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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| CIA | +15% | -5.8% | -1.19% | +98% |
| S&P | +14.5% | +93.32% | +14.09% | +2,731% |
Citizens, Inc. is a holding company, which engages in the provision of insurance and reinsurance services. It operates through the Life Insurance and Home Service Insurance segments. The Life Insurance segment primarily issues ordinary whole life insurance and endowment policies in U.S. dollar-denominated amounts to foreign residents. The Home Service Insurance segment focuses on the life insurance needs of the middle- and lower-income markets. The company was founded by Harold Eugene Riley in 1969 and is headquartered in Austin, TX.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $65.09M | 4.8% |
| Market Cap | $175.02M | 29.6% |
| Market Cap / Employee | $0.70M | 0.0% |
| Employees | 250 | 7.8% |
| Net Income | $6.46M | 63.1% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Net Cash | $22.67M | -13.9% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $0.00M | 0.0% |
| Short Term Debt | $0.00M | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 0.67% | -0.7% |
| Return On Invested Capital | 9.69% | 1.5% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $3.29M | -26.1% |
| Operating Free Cash Flow | $3.47M | -24.4% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 8.23 | 13.57 | 26.30 | 15.73 | 153.32% |
| Price to Book | 0.94 | 0.96 | 1.08 | 0.80 | 15.59% |
| Price to Sales | 0.74 | 0.82 | 0.93 | 0.72 | 28.80% |
| Price to Tangible Book Value | 0.94 | 0.96 | 1.08 | 0.80 | 15.59% |
| Price to Free Cash Flow TTM | 6.80 | 6.40 | 9.02 | 7.41 | 10.97% |
| Free Cash Flow Yield | 14.7% | 15.6% | 11.1% | 13.5% | -9.88% |
| Return on Equity | 12.2% | 7.8% | 4.2% | 5.3% | -58.76% |
| Total Debt | $0.00M | $7.79M | $0.00M | $0.00M | - |
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