Citizens, Inc.

NYSE:CIA Stock Report

Market Cap: US$199.6m

Citizens Past Earnings Performance

Past criteria checks 2/6

Citizens has been growing earnings at an average annual rate of 37.4%, while the Insurance industry saw earnings growing at 12.6% annually. Revenues have been declining at an average rate of 0.4% per year. Citizens's return on equity is 10.6%, and it has net margins of 8.9%.

Key information

37.4%

Earnings growth rate

37.4%

EPS growth rate

Insurance Industry Growth8.0%
Revenue growth rate-0.4%
Return on equity10.6%
Net Margin8.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Citizens, Inc.'s (NYSE:CIA) Shares Bounce 27% But Its Business Still Trails The Market

Nov 05
Citizens, Inc.'s (NYSE:CIA) Shares Bounce 27% But Its Business Still Trails The Market

There's No Escaping Citizens, Inc.'s (NYSE:CIA) Muted Earnings Despite A 27% Share Price Rise

Sep 05
There's No Escaping Citizens, Inc.'s (NYSE:CIA) Muted Earnings Despite A 27% Share Price Rise

There's Reason For Concern Over Citizens, Inc.'s (NYSE:CIA) Massive 35% Price Jump

May 24
There's Reason For Concern Over Citizens, Inc.'s (NYSE:CIA) Massive 35% Price Jump

Citizens, Inc. (NYSE:CIA) Not Doing Enough For Some Investors As Its Shares Slump 25%

Mar 21
Citizens, Inc. (NYSE:CIA) Not Doing Enough For Some Investors As Its Shares Slump 25%

Risks Still Elevated At These Prices As Citizens, Inc. (NYSE:CIA) Shares Dive 26%

Jan 03
Risks Still Elevated At These Prices As Citizens, Inc. (NYSE:CIA) Shares Dive 26%

Citizens GAAP EPS of -$0.10, revenue of $43.9M

Nov 04

Citizens GAAP EPS of -$0.07, revenue of $53.73M

Aug 04

Citizens' (NYSE:CIA) Stock Price Has Reduced 23% In The Past Three Years

Jan 12
Citizens' (NYSE:CIA) Stock Price Has Reduced 23% In The Past Three Years

Revenue & Expenses Breakdown

How Citizens makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

NYSE:CIA Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2424822520
30 Jun 2424622520
31 Mar 2424224470
31 Dec 2324124470
30 Sep 2324127480
30 Jun 2323828470
31 Mar 2323324450
31 Dec 2223326450
30 Sep 2223550430
30 Jun 2224144420
31 Mar 2225047430
31 Dec 2125173430
30 Sep 212460350
30 Jun 21244-5440
31 Mar 21239-11440
31 Dec 20239-11440
30 Sep 20244-8530
30 Jun 202452450
31 Mar 20244-1460
31 Dec 19251-1480
30 Sep 19246-8520
30 Jun 19246-17530
31 Mar 19249-15550
31 Dec 18244-11480
30 Sep 18246-54480
30 Jun 18249-43430
31 Mar 18250-40380
31 Dec 17253-38420
30 Sep 172536370
30 Jun 172506350
31 Mar 172506340
31 Dec 162452330
30 Sep 162400310
30 Jun 16236-3330
31 Mar 16235-6350
31 Dec 15236-3330
30 Sep 15238-13420
30 Jun 15237-10410
31 Mar 15233-7380
31 Dec 14230-6370
30 Sep 142245260
30 Jun 142205260
31 Mar 142175260
31 Dec 132145260

Quality Earnings: CIA has high quality earnings.

Growing Profit Margin: CIA's current net profit margins (8.9%) are lower than last year (11.3%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: CIA has become profitable over the past 5 years, growing earnings by 37.4% per year.

Accelerating Growth: CIA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: CIA had negative earnings growth (-19.5%) over the past year, making it difficult to compare to the Insurance industry average (36.4%).

Return on Equity

High ROE: CIA's Return on Equity (10.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 22:41
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

Citizens, Inc. is covered by 2 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.

AnalystInstitution
Brendan Michael McCarthySidoti & Company, LLC
Ganesh D.N.Virtua Research Inc.