Citizens, Inc. (CIA) quarterly income statement — complete revenue, gross profit & net income history
Citizens, Inc. (CIA) annual income statement — 30-year revenue, gross profit & net income history
| Metric | 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 |
|---|
| Revenue | 65.04M | 60.41M | 58.23M | 72.07M | 62.81M | 65.09M | 55.65M | 63.47M | 61.73M | 62.08M | 57.71M | 66.85M | 59.39M | 58.53M | 55.91M | 67.26M | 56.18M | 53.73M | 55.36M | 69.91M |
| Revenue Growth % | 3.55% | -7.19% | 4.63% | 13.54% | 1.74% | 4.84% | -3.57% | -5.05% | 3.94% | 6.08% | 3.22% | -0.61% | 5.72% | 8.92% | 1.01% | -3.79% | -8.78% | -15.46% | -0.23% | 7.6% |
| Medical Costs & Claims | 0 | 33.75M | 39.65M | 51.8M | 43.66M | 31.99M | 37.58M | 32.48M | 32.32M | 28.72M | 40.21M | 44.66M | 41.39M | 38.95M | 36.83M | 50.99M | 38.41M | 37.85M | 35.8M | 52.42M |
| Medical Cost Ratio % | 0% | 55.87% | 68.1% | 71.87% | 69.52% | 49.15% | 67.52% | 51.17% | 52.36% | 46.26% | 69.68% | 66.81% | 69.69% | 66.56% | 65.87% | 75.81% | 68.37% | 70.45% | 64.66% | 74.98% |
| Gross Profit | 65.04M | 26.66M | 18.57M | 20.27M | 19.15M | 33.1M | 18.08M | 31M | 29.41M | 33.36M | 17.5M | 22.19M | 18M | 19.57M | 19.08M | 16.27M | 17.77M | 15.88M | 19.56M | 17.49M |
| Gross Margin % | 100% | 44.13% | 31.9% | 28.13% | 30.48% | 50.85% | 32.48% | 48.83% | 47.64% | 53.74% | 30.32% | 33.19% | 30.31% | 33.44% | 34.13% | 24.19% | 31.63% | 29.55% | 35.34% | 25.02% |
| Gross Profit Growth % | 239.68% | -19.46% | 2.74% | -34.6% | -34.89% | -0.8% | 3.3% | 39.7% | 63.35% | 70.46% | -8.3% | 36.39% | 1.32% | 23.25% | -2.44% | -6.99% | 87.74% | -14.52% | 96.79% | 60.56% |
| Operating Expenses | 14.79M | 27.19M | 16.2M | 12.41M | 14.67M | 26.18M | 19.86M | 27.28M | 26.37M | 30.06M | 12.57M | 13.41M | 13.36M | 13.53M | 12.37M | 13.94M | 12.95M | 11.91M | 12.38M | 24.3M |
| OpEx / Revenue % | 22.75% | 45% | 27.82% | 17.21% | 23.35% | 40.23% | 35.69% | 42.98% | 42.72% | 48.42% | 21.79% | 20.06% | 22.5% | 23.12% | 22.12% | 20.73% | 23.05% | 22.17% | 22.37% | 34.76% |
| Depreciation & Amortization | 0 | 180K | 171K | 206K | 192K | 182K | 161K | 176K | 152K | 147K | 144K | 135K | 132K | 126K | 122K | 123K | 125K | 135K | 153K | 186K |
| Combined Ratio % | 22.75% | 100.88% | 95.92% | 89.09% | 92.87% | 89.38% | 103.21% | 94.15% | 95.08% | 94.68% | 91.47% | 86.87% | 92.19% | 89.67% | 87.99% | 96.55% | 91.42% | 92.62% | 87.03% | 109.75% |
| Operating Income | 50.24M | -529K | 2.37M | 7.86M | 4.48M | 6.91M | -1.79M | 3.72M | 3.04M | 3.3M | 4.92M | 8.77M | 4.64M | 6.04M | 6.71M | 2.32M | 4.82M | 3.97M | 7.18M | -6.81M |
| Operating Margin % | 77.25% | -0.88% | 4.08% | 10.91% | 7.13% | 10.62% | -3.21% | 5.85% | 4.92% | 5.32% | 8.53% | 13.13% | 7.81% | 10.33% | 12.01% | 3.45% | 8.58% | 7.38% | 12.97% | -9.75% |
