | - | - | - | - | - | - | - | - | 0.05x | 0.04x |
| Revenue Growth | 2.62% | 3.87% | 2.94% | -3.41% | 2.7% | -4.69% | 4.89% | -7.19% | 3.51% | 1.8% |
| 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Home Service Insurance | 59.21M | 60.09M | 61.13M | 59.79M | 61.21M | 59.42M | 62.52M | 61.42M | 59.27M | 56.9M |
| Home Service Insurance Growth | - | 1.49% | 1.72% | -2.18% | 2.38% | -2.93% | 5.21% | -1.76% | -3.50% | -3.99% |
| Life Insurance Segmen | - | - | - | 183.32M | 190.65M | 178.23M | 185.81M | 170.18M | 180.4M | - |
| Life Insurance Segmen Growth | - | - | - | - | 4.00% | -6.51% | 4.25% | -8.42% | 6.01% | - |
| Other Non-Insurance Enterprise | 1.88M | 1.57M | 1.61M | 892K | - | 1.2M | 2.21M | 932K | - | - |
| Other Non-Insurance Enterprise Growth | - | -16.51% | 2.67% | -44.77% | - | - | 84.12% | -57.92% | - | - |
| Life Insurance Product Line | 175.17M | 183.74M | 189.89M | - | - | - | - | - | - | - |
| Life Insurance Product Line Growth | - | 4.89% | 3.34% | - | - | - | - | - | - | - |
Citizens, Inc. (CIA) has a price-to-earnings (P/E) ratio of 18.9x. This is roughly in line with market averages.
Citizens, Inc. (CIA) grew revenue by 1.8% over the past year. Growth has been modest.
Yes, Citizens, Inc. (CIA) is profitable, generating $10.9M in net income for fiscal year 2024 (6.1% net margin).
Citizens, Inc. (CIA) has a return on equity (ROE) of 7.8%. This is below average, suggesting room for improvement.
Citizens, Inc. (CIA) has a combined ratio of 93.9%. A ratio below 100% indicates underwriting profitability.