Citizens's earnings have been declining at an average annual rate of -8.2%, while the Insurance industry saw earnings growing at 14.2% annually. Revenues have been growing at an average rate of 0.8% per year. Citizens's return on equity is 7.7%, and it has net margins of 7.1%.
Key information
-8.16%
Earnings growth rate
-8.16%
EPS growth rate
Insurance Industry Growth
5.90%
Revenue growth rate
0.83%
Return on equity
7.74%
Net Margin
7.12%
Last Earnings Update
31 Mar 2026
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Citizens makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
DB:YCX Revenue, expenses and earnings (USD Millions)
Date
Revenue
Earnings
G+A Expenses
R&D Expenses
31 Mar 26
260
18
54
0
31 Dec 25
256
15
53
0
30 Sep 25
247
11
52
0
30 Jun 25
246
11
50
0
31 Mar 25
243
9
54
0
31 Dec 24
245
15
52
0
30 Sep 24
248
22
52
0
30 Jun 24
246
22
52
0
31 Mar 24
242
24
47
0
31 Dec 23
241
24
47
0
30 Sep 23
241
27
48
0
30 Jun 23
238
28
47
0
31 Mar 23
233
24
45
0
31 Dec 22
233
26
45
0
30 Sep 22
235
50
43
0
30 Jun 22
241
44
42
0
31 Mar 22
250
47
43
0
31 Dec 21
251
73
43
0
30 Sep 21
246
0
35
0
30 Jun 21
244
-5
44
0
31 Mar 21
239
-11
44
0
31 Dec 20
239
-11
44
0
30 Sep 20
244
-8
53
0
30 Jun 20
245
2
45
0
31 Mar 20
244
-1
46
0
31 Dec 19
251
-1
48
0
30 Sep 19
246
-8
52
0
30 Jun 19
246
-17
53
0
31 Mar 19
249
-15
55
0
31 Dec 18
244
-11
48
0
30 Sep 18
246
-54
48
0
30 Jun 18
249
-43
43
0
31 Mar 18
250
-40
38
0
31 Dec 17
253
-38
42
0
30 Sep 17
253
6
37
0
30 Jun 17
250
6
35
0
31 Mar 17
250
6
34
0
31 Dec 16
245
2
33
0
30 Sep 16
240
0
31
0
30 Jun 16
236
-3
33
0
31 Mar 16
235
-6
35
0
31 Dec 15
236
-3
33
0
30 Sep 15
238
-13
42
0
30 Jun 15
237
-10
41
0
Quality Earnings: YCX has high quality earnings.
Growing Profit Margin: YCX's current net profit margins (7.1%) are higher than last year (3.6%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: YCX has become profitable over the past 5 years, growing earnings by -8.2% per year.
Accelerating Growth: YCX's earnings growth over the past year (111.3%) exceeds its 5-year average (-8.2% per year).
Earnings vs Industry: YCX earnings growth over the past year (111.3%) exceeded the Insurance industry 32.1%.
Return on Equity
High ROE: YCX's Return on Equity (7.7%) is considered low.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
Data
Last Updated (UTC time)
Company Analysis
2026/06/15 11:52
End of Day Share Price
2026/06/15 00:00
Earnings
2026/03/31
Annual Earnings
2025/12/31
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Citizens, Inc. is covered by 1 analysts. 1 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.