CIA Citizens Inc

Price (delayed)

$2.8

Market cap

$138.97M

P/E Ratio

5.83

Dividend/share

N/A

EPS

$0.48

Enterprise value

$115.73M

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 27% YoY and by 13% QoQ
The revenue is up by 4% YoY
CIA's price to earnings (P/E) is 19% higher than its last 4 quarters average of 4.9
The company's gross margin fell by 4.3% YoY and by 2.9% QoQ

Key stats

What are the main financial stats of CIA
Market
Shares outstanding
49.63M
Market cap
$138.97M
Enterprise value
$115.73M
Valuations
Price to earnings (P/E)
5.83
Price to book (P/B)
0.71
Price to sales (P/S)
0.57
EV/EBIT
4.75
EV/EBITDA
4.64
EV/Sales
0.48
Earnings
Revenue
$242.48M
EBIT
$24.38M
EBITDA
$24.92M
Free cash flow
$21.06M
Per share
EPS
$0.48
Free cash flow per share
$0.42
Book value per share
$3.94
Revenue per share
$4.89
TBVPS
$33.6
Balance sheet
Total assets
$1.67B
Total liabilities
$1.47B
Debt
$0
Equity
$195.18M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.93
Margins
EBITDA margin
10.3%
Gross margin
40.5%
Net margin
9.9%
Operating margin
10.1%
Efficiency
Return on assets
1.5%
Return on equity
14.5%
Return on invested capital
1.5%
Return on capital employed
N/A
Return on sales
10.1%
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
1.82%
1 week
2.56%
1 month
-10.54%
1 year
6.46%
YTD
4.09%
QTD
2.94%

Financial performance

How have Citizens's revenue and profit performed over time
Revenue
$242.48M
Gross profit
$98.3M
Operating income
$24.38M
Net income
$24.11M
Gross margin
40.5%
Net margin
9.9%
The operating margin has declined by 12% year-on-year and by 7% since the previous quarter
The operating income has declined by 9% year-on-year and by 7% since the previous quarter
The net margin has contracted by 6% YoY and by 2.9% from the previous quarter
The company's gross margin fell by 4.3% YoY and by 2.9% QoQ

Growth

What is Citizens's growth rate over time

Valuation

What is Citizens stock price valuation
P/E
5.83
P/B
0.71
P/S
0.57
EV/EBIT
4.75
EV/EBITDA
4.64
EV/Sales
0.48
CIA's price to earnings (P/E) is 19% higher than its last 4 quarters average of 4.9
The EPS has contracted by 2% from the previous quarter and by 2% YoY
The stock's price to book (P/B) is 35% less than its 5-year quarterly average of 1.1 and 11% less than its last 4 quarters average of 0.8
The company's equity rose by 27% YoY and by 13% QoQ
CIA's P/S is 43% less than its 5-year quarterly average of 1.0 but 14% more than its last 4 quarters average of 0.5
The revenue is up by 4% YoY

Efficiency

How efficient is Citizens business performance
CIA's return on equity is down by 49% year-on-year and by 7% since the previous quarter
The ROS has contracted by 12% YoY and by 7% from the previous quarter
Citizens's return on invested capital has decreased by 12% YoY and by 6% 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 debt is 100% less than the equity
The company's equity rose by 27% YoY and by 13% QoQ

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