View ValuationCitizens 将来の成長Future 基準チェック /06Citizensの収益は年間2.4%で減少すると予測されていますが、年間収益は年間2.7%で増加すると予想されています。EPS は年間0.3%で減少すると予想されています。主要情報-2.4%収益成長率-0.31%EPS成長率Insurance 収益成長2.0%収益成長率2.7%将来の株主資本利益率n/aアナリストカバレッジLow最終更新日08 May 2026今後の成長に関する最新情報お知らせ • Nov 09+ 1 more updateCitizens, Inc. Provides Earnings Guidance for 2026Citizens, Inc. provided earnings guidance for 2026. Looking ahead to 2026, the company expects revenue growth and profit growth for the full year 2026, showcasing improving operating leverage in its financial model.すべての更新を表示Recent updatesお知らせ • May 04Citizens, Inc., Annual General Meeting, Jun 16, 2026Citizens, Inc., Annual General Meeting, Jun 16, 2026. Location: 11815 alterra parkway, suite 1500, texas 78758, austin United StatesValuation Update With 7 Day Price Move • Jan 08Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €3.84, the stock trades at a forward P/E ratio of 17x. Average forward P/E is 11x in the Insurance industry in Germany. Total loss to shareholders of 3.5% over the past year.New Risk • Jan 04New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (13% average weekly change). Minor Risk Profit margins are more than 30% lower than last year (4.4% net profit margin).お知らせ • Nov 09+ 1 more updateCitizens, Inc. Provides Earnings Guidance for 2026Citizens, Inc. provided earnings guidance for 2026. Looking ahead to 2026, the company expects revenue growth and profit growth for the full year 2026, showcasing improving operating leverage in its financial model.お知らせ • May 01Citizens, Inc., Annual General Meeting, Jun 17, 2025Citizens, Inc., Annual General Meeting, Jun 17, 2025. Location: 11815 alterra parkway, suite 1500, austin, United Statesお知らせ • Apr 13Citizens, Inc. Announces Resignation of Gerald W. Shields Non-Independent Director ,Effective Date Will Be April 15, 2025On April 2, 2025, Gerald W. Shields, former Chief Executive Officer and the only non-independent director of the Board of Directors of Citizens, Inc., submitted a written resignation from the Board contingent upon the Board accepting such resignation and selecting an effective date. On April 9, 2025, the Board met and agreed to accept his resignation and on April 10, 2025 resolved that the effective date will be April 15, 2025. As a non-independent director, Mr. Shields does not serve on any standing committees. He did not refuse to stand for re-election to the Board nor resign because of a disagreement with the Company on any matter relating to the Company's operations, policies or practices.お知らせ • Feb 04Citizens, Inc. Promotes Paula Guerrero as Chief Information OfficerCitizens, Inc. announced Paula Guerrero, who serves as the company’s Vice President of Information Technology, is promoted to chief information officer, effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. Guerrero is an accomplished information technology innovator and leader. Guerrero joined Citizens in 2021 as a Vice President of Information Technology, she drives technology as a crucial enabling function in the insurance sales cycle and to deliver exceptional agent and customer experience through the Company's strategic roadmap. Before joining Citizens, Guerrero served as IT Director-Health Plan Integration and Software Development at Baylor, Scott &White Health. She delivered key projects and change initiatives through the Company's reinvigorated IT strategy. She has served as Assistant Vice President of Application Services at FirstCare Health Plans. Baylor, Scott &White Health acquired FirstCare Health Plans in January 2019. She also served as Senior Manager of Engineering at Accruent, Software Development Manager at Mitratech, and Lead Software Developer at BMC Software. Guerrero holds a Bachelor of Science in Industrial Administration, with a dual major in Information Systems and Finance, cum laude, from Kettering University.お知らせ • Jan 30Citizens, Inc. Promotes Bryon Matthew Lewis to Chief Operating OfficerCitizens, Inc. announced Bryon Matthew Lewis, who serves as Citizens' global Vice President of Operations, is promoted to Chief Operating Officer, a newly created global position effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. This role will oversee Underwriting, New Business, Claims, and Corporate and Policyholder Services, which are critical activities as continue delivering promises to policyholders. Mr. Lewis joined Citizens in 2021 as Vice President of Operations, where he drove business growth and transformation with his expertise in streamlining business processes to deliver on customer value. Mr. Lewis is an experienced growth leader. He previously