CIA Citizens Inc

Price (delayed)

$4.32

Market cap

$215.6M

P/E Ratio

14.4

Dividend/share

N/A

EPS

$0.3

Enterprise value

$186.18M

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 79% higher than its last 4 quarters average of 8.1
The EPS has contracted by 39% YoY and by 32% from the previous quarter

Key stats

What are the main financial stats of CIA
Market
Shares outstanding
49.91M
Market cap
$215.6M
Enterprise value
$186.18M
Valuations
Price to earnings (P/E)
14.4
Price to book (P/B)
1.02
Price to sales (P/S)
0.88
EV/EBIT
12.43
EV/EBITDA
11.94
EV/Sales
0.76
Earnings
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
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
Balance sheet
Total assets
$1.69B
Total liabilities
$1.47B
Debt
$0
Equity
$210.36M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.89
Margins
EBITDA margin
6.4%
Gross margin
38%
Net margin
6.1%
Operating margin
6.1%
Efficiency
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
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A

CIA stock price

How has the Citizens stock price performed over time
Intraday
-0.92%
1 week
2.86%
1 month
-15.79%
1 year
112.81%
YTD
7.73%
QTD
-5.05%

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

Growth

What is Citizens's growth rate over time

Valuation

What is Citizens stock price valuation
P/E
14.4
P/B
1.02
P/S
0.88
EV/EBIT
12.43
EV/EBITDA
11.94
EV/Sales
0.76
CIA's price to earnings (P/E) is 79% 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 stock's price to book (P/B) is 29% more than its last 4 quarters average of 0.8 and 3% more than its 5-year quarterly average of 1.0
The company's equity rose by 22% YoY
CIA's P/S is 48% more than its last 4 quarters average of 0.6

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
Citizens's return on invested capital has decreased by 44% YoY and by 25% QoQ
The ROS has contracted by 44% YoY and by 25% from the previous quarter
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. Data from and Sharadar.