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CIA Citizens Inc
- Stocks
- Financial Services
- NYSE: CIA
Price (delayed)
$4.01
Market cap
$200.13M
P/E Ratio
13.37
Dividend/share
N/A
EPS
$0.3
Enterprise value
$170.71M
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 22% YoY
CIA's price to earnings (P/E) is 65% higher than its last 4 quarters average of 8.1
The company's net income fell by 39% YoY and by 32% QoQ
Key stats
What are the main financial stats of CIA
Market
Valuations
Earnings
Shares outstanding
49.91M
Market cap
$200.13M
Enterprise value
$170.71M
Price to earnings (P/E)
13.37
Price to book (P/B)
0.95
Price to sales (P/S)
0.82
EV/EBIT
11.4
EV/EBITDA
10.94
EV/Sales
0.7
Revenue
$245M
Gross profit
$93.09M
Operating income
$14.98M
Net income
$14.91M
EBIT
$14.98M
EBITDA
$15.6M
Free cash flow
$31.26M
Per share
Balance sheet
Liquidity
EPS
$0.3
EPS diluted
$0.29
Free cash flow per share
$0.63
Book value per share
$4.21
Revenue per share
$4.91
TBVPS
$33.77
Total assets
$1.69B
Total liabilities
$1.47B
Debt
$0
Equity
$210.36M
Working capital
N/A
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.89
Margins
Efficiency
Dividend
EBITDA margin
6.4%
Gross margin
38%
Net margin
6.1%
Operating margin
6.1%
Return on assets
0.9%
Return on equity
7.4%
Return on invested capital
0.9%
Return on capital employed
N/A
Return on sales
6.1%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
CIA stock price
How has the Citizens stock price performed over time
Intraday
5.25%
1 week
-1.47%
1 month
6.93%
1 year
69.2%
YTD
0%
QTD
-11.87%
Financial performance
How have Citizens's revenue and profit performed over time
Revenue
$245M
Gross profit
$93.09M
Operating income
$14.98M
Net income
$14.91M
Gross margin
38%
Net margin
6.1%
The operating margin has declined by 44% year-on-year and by 25% since the previous quarter
The operating income has declined by 43% year-on-year and by 25% since the previous quarter
The net margin has contracted by 40% YoY and by 31% from the previous quarter
The company's net income fell by 39% YoY and by 32% QoQ
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
P/E
13.37
P/B
0.95
P/S
0.82
EV/EBIT
11.4
EV/EBITDA
10.94
EV/Sales
0.7
CIA's price to earnings (P/E) is 65% higher than its last 4 quarters average of 8.1
The EPS has contracted by 39% YoY and by 32% from the previous quarter
The company's equity rose by 22% YoY
The stock's price to book (P/B) is 19% more than its last 4 quarters average of 0.8 but 5% less than its 5-year quarterly average of 1.0
CIA's P/S is 37% more than its last 4 quarters average of 0.6 but 9% less than its 5-year quarterly average of 0.9
Efficiency
How efficient is Citizens business performance
CIA's return on equity has dropped by 53% year-on-year and by 36% since the previous quarter
The ROS has contracted by 44% YoY and by 25% from the previous quarter
Citizens's return on invested capital has decreased by 44% YoY and by 25% QoQ
CIA's return on assets is down by 40% year-on-year and by 31% 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 14% more than the total liabilities
The total assets has contracted by 2.9% from the previous quarter
The total liabilities has declined by 3.5% since the previous quarter
The debt is 100% less than the equity
The company's equity rose by 22% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.