CIA Citizens Inc

Price (delayed)

$4.31

Market cap

$217.69M

P/E Ratio

5.53

Dividend/share

N/A

EPS

$0.78

Enterprise value

$196.39M

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 gross profit has grown by 8% YoY
The company's net income rose by 6% QoQ
The company's equity fell by 39% QoQ and by 18% YoY

Key stats

What are the main financial stats of CIA
Market
Shares outstanding
50.51M
Market cap
$217.69M
Enterprise value
$196.39M
Valuations
Price to earnings (P/E)
5.53
Price to book (P/B)
1.07
Price to sales (P/S)
0.84
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
0.78
Earnings
Revenue
$250.42M
EBIT
-$4.91M
EBITDA
-$3.93M
Free cash flow
$49.77M
Per share
EPS
$0.78
Free cash flow per share
$1.02
Book value per share
$4.02
Revenue per share
$5.11
TBVPS
$35.35
Balance sheet
Total assets
$1.73B
Total liabilities
$1.54B
Debt
$0
Equity
$196.9M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
5.42
Margins
EBITDA margin
-1.6%
Gross margin
35.5%
Net margin
15.6%
Operating margin
-2%
Efficiency
Return on assets
2.2%
Return on equity
14.8%
Return on invested capital
-0.3%
Return on capital employed
N/A
Return on sales
-2%
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
9.67%
1 week
13.12%
1 month
31.4%
1 year
-20.77%
YTD
-18.83%
QTD
1.65%

Financial performance

How have Citizens's revenue and profit performed over time
Revenue
$250.42M
Gross profit
$88.83M
Operating income
-$4.91M
Net income
$39.03M
Gross margin
35.5%
Net margin
15.6%
The operating margin has surged by 63% year-on-year and by 26% since the previous quarter
The operating income has soared by 62% year-on-year and by 27% since the previous quarter
The gross profit has grown by 8% YoY
The net margin has grown by 6% from the previous quarter

Growth

What is Citizens's growth rate over time

Valuation

What is Citizens stock price valuation
P/E
5.53
P/B
1.07
P/S
0.84
EV/EBIT
N/A
EV/EBITDA
N/A
EV/Sales
0.78
The EPS has grown by 5% from the previous quarter
The company's equity fell by 39% QoQ and by 18% YoY
The stock's price to book (P/B) is 24% less than its 5-year quarterly average of 1.4 but 7% more than its last 4 quarters average of 1.0
CIA's P/S is 40% less than its 5-year quarterly average of 1.4 and 24% less than its last 4 quarters average of 1.1
The revenue is up by 4.9% YoY

Efficiency

How efficient is Citizens business performance
The ROS has soared by 63% YoY and by 26% from the previous quarter
Citizens's return on invested capital has surged by 57% YoY and by 25% QoQ
CIA's return on assets is up by 10% since the previous quarter
CIA's return on equity is up by 10% since the previous quarter

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 13% more than the total liabilities
The total assets has contracted by 7% from the previous quarter and by 2.7% YoY
The debt is 100% less than the equity
The company's equity fell by 39% QoQ and by 18% YoY

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