Citizens Inc - Class A
Exchange: NYSESector: Financial ServicesIndustry: Insurance - Life
Citizens, Inc. is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. Through its customer-centric growth strategy, Citizens offers innovative products to address the evolving needs of its customers in their native languages of Spanish, Portuguese, and Mandarin. The company operates two primary segments: Life Insurance, where the Company is a market leader in life insurance and accident and health insurance in Spanish, Portuguese and Mandarin in the United States, Latin America, and Asia and Home Services, which operates primarily in the U.S. Gulf coast region.
Current Price
$5.22
-0.76%GoodMoat Value
$7.41
41.9% undervaluedProfile
Valuation (TTM)
Market Cap$262.56M
P/E14.21
EV—
P/B1.12
Shares Out50.30M
P/Sales1.01
Revenue$259.68M
EV/EBITDA10.90
Citizens Inc - Class A (CIA) Stock Analysis
Market Cap$262.56M
Current Price$5.22
P/E Ratio14.21
Forward P/E—
PEG Ratio-0.05
EPS$0.28
Book Value$4.67
P/B Ratio1.12
CIA Financial Charts
FCF vs CAPEX
FCFCAPEX
Forward estimates use -20.9% FCF growth (CAGR)
Cash vs Debt
Net Cash: 23M
Revenue
251M
FY19
239M
FY20
251M
FY21
233M
FY22
241M
FY23
245M
FY24
256M
FY25
Net Income
—
FY19
—
FY20
73M
FY21
26M
FY22
24M
FY23
15M
FY24
15M
FY25
CIA 52-Week Range
$3.30
$6.21
50-Day MA: $5.20200-Day MA: $5.36
Did you know?
Trading 42% below its estimated fair value of $7.41.
Citizens Inc - Class A (CIA) Financial Summary
Citizens Inc - Class A (CIA) is a Financial Services company in the Insurance - Life industry, listed on NYSE. The stock currently trades at $5.22 with a market capitalization of $262.56M.
Key valuation metrics include a P/E ratio of 14.21, price-to-book ratio of 1.12, and EPS of $0.28. The company reports a profit margin of 7.1% and return on equity of 7.9%.
CIA Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $262.56M |
| P/E Ratio | 14.21 |
| EPS | $0.28 |
| P/B Ratio | 1.12 |
| P/S Ratio | 1.01 |
| EV/EBITDA | 10.90 |
| Profit Margin | 7.1% |
| Return on Equity | 7.9% |
CIA Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $250.54M | $-1.37M |
| FY20 | $238.86M | $-10.99M |
| FY21 | $250.55M | $72.71M |
| FY22 | $232.52M | $26.01M |
| FY23 | $240.68M | $24.44M |
| FY24 | $245.00M | $14.91M |
| FY25 | $255.62M | $14.59M |
Citizens Inc - Class A (CIA) Valuation
Based on GoodMoat's DCF model, Citizens Inc - Class A has a fair value estimate of $7.41. At the current price of $5.22, the stock appears 29.5% undervalued relative to our intrinsic value estimate.
CIA Quality Indicators
Citizens Inc - Class A maintains a profit margin of 7.1% and an operating margin of 6.8%. Return on equity stands at 7.9%.
About Citizens Inc - Class A
Citizens, Inc. is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. Through its customer-centric growth strategy, Citizens offers innovative products to address the evolving needs of its customers in their native languages of Spanish, Portuguese, and Mandarin. The company operates two primary segments: Life Insurance, where the Company is a market leader in life insurance and accident and health insurance in Spanish, Portuguese and Mandarin in the United States, Latin America, and Asia and Home Services, which operates primarily in the U.S. Gulf coast region.
CIA Free Cash Flow
Citizens Inc - Class A generated $17.54M in trailing twelve-month free cash flow, representing an FCF yield of 6.68%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
CIA Shares Outstanding
Citizens Inc - Class A has 0.05 billion shares outstanding at a share price of $5.22, giving it a market capitalization of $262.56M.