Last 48 quarters of trend data · Financial Services · Life & Annuity Insurers
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 24.04 | — | — | 28.26 | 8.05 | 27.93 | 6.71 | — | 13.81 | 16.42 | 8.73 | 5.96 | 3.06 | 13.34 | 5.02 | 9.63 | 20.88 | — | — | — | 1.72 |
| — | — | — | — | -41.7% | +70.0% | -23.1% | — | +351.7% | +23.1% | +73.9% | -38.1% | -85.4% | — | — | — | +1111.3% | — | — | — | -96.4% | |
| P/S Ratio | 0.82 | 0.68 | 1.21 | 1.10 | 0.85 | 1.07 | 0.68 | 1.04 | 0.79 | 0.74 | 0.56 | 0.47 | 0.50 | 0.61 | 0.52 | 0.84 | 0.39 | 0.76 | 1.00 | 0.97 | 0.94 |
| — | -36.5% | +77.2% | +5.8% | +8.4% | +43.4% | +22.8% | +122.0% | +58.1% | +22.6% | +6.9% | -44.2% | +26.4% | -19.7% | -47.7% | -13.9% | -58.1% | -40.4% | -5.2% | -26.9% | -16.8% | |
| P/B Ratio | 0.90 | 0.79 | 1.24 | 1.07 | 1.05 | 1.19 | 0.78 | 1.06 | 0.95 | 0.88 | 0.72 | 0.55 | 0.77 | 0.94 | 0.83 | 1.22 | 0.83 | — | 2.81 | 1.10 | 0.82 |
| — | -33.1% | +60.2% | +1.2% | +10.2% | +34.3% | +7.6% | +91.6% | +22.8% | -6.3% | -13.0% | -54.4% | -6.7% | — | -70.4% | +11.0% | +1.2% | — | +183.1% | -10.8% | -16.0% | |
| P/FCF | 14.36 | 10.52 | 36.36 | — | 6.85 | 14.51 | 13.50 | 90.35 | 4.67 | 4.91 | 7.75 | 4.02 | 5.16 | 11.85 | 6.30 | 6.45 | 1.55 | 2.44 | 5.25 | 4.46 | 3.98 |
| — | -27.5% | +169.3% | — | +46.8% | +195.6% | +74.2% | +2147.8% | -9.5% | -58.6% | +23.0% | -37.7% | +233.0% | +385.8% | +20.1% | +44.6% | -61.1% | -54.0% | -49.6% | -89.2% | -20.2% | |
| EV / EBITDA | 3.10 | 0.88 | — | 23.53 | 6.97 | 13.17 | 5.52 | — | 10.97 | 11.84 | 8.11 | 4.19 | 3.24 | 6.66 | 4.09 | 6.17 | 8.50 | 7.51 | 11.68 | 6.63 | — |
| — | -93.4% | — | — | -36.5% | +11.2% | -31.9% | — | +239.0% | +77.7% | +98.3% | -32.1% | -61.9% | -11.3% | -65.0% | -6.9% | — | — | +19.4% | — | — | |
| EV / EBIT | 10.72 | — | — | 25.22 | 7.15 | 13.74 | 5.67 | — | 11.49 | 12.43 | 8.47 | 4.31 | 3.29 | 6.85 | 4.17 | 6.29 | 8.95 | 7.71 | 12.07 | 6.78 | — |
| — | — | — | — | -37.8% | +10.5% | -33.0% | — | +249.6% | +81.5% | +102.9% | -31.4% | -63.3% | -11.1% | -65.4% | -7.2% | — | — | +14.3% | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 35.4% | 100.0% | 44.1% | 31.9% | 28.1% | 30.5% | 50.9% | 32.5% | 48.8% | 47.6% | 53.7% | 30.3% | 33.2% | 30.3% | 33.4% | 34.1% | 24.2% | 31.6% | 29.6% | 35.3% | 25.0% |
| — | +228.0% | -13.2% | -1.8% | -42.4% | -36.0% | -5.4% | +7.1% | +47.1% | +57.2% | +60.7% | -11.2% | +37.2% | -4.2% | +13.2% | -3.4% | -3.3% | +105.8% | +1.1% | +97.2% | +49.2% | |
| Operating Margin | 6.8% | 77.3% | -0.9% | 4.1% | 10.9% | 7.1% | 10.6% | -3.2% | 5.9% | 4.9% | 5.3% | 8.5% | 13.1% | 7.8% | 10.3% | 12.0% | 3.5% | 8.6% | 7.4% | 13.0% | -9.7% |
| — | +983.3% | -108.2% | +227.0% | +86.4% | +45.0% | +99.7% | -137.6% | -55.4% | -37.0% | -48.5% | -28.9% | +280.0% | -9.0% | +39.9% | -7.4% | +135.4% | +293.8% | -16.2% | +361.8% | -169.5% | |
