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CIA Citizens Inc
Price (delayed)
$4.84
Market cap
$241.36M
P/E Ratio
11
Dividend/share
N/A
EPS
$0.44
Enterprise value
$215.02M
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 30% YoY
The revenue is up by 3.4% YoY
CIA's price to earnings (P/E) is 107% higher than its last 4 quarters average of 5.3
The company's net income fell by 22% YoY and by 9% QoQ
Key stats
What are the main financial stats of CIA
Market
Valuations
Earnings
Shares outstanding
49.87M
Market cap
$241.36M
Enterprise value
$215.02M
Price to earnings (P/E)
11
Price to book (P/B)
1.25
Price to sales (P/S)
0.98
EV/EBIT
9.94
EV/EBITDA
9.69
EV/Sales
0.87
Revenue
$246.04M
EBIT
$21.64M
EBITDA
$22.2M
Free cash flow
$20.69M
Per share
Balance sheet
Liquidity
EPS
$0.44
Free cash flow per share
$0.42
Book value per share
$3.86
Revenue per share
$4.96
TBVPS
$33.49
Total assets
$1.66B
Total liabilities
$1.47B
Debt
$0
Equity
$191.47M
Working capital
N/A
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.19
Margins
Efficiency
Dividend
EBITDA margin
9%
Gross margin
40.6%
Net margin
8.9%
Operating margin
8.8%
Return on assets
1.3%
Return on equity
12.3%
Return on invested capital
1.3%
Return on capital employed
N/A
Return on sales
8.8%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
CIA stock price
How has the Citizens stock price performed over time
Intraday
0.21%
1 week
0%
1 month
41.11%
1 year
61.33%
YTD
79.93%
QTD
33.7%
Financial performance
How have Citizens's revenue and profit performed over time
Revenue
$246.04M
Gross profit
$99.87M
Operating income
$21.64M
Net income
$21.94M
Gross margin
40.6%
Net margin
8.9%
The operating margin has declined by 28% year-on-year and by 13% since the previous quarter
The operating income has declined by 25% year-on-year and by 11% since the previous quarter
The net margin has contracted by 25% YoY and by 10% from the previous quarter
The company's net income fell by 22% YoY and by 9% QoQ
Growth
What is Citizens's growth rate over time
Valuation
What is Citizens stock price valuation
P/E
11
P/B
1.25
P/S
0.98
EV/EBIT
9.94
EV/EBITDA
9.69
EV/Sales
0.87
CIA's price to earnings (P/E) is 107% higher than its last 4 quarters average of 5.3
The EPS has contracted by 21% YoY and by 8% from the previous quarter
The stock's price to book (P/B) is 79% more than its last 4 quarters average of 0.7 and 14% more than its 5-year quarterly average of 1.1
The company's equity rose by 30% YoY
CIA's P/S is 94% more than its last 4 quarters average of 0.5 and 8% more than its 5-year quarterly average of 0.9
The revenue is up by 3.4% YoY
Efficiency
How efficient is Citizens business performance
CIA's return on equity has dropped by 55% year-on-year and by 15% since the previous quarter
CIA's return on assets is down by 28% year-on-year and by 13% since the previous quarter
The ROS has contracted by 28% YoY and by 13% from the previous quarter
Citizens's return on invested capital has decreased by 28% YoY and by 13% QoQ
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 grown by 2.4% YoY
The debt is 100% less than the equity
The company's equity rose by 30% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.