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CIA Citizens Inc
Price (delayed)
$4
Market cap
$199.63M
P/E Ratio
9.09
Dividend/share
N/A
EPS
$0.44
Enterprise value
$167.24M
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 36% YoY and by 8% QoQ
The revenue is up by 3% YoY
CIA's price to earnings (P/E) is 49% higher than its last 4 quarters average of 6.1
The EPS has contracted by 20% YoY
Key stats
What are the main financial stats of CIA
Market
Valuations
Earnings
Shares outstanding
49.91M
Market cap
$199.63M
Enterprise value
$167.24M
Price to book (P/B)
0.96
Price to sales (P/S)
0.8
EV/EBIT
8.35
EV/EBITDA
8.11
EV/Sales
0.67
Revenue
$248.38M
Gross profit
$99.07M
Net income
$22.03M
EBIT
$20.04M
EBITDA
$20.62M
Free cash flow
$26.99M
Per share
Balance sheet
Liquidity
EPS
$0.44
EPS diluted
$0.43
Free cash flow per share
$0.54
Book value per share
$4.16
Revenue per share
$4.98
TBVPS
$34.81
Total assets
$1.74B
Total liabilities
$1.53B
Debt
$0
Equity
$207.57M
Working capital
N/A
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-1.57
Margins
Efficiency
Dividend
EBITDA margin
8.3%
Gross margin
39.9%
Net margin
8.9%
Operating margin
8.1%
Return on assets
1.3%
Return on equity
11.5%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
8.1%
Dividend yield
N/A
DPS
N/A
Payout ratio
N/A
CIA stock price
How has the Citizens stock price performed over time
Intraday
2.3%
1 week
-3.38%
1 month
-13.98%
1 year
39.37%
YTD
48.7%
QTD
10.5%
Financial performance
How have Citizens's revenue and profit performed over time
Revenue
$248.38M
Gross profit
$99.07M
Operating income
$20.04M
Net income
$22.03M
Gross margin
39.9%
Net margin
8.9%
The operating margin has declined by 33% year-on-year and by 8% since the previous quarter
The operating income has declined by 30% year-on-year and by 7% since the previous quarter
The net margin has contracted by 21% YoY
The company's net income fell by 19% YoY
Growth
What is Citizens's growth rate over time
Valuation
What is Citizens stock price valuation
P/E
9.09
P/B
0.96
P/S
0.8
EV/EBIT
8.35
EV/EBITDA
8.11
EV/Sales
0.67
CIA's price to earnings (P/E) is 49% higher than its last 4 quarters average of 6.1
The EPS has contracted by 20% YoY
The stock's price to book (P/B) is 37% more than its last 4 quarters average of 0.7 but 13% less than its 5-year quarterly average of 1.1
The company's equity rose by 36% YoY and by 8% QoQ
CIA's P/S is 33% more than its last 4 quarters average of 0.6 but 11% less than its 5-year quarterly average of 0.9
The revenue is up by 3% YoY
Efficiency
How efficient is Citizens business performance
CIA's return on equity is down by 39% year-on-year and by 7% since the previous quarter
Citizens's return on invested capital has decreased by 33% YoY and by 8% QoQ
The ROS has contracted by 33% YoY and by 8% from the previous quarter
CIA's return on assets is down by 24% year-on-year
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 grown by 11% YoY and by 4.4% from the previous quarter
The total liabilities is up by 8% year-on-year and by 3.9% since the previous quarter
The debt is 100% less than the equity
The company's equity rose by 36% YoY and by 8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.