served as Director of Information Services-Health Plan at Baylor, Scott &White Health, where he led roadmap integration planning. He served as Assistant Vice President IT Operations at First Care Health Plans. Baylor, Scott &White Health acquired First Care Health Plans in January 2019. He served as Project Engineering Director-Professional Services at E2open. He holds a Bachelor of Science in Information Technology from the University of Massachusetts Lowell.Reported Earnings • Nov 10Third quarter 2024 earnings released: EPS: US$0.06 (vs US$0.054 in 3Q 2023)Third quarter 2024 results: EPS: US$0.06 (up from US$0.054 in 3Q 2023). Revenue: US$61.7m (up 3.9% from 3Q 2023). Net income: US$2.79m (up 3.4% from 3Q 2023). Profit margin: 4.5% (in line with 3Q 2023). Revenue is forecast to grow 2.9% p.a. on average during the next 2 years, compared to a 5.0% growth forecast for the Insurance industry in Europe.New Risk • Nov 09New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 6.4% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). Earnings are forecast to decline by an average of 6.4% per year for the foreseeable future.Valuation Update With 7 Day Price Move • Oct 25Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €3.96, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 11x in the Insurance industry in Germany. Total returns to shareholders of 41% over the past year.Valuation Update With 7 Day Price Move • Oct 10Investor sentiment improves as stock rises 36%After last week's 36% share price gain to €4.36, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 57% over the past year.Valuation Update With 7 Day Price Move • Sep 26Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €3.00, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 11x in the Insurance industry in Germany. Total returns to shareholders of 5.6% over the past year.Recent Insider Transactions • Sep 06President & CEO recently bought €142k worth of stockOn the 4th of September, Jon Stenberg bought around 53k shares on-market at roughly €2.70 per share. This transaction increased Jon's direct individual holding by 2x at the time of the trade. This was the largest purchase by an insider in the last 3 months. Jon has been a buyer over the last 12 months, purchasing a net total of €217k worth in shares.Board Change • Sep 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 1 highly experienced director. Independent Director Mary Taylor was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Aug 07Second quarter 2024 earnings released: EPS: US$0.08 (vs US$0.12 in 2Q 2023)Second quarter 2024 results: EPS: US$0.08 (down from US$0.12 in 2Q 2023). Revenue: US$62.1m (up 6.1% from 2Q 2023). Net income: US$3.96m (down 35% from 2Q 2023). Profit margin: 6.4% (down from 11% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.0% p.a. on average during the next 2 years, compared to a 5.3% growth forecast for the Insurance industry in Europe.Valuation Update With 7 Day Price Move • Aug 06Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €1.99, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 10x in the Insurance industry in Germany. Total loss to shareholders of 23% over the past year.Valuation Update With 7 Day Price Move • Jul 01Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €2.34, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 7.3% over the past year.Valuation Update With 7 Day Price Move • May 15Investor sentiment improves as stock rises 23%After last week's 23% share price gain to €2.36, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 28% over the past year.Reported Earnings • May 08First quarter 2024 earnings released: EPS: US$0.09 (vs US$0.098 in 1Q 2023)First quarter 2024 results: EPS: US$0.09 (down from US$0.098 in 1Q 2023). Revenue: US$57.7m (up 3.2% from 1Q 2023). Net income: US$4.54m (down 6.8% from 1Q 2023). Profit margin: 7.9% (down from 8.7% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.3% p.a. on average during the next 2 years, compared to a 5.5% growth forecast for the Insurance industry in Europe.