Citizens, Inc. (CIA) P/E Ratio History
Historical price-to-earnings valuation from 1990 to 2025
Loading P/E history...
CIA Valuation Context
How does the current P/E compare to historical and market benchmarks?
P/E Ratio Analysis
As of May 8, 2026, Citizens, Inc. (CIA) trades at a price-to-earnings ratio of 19.5x, with a stock price of $5.66 and trailing twelve-month earnings per share of $0.29.
The current P/E is 79% below its 5-year average of 94.5x. Over the past five years, CIA's P/E has ranged from a low of 4.4x to a high of 1411.4x, placing the current valuation at the 65th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.1x, CIA trades at a 48% premium to its sector peers. The sector includes 775 companies with P/E ratios ranging from 0.0x to 195.8x.
Relative to the broader market, CIA trades at a notable discount to the S&P 500 median P/E of 25.1x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our CIA DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
CIA P/E vs Peers
P/E ratio compared to closely matched public peers
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $251M | 7.9Lowest | - | +19% | |
| $1B | 16.3 | - | -28% | |
| $392M | 15.6 | - | -44% | |
| $12B | 10.8 | 0.70 | +18% | |
| $4B | 19.5 | 8.97 | -37% | |
| $4B | 14.4 | - | -61% | |
| $9B | 11.9 | 0.62Best | +67%Best | |
| $85B | 21.3 | 1.11 | +9% | |
| $67B | 18.4 | 1.23 | +36% | |
| $20B | 18.4 | 1.38 | -9% |
Peers sorted by market capitalization. P/E below peers may indicate undervaluation or lower growth expectations. Consider PEG ratio for growth-adjusted comparison.
CIA Historical P/E Data (1990–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Date | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Wed Dec 31 2025 00:00:00 GM | $4.83 | $0.29 | 16.4x | -78% |
| FY2025 Q3 | $5.25 | $0.22 | 24.2x | -67% | |
| FY2025 Q2 | Mon Jun 30 2025 00:00:00 GM | $3.49 | $0.23 | 15.5x | -79% |
| FY2025 Q1 | Mon Mar 31 2025 00:00:00 GM | $4.55 | $0.17 | 26.3x | -65% |
| FY2024 Q4 | $4.01 | $0.30 | 13.6x | -82% | |
| FY2024 Q3 | Mon Sep 30 2024 00:00:00 GM | $3.62 | $0.44 | 8.2x | -89% |
| FY2024 Q2 | Sun Jun 30 2024 00:00:00 GM | $2.72 | $0.44 | 6.2x | -92% |
| FY2024 Q1 | Sun Mar 31 2024 00:00:00 GM | $2.14 | $0.48 | 4.4x | -94% |
| FY2023 Q4 | Sun Dec 31 2023 00:00:00 GM | $2.69 | $0.49 | 5.5x | -93% |
| FY2023 Q3 | Sat Sep 30 2023 00:00:00 GM | $2.85 | $0.30 | 9.7x | -87% |
| FY2023 Q2 | Fri Jun 30 2023 00:00:00 GM | $2.41 | $0.14 | 17.0x | -77% |
| FY2022 Q3 | Fri Sep 30 2022 00:00:00 GM | $3.34 | $0.57 | 5.8x | -92% |
Average P/E for displayed period: 74.1x
See CIA's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs CIA Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare CIA vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonCIA — Frequently Asked Questions
Quick answers to the most common questions about buying CIA stock.
Is CIA stock overvalued or undervalued?
CIA trades at 19.5x P/E, below its 5-year average of 94.5x. At the 65th percentile of historical range, the stock is priced at a discount to its own history.
How does CIA's valuation compare to peers?
Citizens, Inc. P/E of 19.5x compares to sector median of 13.1x. The premium reflects expected growth above peers.
What is CIA's PEG ratio?
CIA PEG ratio is N/A. Above 2.0 indicates premium valuation relative to growth rate. Historical P/E data spans 1990-2025.