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Citizens, Inc.(CIA)Earnings, Financials & Key Ratios
CIA•NYSE•Insurance & Managed Care
$6.38
22.0× P/E·Price updated Jun 27, 2026
SectorFinancial ServicesIndustryLife InsuranceSub-IndustryIndividual life and final expense insurers
AboutCitizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.Show more
- Revenue$256M+4.3%
- Combined Ratio93.17%-0.8%
- Net Income$15M-2.2%
- Return on Equity6.55%-16.0%
- Medical Cost Ratio64.56%+28.3%
- Operating Margin6.83%+11.8%
- Net Margin5.71%-6.2%
- ROA0.85%-4.6%
- Equity / Assets13.39%+7.3%
CIA Price & Volume
Citizens, Inc. (CIA) stock price & volume — 10-year historical chart
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Persistent Underwriting Volatility Masks Niche Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Stable
Profitability:Strained
Financial:Adequate
Cash Flow:Mixed
Primary Risk:International lapse rate volatility
Key Thesis Takeaways
- Citizens, Inc.
- maintains a stable niche in international USD-denominated life insurance, yet its fundamental outlook is constrained by significant underwriting volatility and thin margins.
- While the company has grown its equity base to $238.7 million as of 2026Q1, the lack of meaningful investment float and inconsistent cash flow generation limit its financial flexibility.
- Investors should monitor the company's ability to stabilize its combined ratio, which reached a concerning 103.2% in 2025Q1, before expecting a sustained improvement in shareholder value.
Verdict Logic
the company's current P/B ratio of 1.38 and inconsistent profitability metrics suggest that the risks associated with underwriting volatility and liquidity constraints currently outweigh the modest growth profile.
CIA Growth Metrics
Citizens, Inc. (CIA) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years0.79%
5 Years1.37%
3 Years3.21%
TTM6.28%
Profit CAGR
10 Years-
5 Years-
3 Years-17.52%
TTM111.3%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM114.62%
Return on Capital
10 Years1.71%
5 Years3.42%
3 Years4.63%
Last Year1.03%
CIA Recent Earnings
Citizens, Inc. (CIA) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (50%)●Beat Revenue 2/12 qtrs (25%)
Q2 2026Latest
May 7, 2026Metric
Actual
Est
EPS
$0.03-40.0%
$0.05
Rev
$59M+0.0%
$59M
Q2 2026
Mar 12, 2026Metric
Actual
Est
EPS
$0.11+37.5%
$0.08
Rev
$70M+3.4%
$68M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.07+16.7%
$0.06
Rev
$63M-7.5%
$68M
Q2 2025
May 8, 2025Metric
Actual
Est
EPS
$0.02-60.0%
$0.05
Rev
$56M-11.9%
$63M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 7, 2026 | $0.03vs $0.05-40.0% | $59Mvs $59M+0.0% |
| Q2 2026 | Mar 12, 2026 | $0.11vs $0.08+37.5% | $70Mvs $68M+3.4% |
| Q4 2025 | Nov 6, 2025 | $0.07vs $0.06+16.7% | $63Mvs $68M-7.5% |
| Q2 2025 | May 8, 2025 | $0.02vs $0.05-60.0% | $56Mvs $63M-11.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Citizens, Inc. (CIA)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $6.38 | $322.53M | 22.00 | 4.33% | 5.71% | 6.55% | — | |
| $9.93 | $211.41M | 7.88 | 4106.21% | 20.78% | 8.95% | — | |
| $23.15 | $1.44B | 12.18 | 50.13% | 50.89% | 11.68% | — | |
| $25.03 | $359.21M | 14.30 | 2.02% | 7.45% | 0.02% | — | |
| $179.31 | $13.92B | 12.75 | 3.82% | 19.37% | 20.32% | — | |
| $52.52 | $4.9B | 22.35 | 0.94% | 5.44% | 9.56% | — |
Compare CIA vs Peers
Citizens, Inc. (CIA) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CIA SEC Filings & Documents
Citizens, Inc. (CIA) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CIA Frequently Asked Questions
Citizens, Inc. (CIA) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Citizens, Inc. growing?
Citizens, Inc. (CIA) grew revenue by 4.3% over the past year. Growth has been modest.
Is CIA profitable?
Yes, Citizens, Inc. (CIA) is profitable, generating $18.5M in net income for fiscal year 2025 (5.7% net margin).
Dividend & Returns
What is CIA's return on equity?
Citizens, Inc. (CIA) has a return on equity (ROE) of 6.6%. This is below average, suggesting room for improvement.
Industry Metrics
What is Citizens, Inc.'s combined ratio?
Citizens, Inc. (CIA) has a combined ratio of 93.2%. A ratio below 100% indicates underwriting profitability.