お知らせ • May 01Citizens, Inc., Annual General Meeting, Jun 18, 2024Citizens, Inc., Annual General Meeting, Jun 18, 2024, at 10:00 Central Standard Time. Location: The Company’s principal executive office at 11815 Alterra Parkway, Suite 1500 Austin, Texas 78758 Texas United States Agenda: To approve the Election of Directors ; to Ratify the Appointment of Grant Thornton LLP as the Company’s independent registered public accounting firm for 2024; to approve the Advisory Vote to Approve Executive Compensation; and.Reported Earnings • Mar 15Full year 2023 earnings released: EPS: US$0.49 (vs US$0.13 loss in FY 2022)Full year 2023 results: EPS: US$0.49 (up from US$0.13 loss in FY 2022). Revenue: US$240.7m (up 3.5% from FY 2022). Net income: US$24.4m (up US$31.1m from FY 2022). Profit margin: 10% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses.New Risk • Dec 07New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.Reported Earnings • Nov 08Third quarter 2023 earnings released: EPS: US$0.06 (vs US$0.10 loss in 3Q 2022)Third quarter 2023 results: EPS: US$0.06 (up from US$0.10 loss in 3Q 2022). Revenue: US$59.4m (up 5.7% from 3Q 2022). Net income: US$2.70m (up US$7.83m from 3Q 2022). Profit margin: 4.5% (up from net loss in 3Q 2022). The move to profitability was primarily driven by lower expenses.Reported Earnings • Aug 06Second quarter 2023 earnings released: EPS: US$0.12 (vs US$0.07 loss in 2Q 2022)Second quarter 2023 results: EPS: US$0.12 (up from US$0.07 loss in 2Q 2022). Revenue: US$58.5m (up 8.9% from 2Q 2022). Net income: US$6.13m (up US$9.67m from 2Q 2022). Profit margin: 11% (up from net loss in 2Q 2022). The move to profitability was primarily driven by higher revenue.Recent Insider Transactions • May 17Executive Vice-Chairman of the Board recently bought €94k worth of stockOn the 11th of May, Gerald Shields bought around 55k shares on-market at roughly €1.70 per share. This transaction amounted to 64% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Gerald has been a buyer over the last 12 months, purchasing a net total of €278k worth in shares.お知らせ • May 10Citizens, Inc., Annual General Meeting, Jun 06, 2023Citizens, Inc., Annual General Meeting, Jun 06, 2023, at 10:00 Central Standard Time. Location: citizens, inc. headquarters 11815 alterra parkway, suite 1500, austin, texas 78758 Texas United States Agenda: To elect each of the eight director nominees identified in the accompanying Proxy Statement to serve until the next annual meeting of shareholders or until his or her successor is duly elected and qualified; to ratify the appointment of Grant Thornton LLP as the Company's independent registered public accounting firm for 2023; to approve, on a non-binding advisory basis, executive compensation ( Say-on-Pay"); and to transact such other business matter.Reported Earnings • May 09First quarter 2023 earnings released: EPS: US$0.10 (vs US$0.027 loss in 1Q 2022)First quarter 2023 results: EPS: US$0.10 (up from US$0.027 loss in 1Q 2022). Revenue: US$55.9m (up 1.0% from 1Q 2022). Net income: US$4.87m (up US$6.21m from 1Q 2022). Profit margin: 8.7% (up from net loss in 1Q 2022). The move to profitability was primarily driven by lower expenses.業績と収益の成長予測DB:YCX - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/2027272171922112/31/202625915182113/31/2026260181617N/A12/31/2025256151818N/A9/30/2025247111920N/A6/30/2025246112425N/A3/31/202524392526N/A12/31/2024245153132N/A9/30/2024248222728N/A6/30/2024246222121N/A3/31/2024242242121N/A12/31/2023241242222N/A9/30/2023241273233N/A6/30/2023238284747N/A3/31/2023233245252N/A12/31/2022233265757N/A9/30/2022235505656N/A6/30/2022241445454N/A3/31/2022250475051N/A12/31/2021251733940N/A9/30/202124603839N/A6/30/2021244-52829N/A3/31/2021239-113637N/A12/31/2020239-114949N/A9/30/2020244-85555N/A6/30/202024526969N/A3/31/2020244-16868N/A12/31/2019251-1N/A72N/A9/30/2019246-8N/A70N/A6/30/2019246-17N/A74N/A3/31/2019249-15N/A81N/A12/31/2018244-11N/A85N/A9/30/2018246-54N/A89N/A6/30/2018249-43N/A92N/A3/31/2018250-40N/A93N/A12/31/2017253-38N/A93N/A9/30/20172536N/A102N/A6/30/20172506N/A103N/A3/31/20172506N/A103N/A12/31/20162452N/A102N/A9/30/20162400N/A94N/A6/30/2016236-3N/A90N/A3/31/2016235-6N/A91N/A12/31/2015236-3N/A87N/A9/30/2015238-13N/A94N/A6/30/2015237-10N/A94N/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: YCXの収益は今後 3 年間で減少すると予測されています (年間-2.4% )。収益対市場: YCXの収益は今後 3 年間で減少すると予測されています (年間-2.4% )。高成長収益: YCXの収益は今後 3 年間で減少すると予測されています。収益対市場: YCXの収益 ( 2.7% ) German市場 ( 6.8% ) よりも低い成長が予測されています。高い収益成長: YCXの収益 ( 2.7% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: YCXの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YInsurance 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/24 09:17終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋Citizens, Inc. 1 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Brendan Michael McCarthySidoti & Company, LLC
お知らせ • Nov 09+ 1 more updateCitizens, Inc. Provides Earnings Guidance for 2026Citizens, Inc. provided earnings guidance for 2026. Looking ahead to 2026, the company expects revenue growth and profit growth for the full year 2026, showcasing improving operating leverage in its financial model.
