View ValuationCitizens 향후 성장Future 기준 점검 0/6Citizens 의 수익은 연간 2.4% 감소할 것으로 예상되는 반면, 연간 수익은 2.7% 로 증가할 것으로 예상됩니다. EPS는 연간 0.3% 만큼 쇠퇴할 것으로 예상됩니다.핵심 정보-2.4%이익 성장률-0.31%EPS 성장률Insurance 이익 성장2.0%매출 성장률2.7%향후 자기자본이익률n/a애널리스트 커버리지Low마지막 업데이트08 May 2026최근 향후 성장 업데이트공시 • 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.모든 업데이트 보기Recent updates공시 • 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).공시 • 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.공시 • May 01Citizens, Inc., Annual General Meeting, Jun 17, 2025Citizens, Inc., Annual General Meeting, Jun 17, 2025. Location: 11815 alterra parkway, suite 1500, austin, United States공시 • 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.공시 • 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.공시 • 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.공시 • 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.공시 • 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.이익 및 매출 성장 예측DB:YCX - 애널리스트 향후 추정치 및 과거 재무 데이터 (USD Millions)날짜매출이익자유현금흐름영업현금흐름평균 애널리스트 수12/31/2027272171922112/31/202625915182113/31/2026260181617N/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/A더 보기애널리스트 향후 성장 전망수입 대 저축률: YCX 의 수익은 향후 3년간 감소할 것으로 예상됩니다(연간 -2.4%).수익 vs 시장: YCX 의 수익은 향후 3년간 감소할 것으로 예상됩니다(연간 -2.4%).고성장 수익: YCX 의 수익은 향후 3년간 감소할 것으로 예상됩니다.수익 대 시장: YCX 의 수익(연간 2.7%)이 German 시장(연간 6.8%)보다 느리게 성장할 것으로 예상됩니다.고성장 매출: YCX 의 수익(연간 2.7%)은 연간 20%보다 느리게 증가할 것으로 예상됩니다.주당순이익 성장 예측향후 자기자본이익률미래 ROE: YCX의 자본 수익률이 3년 후 높을 것으로 예상되는지 판단하기에 데이터가 부족합니다.성장 기업 찾아보기7D1Y7D1Y7D1YInsurance 산업의 고성장 기업.View Past Performance기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/05/24 21:46종가2026/05/22 00:00수익2026/03/31연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Citizens, Inc.는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Brendan Michael McCarthySidoti & Company, LLC
공시 • 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.
공시 • 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).
공시 • 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.
공시 • 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
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.
공시 • 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.