NYSE: CIACitizens Inc Stock
$4.32-0.04 (-0.92%)
Updated Apr 21, 2025
CIA Price
$4.32
Fair Value Price
N/A
Market Cap
$215.60M
52 Week Low
$1.99
52 Week High
$5.95
P/E
14.4x
P/B
1.02x
P/S
0.82x
PEG
5.33x
Dividend Yield
N/A
Revenue
$245.00M
Earnings
$14.91M
Gross Margin
38%
Operating Margin
6.11%
Profit Margin
6.1%
Debt to Equity
7.01
Operating Cash Flow
$32M
Beta
0.82
Next Earnings
May 5, 2025
Ex-Dividend
N/A
Next Dividend
N/A
CIA Overview
Citizens, Inc. is an insurance company. Its Life Insurance segment issues whole life insurance and endowment policies to non-U.S. residents in through independent marketing agencies and consultants. Its Home Service Insurance segment offers life insurance and property insurance policies to middle-and lower-income households in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens was founded in 1969 and is headquartered in Austin, TX.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine CIA's potential to beat the market
CHold
- Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Property & Casualty Insurance
Industry Rating
C
CIA
Ranked#18 of 19
Ranked#18 of 19
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $20.49 | B | |
| $117.17 | C | |
| $48.79 | C |
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CIA News
Overview
Due Diligence Score
–
Industry Average (39)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CIA scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
CIA ($4.32) is trading above its intrinsic value of $1.91, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
CIA is good value based on its earnings relative to its share price (14.4x), compared to the US market average (27.14x)
P/E vs Market Valuation
CIA is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 30 more CIA due diligence checks available for Premium users.
Valuation
CIA price to earnings (PE)
For valuing profitable companies with steady earnings
Company
14.4x
Industry
11.59x
Market
27.14x
CIA is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CIA is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
CIA price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
1.02x
Industry
1.43x
CIA is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
CIA price to earnings growth (PEG)
For valuing profitable companies with growth potential
CIA is poor value relative... subscribe to Premium to read more.
PEG Value Valuation
CIA's financial health
Profit margin
Revenue
$63.5M
Net Income
$3.6M
Profit Margin
5.7%
CIA's Earnings (EBIT) of $14.98M... subscribe to Premium to read more.
Interest Coverage Financials
CIA's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$1.7B
Liabilities
$1.5B
Debt to equity
7.01
CIA's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CIA's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$10.8M
Investing
-$13.8M
Financing
-$98.0k
CIA's operating cash flow ($31.92M)... subscribe to Premium to read more.
Debt Coverage Financials
CIA vs Property & Casualty Insurance Stocks
Citizens Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.