お知らせ • May 04Citizens, Inc., Annual General Meeting, Jun 16, 2026Citizens, Inc., Annual General Meeting, Jun 16, 2026. Location: 11815 alterra parkway, suite 1500, texas 78758, austin United States
Valuation Update With 7 Day Price Move • Jan 08Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €3.84, the stock trades at a forward P/E ratio of 17x. Average forward P/E is 11x in the Insurance industry in Germany. Total loss to shareholders of 3.5% over the past year.
New Risk • Jan 04New major risk - Share price stabilityThe company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of German stocks, typically moving 13% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risk Share price has been highly volatile over the past 3 months (13% average weekly change). Minor Risk Profit margins are more than 30% lower than last year (4.4% net profit margin).
お知らせ • Nov 09+ 1 more updateCitizens, Inc. Provides Earnings Guidance for 2026Citizens, Inc. provided earnings guidance for 2026. Looking ahead to 2026, the company expects revenue growth and profit growth for the full year 2026, showcasing improving operating leverage in its financial model.
お知らせ • May 01Citizens, Inc., Annual General Meeting, Jun 17, 2025Citizens, Inc., Annual General Meeting, Jun 17, 2025. Location: 11815 alterra parkway, suite 1500, austin, United States
お知らせ • Apr 13Citizens, Inc. Announces Resignation of Gerald W. Shields Non-Independent Director ,Effective Date Will Be April 15, 2025On April 2, 2025, Gerald W. Shields, former Chief Executive Officer and the only non-independent director of the Board of Directors of Citizens, Inc., submitted a written resignation from the Board contingent upon the Board accepting such resignation and selecting an effective date. On April 9, 2025, the Board met and agreed to accept his resignation and on April 10, 2025 resolved that the effective date will be April 15, 2025. As a non-independent director, Mr. Shields does not serve on any standing committees. He did not refuse to stand for re-election to the Board nor resign because of a disagreement with the Company on any matter relating to the Company's operations, policies or practices.
お知らせ • Feb 04Citizens, Inc. Promotes Paula Guerrero as Chief Information OfficerCitizens, Inc. announced Paula Guerrero, who serves as the company’s Vice President of Information Technology, is promoted to chief information officer, effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. Guerrero is an accomplished information technology innovator and leader. Guerrero joined Citizens in 2021 as a Vice President of Information Technology, she drives technology as a crucial enabling function in the insurance sales cycle and to deliver exceptional agent and customer experience through the Company's strategic roadmap. Before joining Citizens, Guerrero served as IT Director-Health Plan Integration and Software Development at Baylor, Scott &White Health. She delivered key projects and change initiatives through the Company's reinvigorated IT strategy. She has served as Assistant Vice President of Application Services at FirstCare Health Plans. Baylor, Scott &White Health acquired FirstCare Health Plans in January 2019. She also served as Senior Manager of Engineering at Accruent, Software Development Manager at Mitratech, and Lead Software Developer at BMC Software. Guerrero holds a Bachelor of Science in Industrial Administration, with a dual major in Information Systems and Finance, cum laude, from Kettering University.
