Kalkine has a fully transformed New Avatar.

Switch to Old version
1800-272-662
Shopping Cart 0
countryflagAU
Login

Citizens Inc

Financial Services US CIA

5.25USD
0.17(3.35%)

Last update at 2026-03-10T20:00:00Z

Day Range

4.995.36
LowHigh

52 Week Range

1.644.00
LowHigh

Fundamentals

  • Previous Close 5.08
  • Market Cap141.22M
  • Volume104654
  • P/E Ratio-
  • Dividend Yield3.28%
  • EBITDA-5.13000M
  • Revenue TTM241.09M
  • Revenue Per Share TTM4.84
  • Gross Profit TTM 39.08M
  • Diluted EPS TTM-0.1

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -7.06700M -6.68800M -12.31700M 5.75M 2.00M
Minority interest - - - - -
Net income -7.49600M -50.16300M -10.98800M -1.37000M -11.06200M
Selling general administrative 45.18M 43.37M 53.67M 48.44M 47.63M
Selling and marketing expenses - - - - -
Gross profit 232.52M 250.55M 238.86M 250.54M 244.01M
Reconciled depreciation 0.54M 1.14M 1.42M 1.68M 3.91M
Ebit -7.06700M 4.44M -75.84400M 4.33M 2.00M
Ebitda -6.53100M 5.58M -74.42100M 6.00M 5.91M
Depreciation and amortization 0.54M 1.14M 1.42M 1.68M 3.91M
Non operating income net other - - - - -
Operating income -7.06700M 4.44M -75.84400M 4.33M 2.00M
Other operating expenses 239.83M 257.05M 251.17M 244.80M 242.00M
Interest expense -0.85800M 0.00000M 0.00000M 0.00000M 0.00000M
Tax provision -0.42900M -43.47500M -1.32900M 7.12M 13.06M
Interest income - - - - -
Net interest income - - - - -
Extraordinary items - - - 0.00000M -0.06800M
Non recurring - - - - -
Other items - - - - -
Income tax expense 0.43M 43.48M -1.32900M 7.12M 13.06M
Total revenue 232.52M 250.55M 238.86M 250.54M 244.01M
Total operating expenses -239.59100M -246.10200M -314.70000M -246.21800M -242.00400M
Cost of revenue - 1.21M 1.82M 194.81M 191.91M
Total other income expense net 58.81M -11.13200M 63.53M 1.42M 1.83M
Discontinued operations - - - - -
Net income from continuing ops -6.63800M 36.79M -10.98800M -1.37000M -11.06200M
Net income applicable to common shares -6.63800M 36.79M -10.98800M -1.37000M -11.06200M
Preferred stock and other adjustments - - - - -
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 1569.97M 1854.51M 1843.42M 1744.94M 1615.56M
Intangible assets 10.26M 11.55M 25.11M 27.03M 16.18M
Earning assets - - - - -
Other current assets 21.69M -1160.92500M -1238.52300M -1111.65300M -1255.89300M
Total liab 1568.93M 1533.94M 1542.47M 1485.10M 1427.83M
Total stockholder equity 1.04M 320.57M 300.94M 259.84M 187.73M
Deferred long term liab - 15.46M 9.56M 12.43M 5.71M
Other current liab -9.88400M -14.59000M -13.20600M -8.05900M -7.61400M
Common stock 271.33M 268.75M 266.05M 264.70M 262.98M
Capital stock 271.33M 268.75M 266.05M 264.70M 262.98M
Retained earnings -52.20300M -45.56500M -82.35200M -70.96900M -69.59900M
Other liab 1468.91M 1438.62M 1408.84M 1374.36M 1302.23M
Good will - 12.62M 13.57M 13.57M 12.62M
Other assets -856.22900M -1160.92500M -1238.52300M -1111.65300M -974.54400M
Cash 22.97M 27.29M 34.13M 46.20M 45.49M
Cash and equivalents 22.97M 27.29M 34.13M 46.20M 45.49M
Total current liabilities 9.88M 14.59M 13.21M 8.06M 7.61M
Current deferred revenue - - - - -
Net debt -22.97300M -27.29400M -34.13100M -46.20500M -45.49200M
Short term debt 0.00000M 0.00000M 0.40M 0.00000M 0.00000M
Short long term debt - - - - -
Short long term debt total - - - 77.12M -
Other stockholder equity -22.80600M -20.10100M -11.01100M -11.01100M -11.01100M
Property plant equipment 12.93M 14.07M 16.31M 5.90M 5.94M
Total current assets 1220.82M 1514.96M 1540.58M 1441.82M 1301.38M
Long term investments 1357.91M 1639.36M 1640.81M 1497.71M 1360.67M
Net tangible assets 1.04M 320.57M 300.94M 259.84M 174.15M
Short term investments 1180.86M 1470.62M 1489.38M 1379.26M 1238.90M
Net receivables 16.99M 17.05M 17.06M 16.35M 16.99M
Long term debt - - - - -
Inventory - - - - -
Accounts payable 9.88M 14.59M 13.21M 8.06M 7.61M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income -195.27900M 117.49M 128.25M 77.12M 5.37M
Additional paid in capital - - - - -
Common stock total equity 271.33M 268.75M 266.05M 264.70M 262.98M
Preferred stock total equity - - - - -
Retained earnings total equity -52.20300M -45.56500M -82.35200M -70.96900M -69.59900M
Treasury stock -22.80600M -20.10100M -11.01100M -11.01100M -11.01100M
Accumulated amortization - - - - -
Non currrent assets other -1205.37600M -1500.47600M -1541.36700M -1414.77200M -1288.72000M
Deferred long term asset charges - - - - -
Non current assets total 1205.38M 1500.48M 1541.37M 1414.77M 1288.72M
Capital lease obligations - - - - -
Long term debt total 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -61.14200M -47.46700M -61.60200M -68.85000M -84.50800M
Change to liabilities 47.01M -10.75300M 43.68M 53.13M 0.97M
Total cashflows from investing activities -60.74200M -41.07700M -61.81200M -69.34500M -85.13400M
Net borrowings - - - - -
Total cash from financing activities -0.49900M -6.21500M 0.90M -2.16500M -0.05800M
Change to operating activities 46.22M 34.95M 40.60M 49.06M 52.94M
Net income -6.63800M 36.79M -10.98800M -1.37000M -11.06200M
Change in cash -4.32100M -6.83700M -12.07400M 0.71M -0.57200M
Begin period cash flow 27.29M 34.13M 46.20M 45.49M 46.06M
End period cash flow 22.97M 27.29M 34.13M 46.20M 45.49M
Total cash from operating activities 56.92M 40.45M 48.83M 72.22M 84.62M
Issuance of capital stock 2.24M 2.25M - - -
Depreciation 0.54M 1.14M 1.42M 1.68M 3.91M
Other cashflows from investing activities 0.50M 7.40M 0.01M 0.02M 0.10M
Dividends paid 0.02M - - - -
Change to inventory - - - - -
Change to account receivables -0.10200M 0.78M -0.71000M 0.64M -0.50900M
Sale purchase of stock -2.70500M -9.09000M - - -
Other cashflows from financing activities 0.00800M 0.62M 0.90M -2.16500M -0.05800M
Change to netincome 10.41M -10.56400M -1.90400M -3.67600M 74.47M
Capital expenditures 0.10M 1.01M 0.22M 0.51M 0.72M
Change receivables -1.03600M 0.71M 0.61M 1.65M 0.09M
Cash flows other operating 1.42M 16.36M 6.14M 6.41M -0.75200M
Exchange rate changes - - - - -
Cash and cash equivalents changes -4.32100M -6.83700M -12.07400M 0.71M -0.57200M
Change in working capital 45.30M -9.16400M 41.24M 53.08M 0.30M
Stock based compensation 0.46M 0.65M 2.22M 2.10M 0.41M
Other non cash items 17.14M 10.62M 15.34M 15.17M 28.43M
Free cash flow 56.82M 39.45M 48.61M 71.71M 83.90M

