CIA Citizens Inc

  1. Stocks
  2. Financial Services
  3. NYSE: CIA

Price (delayed)

$2.03

Market cap

$100.63M

P/E Ratio

4.14

Dividend/share

N/A

EPS

$0.49

Enterprise value

$72.09M

Citizens, Inc. is a financial services company. The Company utilizes a three-pronged strategy for growth based upon worldwide sales of U.S. Dollar-denominated whole life cash value insurance policies, life insurance ...

Highlights
The company's equity rose by 35% YoY and by 13% QoQ
CIA's price to earnings (P/E) is 26% lower than its last 4 quarters average of 5.6
The company's net income fell by 11% QoQ and by 6% YoY
The EPS has contracted by 11% from the previous quarter and by 6% YoY
Sector: Financial Services
Industry: Insurance - Life
Website: http://www.citizensinc.com
Peers: SNFCA RGA AFL

Key stats

What are the main financial stats of CIA
Market
Shares outstanding
49.57M
Market cap
$100.63M
Enterprise value
$72.09M
Valuations
Price to earnings (P/E)
4.14
Price to book (P/B)
0.58
Price to sales (P/S)
0.42
EV/EBIT
2.75
EV/EBITDA
2.7
EV/Sales
0.3
Earnings
Revenue
$240.68M
EBIT
$26.17M
EBITDA
$26.69M
Free cash flow
$21.61M
Per share
EPS
$0.49
Free cash flow per share
$0.44
Book value per share
$3.47
Revenue per share
$4.86
TBVPS
$33.68
Balance sheet
Total assets
$1.67B
Total liabilities
$1.5B
Debt
$0
Equity
$172.13M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.07
Margins
EBITDA margin
11.1%
Gross margin
41.7%
Net margin
10.2%
Operating margin
10.9%
Efficiency
Return on assets
1.5%
Return on equity
15.6%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
10.9%
Dividend
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

CIA stock price

How has the Citizens stock price performed over time
Intraday
1%
1 week
5.73%
1 month
-5.58%
1 year
-10.57%
YTD
-24.54%
QTD
-5.14%

Financial performance

How have Citizens's revenue and profit performed over time
Revenue
$240.68M
Gross profit
$100.31M
Operating income
$26.17M
Net income
$24.44M
Gross margin
41.7%
Net margin
10.2%
The company's net income fell by 11% QoQ and by 6% YoY
The net margin has contracted by 10% from the previous quarter and by 9% YoY
The operating income has declined by 9% since the previous quarter and by 4.4% year-on-year
The operating margin has declined by 9% since the previous quarter and by 8% year-on-year

Growth

What is Citizens's growth rate over time

Valuation

What is Citizens stock price valuation
P/E
4.14
P/B
0.58
P/S
0.42
EV/EBIT
2.75
EV/EBITDA
2.7
EV/Sales
0.3
CIA's price to earnings (P/E) is 26% lower than its last 4 quarters average of 5.6
The EPS has contracted by 11% from the previous quarter and by 6% YoY
The stock's price to book (P/B) is 52% less than its 5-year quarterly average of 1.2 and 36% less than its last 4 quarters average of 0.9
The company's equity rose by 35% YoY and by 13% QoQ
CIA's P/S is 58% less than its 5-year quarterly average of 1.0 and 30% less than its last 4 quarters average of 0.6
The revenue is up by 3.5% YoY

Efficiency

How efficient is Citizens business performance
CIA's return on equity is down by 42% year-on-year and by 17% since the previous quarter
CIA's return on assets is down by 12% since the previous quarter and by 6% year-on-year
Citizens's return on invested capital has decreased by 11% QoQ and by 6% YoY
The ROS has contracted by 9% from the previous quarter and by 8% YoY

Dividends

What is CIA's dividend
DPS
N/A
Dividend yield
N/A
Payout ratio
N/A

There are no recent dividends present for CIA.

Financial health

How did Citizens financials performed over time
The total assets is 11% more than the total liabilities
The total assets has grown by 7% from the previous quarter and by 4.9% YoY
The total liabilities is up by 6% since the previous quarter and by 2.3% year-on-year
The debt is 100% less than the equity
The company's equity rose by 35% YoY and by 13% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.