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CITIZENS INC

CIANYSE
🏆 #3777 by market capUS Equity
$823.44▼ $28.41 (−3.45%)
Simulated price
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🏦Market Cap
$184M
Small Cap
📈Revenue Growth (YoY)
+4.3%
Slowing
📊Gross Margin
33.4%
Moderate
💵FCF Margin
5.9%
Moderate
⚖️P/S Ratio
0.7x
Cheap
Otter Score
60
Fair
No chart data available for CIA.

Trading Snapshot

Day Range
$814.14 – $828.41
52-Week Range
$3.39 – $6.54
Volume
$2.32B
Avg Volume
$1.97B
Shares Outstanding
50.6M
Next Earnings
Nov 26, 2026

Fundamentals Snapshot

Annual Revenue
$256M
Last Q Revenue
$60M
P/E Ratio
15.5
P/S Ratio
0.7x
EPS (TTM)
$0.23
Dividend Yield
0.00%
Dilution (1yr)
+2.2%

Why Investors Own CIA

  • ✓High-growth profile — revenue up -6.5% YoY with expanding US Equity exposure.
  • ✓Healthy economics — 73% gross margin and 6% free-cash-flow margin.
  • ✓New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

CIA logo

CITIZENS INC

CIA
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$256M▲ +4.3% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
35.4%▼ −28.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$17M▲ +16.6% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$18M▼ −43.9% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
51.0M▲ +2.2% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$21M▼ −$8M YoY
StockOtter · stockotter.space

About CITIZENS INC

Citizens, Inc. operates as an insurance provider, delivering a variety of life insurance solutions to both domestic U.S. and international clientele through its subsidiary companies. Its business operations are structured into two main divisions. The first, its Life Insurance segment, concentrates on issuing standard whole life and endowment policies. These policies are denominated in U.S. dollars and are primarily aimed at individuals residing outside the United States, distributed via independent marketing agencies and specialized consultants. The second division, known as Home Service Insurance, caters to households with moderate to lower incomes. This segment offers final expense life insurance, property coverage, and also provides whole life products specifically within Louisiana, Mississippi, and Arkansas. Distribution for this segment is handled through funeral homes and independent agents. Furthermore, Citizens, Inc. also provides health insurance coverage. The company was established in 1969 and is headquartered in Austin, Texas.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5★ and equally weighted (20%), averaged to a 0–100 score:💎 Quality — gross margin🚀 Growth — revenue YoY⚖️ Valuation — P/S ratio⚡ Momentum — 30-day price change💧 Dilution — 1-yr share issuance (buybacks score higher)
💎Quality★★★★★
🚀Growth★★★★★
⚖️Valuation★★★★★
⚡Momentum★★★★★
💧Dilution★★★★★
Overall Score
Fair
60/100

Analyst Price Target

ⓘ
Average Target
$1,092.39
▲ +32.7% Upside
High Target$1,252.14
Low Target$880.80
Based on 30 analysts

Latest News & Updates

🚀
Bloomberg·2h ago

CITIZENS INC tops quarterly estimates as demand accelerates

Revenue grew double digits with management guiding above consensus; margins continued to expand.

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Barron’s·5h ago

Analysts lift CIA price targets on improving margins

Several firms raised targets, citing stronger free cash flow and a healthier backlog.

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MarketWatch·1d ago

CITIZENS INC announces new agreement to expand its footprint

The move broadens the company’s reach and could add incremental revenue over the next year.