Peer Comparison

Sector: Financial Services Industry: Insurance - Life

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x)
CIA
Citizens Inc		 0.17 3.35% 5.25 - - 0.59 0.93 0.53
CILJF
China Life Insurance Co Ltd		 - -% 3.59 3.63 5.12 0.41 0.78 2.91
AAGIY
AIA Group Ltd ADR		 1.18 2.78% 43.58 95.11 13.83 1.78 2.29 1.87
PIAIF
Ping An Insurance		 -0.69 7.99% 7.95 6.87 3.61 0.07 0.60 0.17
PNGAY
Ping An Insurance Company of China		 0.02 0.12% 16.37 6.93 3.57 0.07 0.59 0.17

Reports Covered

Stock Research & News

View All

Profile

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides accident and health insurance policies. The company was founded in 1969 and is headquartered in Austin, Texas.

Citizens Inc

11815 Alterra Pkwy, Austin, TX, United States, 78758

Key Executives

Name Title Year Born
Mr. Gerald W. Shields Exec. Vice-Chairman, CEO & Pres 1958
Mr. Jeffery Paul Conklin VP, CFO, Chief Investment Officer & Treasurer 1970
Ms. Sheryl L. Kinlaw VP, Chief Legal Officer & Sec. NA
Mr. Robert McHardy Mauldin III VP & Chief Marketing Officer 1961
Mr. Harvey J. L. Waite VP & Chief Actuary 1960
Mr. W. Scott Buchholtz VP of HR 1972
Mr. Sidney Louis Harp II Exec. VP & Director of Agency 1950
Mr. Larry E. Carson VP of Financial Reporting & Tax 1954
Mr. David Scott Jorgensen CPA Gen. Mang. for International Operations of CICA Life Insurance Company of America 1964
Ms. Charlotte D. Duncan Assistant Sec. 1949

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.