CIA Fair Value Estimate
$7.4943.6% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
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
$7.49
43.6% 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) Valuation
CIA Valuation Metrics
FCF$17.54M
FCF Growth Rate-20.92%
EPS Growth (CAGR)-17.52%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →CIA Valuation & Fair Value Analysis
Citizens Inc - Class A (CIA) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for Citizens Inc - Class A is $7.49. The current stock price is $5.22, suggesting the stock is 43.6% undervalued.
The price-to-earnings (P/E) ratio is 14.21. Price-to-book ratio is 1.12. Price-to-sales ratio is 1.01. Enterprise value to EBITDA is 10.90. PEG ratio is -0.05.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of Citizens Inc - Class A's intrinsic value.