CIA Citizens Inc

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

Price (delayed)

$3.76

Market cap

$190.42M

P/E Ratio

16.35

Dividend/share

N/A

EPS

$0.23

Enterprise value

$173.46M

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Relative Growth: Rel. Growth: 18
Relative Strength: Rel. Strength: 10
Relative Valuation: Rel. Valuation: 73
Relative Profitability: Rel. Profitability: 40

Citizens, Inc. is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, ...

Highlights
The revenue is up by 3.7% YoY
The company's equity rose by 2.7% YoY
CIA's price to earnings (P/E) is 64% higher than its 5-year quarterly average of 10.0 but 19% lower than its last 4 quarters average of 20.1
The company's net income fell by 37% QoQ but it rose by 3.1% YoY
The EPS has contracted by 38% from the previous quarter
Sector: Financial Services
Industry: Insurance - Life
Website: http://www.citizensinc.com
Peers: SNFCA AFL RGA

Key stats

What are the main financial stats of CIA

CIA stock price

How has the Citizens stock price performed over time
Intraday
-1.05%
1 week
-5.29%
1 month
-28.11%
1 year
-25.1%
YTD
-22.15%
QTD
-34.49%

Financial performance

How have Citizens's revenue and profit performed over time
Revenue
$255.01M
Gross profit
$95.65M
Operating income
$14.19M
Net income
$11.6M
Gross margin
37.5%
Net margin
4.5%
The net margin has contracted by 37% from the previous quarter and by 2.2% YoY
The company's net income fell by 37% QoQ but it rose by 3.1% YoY
The operating income has declined by 34% since the previous quarter but it has grown by 19% year-on-year
The operating margin has declined by 33% since the previous quarter but it is up by 17% year-on-year

Price vs fundamentals

How does CIA's price correlate with its fundamentals

Growth

What is Citizens's growth rate over time

Valuation

What is Citizens stock price valuation
CIA P/E details
P/E
16.35
P/B
0.81
P/S
0.75
EV/EBIT
12.23
EV/EBITDA
11.61
EV/Sales
0.68
CIA's price to earnings (P/E) is 64% higher than its 5-year quarterly average of 10.0 but 19% lower than its last 4 quarters average of 20.1
The EPS has contracted by 38% from the previous quarter
The stock's price to book (P/B) is 26% less than its last 4 quarters average of 1.1 and 19% less than its 5-year quarterly average of 1.0
The company's equity rose by 2.7% YoY
CIA's P/S is 25% less than its last 4 quarters average of 1.0 and 6% less than its 5-year quarterly average of 0.8
The revenue is up by 3.7% YoY

Efficiency

How efficient is Citizens business performance
CIA's return on equity is down by 38% since the previous quarter and by 3.8% year-on-year
Citizens's return on invested capital has decreased by 38% QoQ but it has increased by 14% YoY
CIA's return on assets is down by 36% since the previous quarter
The ROS has contracted by 33% from the previous quarter but it has grown by 17% 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 16% more than the total liabilities
The total liabilities is up by 2.3% year-on-year
The total assets has grown by 2.3% YoY
The debt is 100% less than the equity
The company's equity rose by 2.7% YoY

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