CIA Citizens Inc

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

Price (delayed)

$3.21

Market cap

$159.06M

P/E Ratio

9.17

Dividend/share

N/A

EPS

$0.35

Enterprise value

$142.28M

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 4% QoQ
The revenue is up by 2.5% YoY
The EPS has plunged by 66% YoY and by 2.8% from the previous quarter
The company's net income has shrunk by 66% YoY and by 4% QoQ
Sector: Financial Services
Industry: Insurance - Life
Website: http://www.citizensinc.com
Peers: SNFCA RGA AFL

Key stats

What are the main financial stats of CIA
Market
Shares outstanding
49.55M
Market cap
$159.06M
Enterprise value
$142.28M
Valuations
Price to earnings (P/E)
9.17
Price to book (P/B)
1.04
Price to sales (P/S)
0.66
EV/EBIT
7.21
EV/EBITDA
7.03
EV/Sales
0.59
Earnings
Revenue
$241.09M
EBIT
$19.72M
EBITDA
$20.23M
Free cash flow
$32.29M
Per share
EPS
$0.35
Free cash flow per share
$0.65
Book value per share
$3.08
Revenue per share
$4.86
TBVPS
$31.53
Balance sheet
Total assets
$1.56B
Total liabilities
$1.41B
Debt
$0
Equity
$152.75M
Working capital
N/A
Liquidity
Debt to equity
0
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-0.83
Margins
EBITDA margin
8.4%
Gross margin
40.4%
Net margin
7.1%
Operating margin
8.2%
Efficiency
Return on assets
1.1%
Return on equity
11.7%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
8.2%
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
-5.31%
1 week
-4.46%
1 month
4.9%
1 year
12.63%
YTD
50.7%
QTD
12.63%

Financial performance

How have Citizens's revenue and profit performed over time
Revenue
$241.09M
Gross profit
$97.42M
Operating income
$19.72M
Net income
$17.07M
Gross margin
40.4%
Net margin
7.1%
The operating income has soared by 115% year-on-year
The operating margin has surged by 110% year-on-year but it has declined by 2.4% since the previous quarter
The net margin has plunged by 67% YoY and by 5% from the previous quarter
The company's net income has shrunk by 66% YoY and by 4% QoQ

Growth

What is Citizens's growth rate over time

Valuation

What is Citizens stock price valuation
P/E
9.17
P/B
1.04
P/S
0.66
EV/EBIT
7.21
EV/EBITDA
7.03
EV/Sales
0.59
The EPS has plunged by 66% YoY and by 2.8% from the previous quarter
The stock's price to book (P/B) is 22% more than its last 4 quarters average of 0.9 but 15% less than its 5-year quarterly average of 1.3
The company's equity rose by 4% QoQ
CIA's P/S is 36% less than its 5-year quarterly average of 1.1 but 17% more than its last 4 quarters average of 0.6
The revenue is up by 2.5% YoY

Efficiency

How efficient is Citizens business performance
The ROS has soared by 110% YoY but it has contracted by 2.4% from the previous quarter
Citizens's return on invested capital has surged by 100% YoY but it has decreased by 8% QoQ
CIA's return on equity has dropped by 66% year-on-year and by 32% since the previous quarter
CIA's return on assets has dropped by 63% 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 11% more than the total liabilities
The total liabilities has declined by 9% year-on-year and by 4.4% since the previous quarter
The total assets has contracted by 3.7% from the previous quarter
The debt is 100% less than the equity
The company's equity rose by 4% QoQ

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