| Operating Income Growth % | 1021.75% | -107.65% | 232.85% | 111.63% | 47.48% | 109.39% | -136.28% | -57.65% | -34.56% | -45.37% | -26.66% | 277.7% | -3.75% | 52.4% | -6.45% | 134.1% | 276.82% | -29.18% | 361.21% | -190.04% |
| EBITDA | 50.24M | -349K | 2.54M | 8.07M | 4.67M | 7.1M | -1.63M | 3.89M | 3.19M | 3.45M | 5.07M | 8.91M | 4.77M | 6.17M | 6.84M | 2.45M | 4.95M | 4.1M | 7.33M | -6.63M |
| EBITDA Margin % | 77.25% | -0.58% | 4.37% | 11.2% | 7.44% | 10.9% | -2.92% | 6.13% | 5.17% | 5.56% | 8.78% | 13.33% | 8.04% | 10.54% | 12.23% | 3.64% | 8.81% | 7.63% | 13.24% | -9.48% |
| Interest Expense | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Non-Operating Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Pretax Income | 142K | -529K | 2.37M | 7.86M | 4.48M | 6.91M | -1.79M | 3.72M | 3.04M | 3.3M | 4.92M | 8.77M | 4.64M | 6.04M | 6.71M | 2.32M | 4.82M | 3.97M | 7.18M | -6.81M |
| Pretax Margin % | 0.22% | -0.88% | 4.08% | 10.91% | 7.13% | 10.62% | -3.21% | 5.85% | 4.92% | 5.32% | 8.53% | 13.13% | 7.81% | 10.33% | 12.01% | 3.45% | 8.58% | 7.38% | 12.97% | -9.75% |
| Income Tax | 564K | -104K | 106K | 526K | 2.06M | 455K | -164K | 95K | 247K | -657K | 383K | -1.97M | 1.94M | -82K | 1.84M | -1.05M | 1.42M | 1.47M | 729K | -44.95M |
| Effective Tax Rate % | 397.18% | 19.66% | 4.47% | 6.69% | 46.04% | 6.58% | 9.18% | 2.56% | 8.13% | -19.9% | 7.78% | -22.42% | 41.87% | -1.36% | 27.45% | -45.24% | 29.34% | 37.17% | 10.16% | 659.77% |
| Net Income | -422K | -425K | 2.27M | 7.34M | 2.42M | 6.46M | -1.62M | 3.62M | 2.79M | 3.96M | 4.54M | 10.74M | 2.7M | 6.13M | 4.87M | 3.37M | 3.41M | 2.49M | 6.45M | 38.14M |
| Net Margin % | -0.65% | -0.7% | 3.9% | 10.18% | 3.85% | 9.92% | -2.92% | 5.7% | 4.52% | 6.38% | 7.87% | 16.07% | 4.54% | 10.47% | 8.71% | 5.02% | 6.06% | 4.64% | 11.65% | 54.55% |
| Net Income Growth % | -117.46% | -106.58% | 239.74% | 102.65% | -13.37% | 63.15% | -135.73% | -66.29% | 3.41% | -35.37% | -6.77% | 218.35% | -20.81% | 145.83% | -24.45% | -91.15% | 221.72% | -50.38% | 280.49% | 2379.65% |
| EPS (Diluted) | -0.01 | -0.01 | 0.04 | 0.15 | 0.05 | 0.13 | -0.03 | 0.07 | 0.06 | 0.08 | 0.09 | 0.22 | 0.05 | 0.12 | 0.10 | 0.03 | -0.10 | -0.07 | -0.03 | 0.77 |
| EPS Growth % | -117.66% | -106.38% | 236.92% | 106.61% | -14.7% | 66.88% | -136.19% | -67% | 3.18% | -35.08% | -6.75% | 762.75% | 153.4% | 272.66% | 467.56% | -96.69% | -79.53% | -169.5% | 62.52% | 2466.67% |
| EPS (Basic) | -0.01 | -0.01 | 0.05 | 0.15 | 0.05 | 0.13 | -0.03 | 0.07 | 0.06 | 0.08 | 0.09 | 0.22 | 0.05 | 0.12 | 0.10 | 0.03 | -0.10 | -0.07 | -0.03 | 0.77 |
| Diluted Shares Outstanding | 50.98M | 50.98M | 50.98M | 50.98M | 50.98M | 50.98M | 50.91M | 49.91M | 50.67M | 50.81M | 50.56M | 49.55M | 50.52M | 50.55M | 50.61M | 49.82M | 50.8M | 51.06M | 50.91M | 49.53M |