お知らせ • Jan 30Citizens, Inc. Promotes Bryon Matthew Lewis to Chief Operating OfficerCitizens, Inc. announced Bryon Matthew Lewis, who serves as Citizens' global Vice President of Operations, is promoted to Chief Operating Officer, a newly created global position effective immediately, reporting to Jon Stenberg, President and Chief Executive Officer. This role will oversee Underwriting, New Business, Claims, and Corporate and Policyholder Services, which are critical activities as continue delivering promises to policyholders. Mr. Lewis joined Citizens in 2021 as Vice President of Operations, where he drove business growth and transformation with his expertise in streamlining business processes to deliver on customer value. Mr. Lewis is an experienced growth leader. He previously served as Director of Information Services-Health Plan at Baylor, Scott &White Health, where he led roadmap integration planning. He served as Assistant Vice President IT Operations at First Care Health Plans. Baylor, Scott &White Health acquired First Care Health Plans in January 2019. He served as Project Engineering Director-Professional Services at E2open. He holds a Bachelor of Science in Information Technology from the University of Massachusetts Lowell.
Reported Earnings • Nov 10Third quarter 2024 earnings released: EPS: US$0.06 (vs US$0.054 in 3Q 2023)Third quarter 2024 results: EPS: US$0.06 (up from US$0.054 in 3Q 2023). Revenue: US$61.7m (up 3.9% from 3Q 2023). Net income: US$2.79m (up 3.4% from 3Q 2023). Profit margin: 4.5% (in line with 3Q 2023). Revenue is forecast to grow 2.9% p.a. on average during the next 2 years, compared to a 5.0% growth forecast for the Insurance industry in Europe.
New Risk • Nov 09New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 6.4% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). Earnings are forecast to decline by an average of 6.4% per year for the foreseeable future.
Valuation Update With 7 Day Price Move • Oct 25Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €3.96, the stock trades at a forward P/E ratio of 13x. Average forward P/E is 11x in the Insurance industry in Germany. Total returns to shareholders of 41% over the past year.
Valuation Update With 7 Day Price Move • Oct 10Investor sentiment improves as stock rises 36%After last week's 36% share price gain to €4.36, the stock trades at a forward P/E ratio of 14x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 57% over the past year.
Valuation Update With 7 Day Price Move • Sep 26Investor sentiment improves as stock rises 16%After last week's 16% share price gain to €3.00, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 11x in the Insurance industry in Germany. Total returns to shareholders of 5.6% over the past year.
Recent Insider Transactions • Sep 06President & CEO recently bought €142k worth of stockOn the 4th of September, Jon Stenberg bought around 53k shares on-market at roughly €2.70 per share. This transaction increased Jon's direct individual holding by 2x at the time of the trade. This was the largest purchase by an insider in the last 3 months. Jon has been a buyer over the last 12 months, purchasing a net total of €217k worth in shares.
Board Change • Sep 01Insufficient new directorsNo new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 6 experienced directors. 1 highly experienced director. Independent Director Mary Taylor was the last director to join the board, commencing their role in 2021. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Aug 07Second quarter 2024 earnings released: EPS: US$0.08 (vs US$0.12 in 2Q 2023)Second quarter 2024 results: EPS: US$0.08 (down from US$0.12 in 2Q 2023). Revenue: US$62.1m (up 6.1% from 2Q 2023). Net income: US$3.96m (down 35% from 2Q 2023). Profit margin: 6.4% (down from 11% in 2Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.0% p.a. on average during the next 2 years, compared to a 5.3% growth forecast for the Insurance industry in Europe.
Valuation Update With 7 Day Price Move • Aug 06Investor sentiment deteriorates as stock falls 16%After last week's 16% share price decline to €1.99, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 10x in the Insurance industry in Germany. Total loss to shareholders of 23% over the past year.
Valuation Update With 7 Day Price Move • Jul 01Investor sentiment deteriorates as stock falls 18%After last week's 18% share price decline to €2.34, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 7.3% over the past year.
Valuation Update With 7 Day Price Move • May 15Investor sentiment improves as stock rises 23%After last week's 23% share price gain to €2.36, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 10x in the Insurance industry in Germany. Total returns to shareholders of 28% over the past year.
