Discounted Cash Flow
Citizens, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $245.4m | $2.0m | $100.1m | 0.8% | — |
| 2017 | $252.6m (2.9%) | $-38.1m (-2036.4%) | $91.7m (-8.4%) | -15.1% (-1981.0%) | — |
| 2018 | $244.0m (-3.4%) | $-11.1m (71.0%) | $83.9m (-8.5%) | -4.5% (70.0%) | — |
| 2019 | $250.5m (2.7%) | $-1.4m (87.6%) | $71.7m (-14.5%) | -0.5% (87.9%) | — |
| 2020 | $238.9m (-4.7%) | $-11.0m (-702.0%) | $48.6m (-32.2%) | -4.6% (-741.3%) | — |
| 2021 | $250.5m (4.9%) | $36.8m (434.8%) | $39.4m (-18.9%) | 14.7% (419.2%) | — |
| 2022 | $232.5m (-7.2%) | $-6.6m (-118.0%) | $56.8m (44.0%) | -2.9% (-119.4%) | — |
| 2023 | $240.7m (3.5%) | $24.4m (468.1%) | $21.6m (-62.0%) | 10.2% (455.7%) | — |
| 2024 | $245.0m (1.8%) | $14.9m (-39.0%) | $31.3m (44.6%) | 6.1% (-40.1%) | — |
| 2025 | $255.6m (4.3%) | $14.6m (-2.2%) | $17.5m (-43.9%) | 5.7% (-6.2%) | — |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.