| Net Margin | 5.7% | -0.6% | -0.7% | 3.9% | 10.2% | 3.8% | 9.9% | -2.9% | 5.7% | 4.5% | 6.4% | 7.9% | 16.1% | 4.5% | 10.5% | 8.7% | 5.0% | 6.1% | 4.6% | 11.6% | 54.6% |
| — | -116.9% | -107.1% | +233.6% | +78.5% | -14.9% | +55.6% | -137.1% | -64.5% | -0.5% | -39.1% | -9.7% | +220.3% | -25.1% | +125.7% | -25.2% | -90.8% | +233.4% | -41.3% | +280.9% | +2204.4% |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 6.6% | -0.2% | -0.2% | 1.0% | 3.2% | 1.1% | 2.9% | -0.8% | 1.7% | 1.4% | 2.0% | 2.5% | 6.6% | 1.8% | 4.1% | 3.5% | 5.9% | 11.0% | 1.8% | 2.5% | 13.0% |
| — | -117.4% | -106.2% | +226.4% | +83.9% | -24.0% | +41.1% | -130.6% | -73.8% | -22.4% | -49.7% | -28.4% | +11.3% | -83.6% | +123.0% | +38.6% | -54.4% | +1148.5% | -7.4% | +289.0% | +2431.1% | |
| ROA | 0.8% | — | -0.0% | 0.1% | 0.4% | 0.1% | 0.4% | -0.1% | 0.2% | 0.2% | 0.2% | 0.3% | 0.7% | 0.2% | 0.4% | 0.3% | 0.2% | 0.2% | 0.1% | 0.4% | 2.1% |
| — | — | -106.4% | +235.5% | +98.3% | -14.8% | +59.0% | -135.1% | -68.2% | -3.0% | -36.6% | -9.6% | +208.7% | -21.5% | +152.5% | -16.1% | -89.6% | +240.4% | -46.8% | +282.4% | +2381.2% | |
| ROIC | 6.5% | 17.1% | -0.2% | 0.8% | 2.8% | 1.6% | 2.5% | -0.7% | 1.6% | 1.3% | 1.5% | 2.3% | 4.5% | 2.7% | 3.5% | 4.2% | 5.0% | 38.9% | 2.6% | 2.2% | -1.9% |
| — | +947.2% | -107.1% | +216.2% | +80.5% | +21.8% | +73.1% | -131.1% | -65.5% | -49.6% | -57.6% | -46.0% | -9.4% | -93.2% | +33.8% | +86.8% | +364.2% | +4606.2% | +42.1% | +365.8% | -180.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | — | — | — | — | — | — | — | — | — | — | 0.05 | — | — | — | — | — | — | — | 0.03 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Debt / EBITDA | — | — | — | — | — | — | — | — | — | — | — | — | 1.02 | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | |
| Current Ratio | 1.93 | — | — | 1.68 | 1.93 | — | 1.70 | 1.65 | 2.82 | 4.87 | — | — | 8.78 | — | — | — | — | — | — | — | 103.84 |
| — | — | — | +1.4% | -31.8% | — | — | — | -67.9% | — | — | — | — | — | — | — | — | — | — | — | — | |
| Quick Ratio | 1.93 | — | — | 1.68 | 1.93 | — | 1.70 | 1.65 | 2.82 | 4.87 | — | — | 177.79 | — | — | — | — | — | — | — | 103.84 |
| — | — | — | +1.4% | -31.8% | — | — | — | -98.4% | — | — | — | — | — | — | — | — | — | — | — | — | |
| Interest Coverage | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 48 years · Updated daily
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Quick answers to the most common questions about buying CIA stock.
Citizens, Inc.'s current P/E is 24.0x. The average P/E over the last 2 quarters is 18.2x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Citizens, Inc.'s current operating margin is 6.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Citizens, Inc.'s business trajectory between earnings reports.