Reported Earnings • May 08First quarter 2024 earnings released: EPS: US$0.09 (vs US$0.098 in 1Q 2023)First quarter 2024 results: EPS: US$0.09 (down from US$0.098 in 1Q 2023). Revenue: US$57.7m (up 3.2% from 1Q 2023). Net income: US$4.54m (down 6.8% from 1Q 2023). Profit margin: 7.9% (down from 8.7% in 1Q 2023). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.3% p.a. on average during the next 2 years, compared to a 5.5% growth forecast for the Insurance industry in Europe.
お知らせ • May 01Citizens, Inc., Annual General Meeting, Jun 18, 2024Citizens, Inc., Annual General Meeting, Jun 18, 2024, at 10:00 Central Standard Time. Location: The Company’s principal executive office at 11815 Alterra Parkway, Suite 1500 Austin, Texas 78758 Texas United States Agenda: To approve the Election of Directors ; to Ratify the Appointment of Grant Thornton LLP as the Company’s independent registered public accounting firm for 2024; to approve the Advisory Vote to Approve Executive Compensation; and.
Reported Earnings • Mar 15Full year 2023 earnings released: EPS: US$0.49 (vs US$0.13 loss in FY 2022)Full year 2023 results: EPS: US$0.49 (up from US$0.13 loss in FY 2022). Revenue: US$240.7m (up 3.5% from FY 2022). Net income: US$24.4m (up US$31.1m from FY 2022). Profit margin: 10% (up from net loss in FY 2022). The move to profitability was primarily driven by lower expenses.
New Risk • Dec 07New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.6% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
Reported Earnings • Nov 08Third quarter 2023 earnings released: EPS: US$0.06 (vs US$0.10 loss in 3Q 2022)Third quarter 2023 results: EPS: US$0.06 (up from US$0.10 loss in 3Q 2022). Revenue: US$59.4m (up 5.7% from 3Q 2022). Net income: US$2.70m (up US$7.83m from 3Q 2022). Profit margin: 4.5% (up from net loss in 3Q 2022). The move to profitability was primarily driven by lower expenses.
Reported Earnings • Aug 06Second quarter 2023 earnings released: EPS: US$0.12 (vs US$0.07 loss in 2Q 2022)Second quarter 2023 results: EPS: US$0.12 (up from US$0.07 loss in 2Q 2022). Revenue: US$58.5m (up 8.9% from 2Q 2022). Net income: US$6.13m (up US$9.67m from 2Q 2022). Profit margin: 11% (up from net loss in 2Q 2022). The move to profitability was primarily driven by higher revenue.
Recent Insider Transactions • May 17Executive Vice-Chairman of the Board recently bought €94k worth of stockOn the 11th of May, Gerald Shields bought around 55k shares on-market at roughly €1.70 per share. This transaction amounted to 64% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. Gerald has been a buyer over the last 12 months, purchasing a net total of €278k worth in shares.
お知らせ • May 10Citizens, Inc., Annual General Meeting, Jun 06, 2023Citizens, Inc., Annual General Meeting, Jun 06, 2023, at 10:00 Central Standard Time. Location: citizens, inc. headquarters 11815 alterra parkway, suite 1500, austin, texas 78758 Texas United States Agenda: To elect each of the eight director nominees identified in the accompanying Proxy Statement to serve until the next annual meeting of shareholders or until his or her successor is duly elected and qualified; to ratify the appointment of Grant Thornton LLP as the Company's independent registered public accounting firm for 2023; to approve, on a non-binding advisory basis, executive compensation ( Say-on-Pay"); and to transact such other business matter.
Reported Earnings • May 09First quarter 2023 earnings released: EPS: US$0.10 (vs US$0.027 loss in 1Q 2022)First quarter 2023 results: EPS: US$0.10 (up from US$0.027 loss in 1Q 2022). Revenue: US$55.9m (up 1.0% from 1Q 2022). Net income: US$4.87m (up US$6.21m from 1Q 2022). Profit margin: 8.7% (up from net loss in 1Q 2022). The move to profitability was primarily driven by lower expenses.