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Company Analysis

Citizens, Inc. CIA

A comprehensive view of key metrics, scores, and financial health for Citizens, Inc.

Overview of Citizens, Inc.

CIA NYQ
Financial Services Insurance - Life Framework: Insurance & Reinsurance Micro Cap
Citizens, Inc. (CIA), is a Micro Cap company, in the Insurance - Life industry, last closed at $5.10, about 6.1% overvalued vs fair value, +24.4% 1Y return, placing in the top 10% of its sector.
Metrics P/E 17.3× Rev Growth 4.3% ROE 6.6%
USD 5.10
-2.49%
(Delayed)
• Vol 90d: 45.7%
52-Week Range
Market Cap
$282.59M
Enterprise Value
$253.00M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 84%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

Website https://www.citizensinc.com
HQ Austin, TX
Employees 247
Fiscal year Dec 31

Next Events

Earnings Aug 6 Estimated

Fair Value Snapshot

Bear Base Bull
$3
$5
$9
Current: $5.10 -6% vs base

Engine Room Money Flow™

Micro Cap

Insurance & Reinsurance - Where revenue goes and how value is created

Flow Steps
Total Revenue
$255.6M
4.3%%
Claims & Losses
$-123.3M
4.7%%
Acquisition & Admin Expenses
$-53.0M
Underwriting Result
$15.0M
-92.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Insurance & Reinsurance

Quality & Reliability Indicators

Loss Ratio
48.2%
Excellent

Claims & Losses / Revenue — core underwriting discipline metric; lower is better

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Where It Leaks

Cash Flow Health healthy
Strong cash conversion with minimal leakage across profit-to-cash-to-value chain.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Insurance & Reinsurance

Competitive Advantage Assessment

Evaluating Citizens, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
38
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Underwriting Discipline

Developing
32
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Insurance (Life, P&C, Reinsurance) vs Industry Peers 100% Coverage
Trade-Off Triangle Visualization A ternary plot showing CIA's balance between Growth (33.4%), Profitability (25.8%), and Safety (40.9%). Growth 33% Safety 41% Profitability 26%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

32th percentile vs peers
33
Key Signals
Rev Growth YoY 4.3% 32p Equity Growth YoY 11.7% 45p Revenue CAGR 3Y 3.2% 25p EPS Growth YoY -3.5% 31p Asset Growth YoY 4.1% 32p
Strengths
  • Interest Coverage (EBITDA) in top 20% of peers (32.53, 80th percentile)
  • D/E Ratio in top 20% of peers (3.7%, 88th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Growth below peer median (percentile: 32)

Profitability

25th percentile vs peers
25
Key Signals
Strengths
Risks
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Safety

40th percentile vs peers
40
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Citizens, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
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Bear
-
- - -
- upside
-
Base
$4.79
- - -
-6.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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