← CITIZENS, INC. CIA
Market Price
$3.98
Market Cap
$197.16M
P/E Ratio
N/A
Revenue (FY 2025)
↑4.3% YoY
$255.62M
3-Yr CAGR: 3.2%
Net Income
↓-2.2% YoY
$14.59M
Net Margin: 5.7%
Free Cash Flow
↓-43.9% YoY
$17.54M
FCF Yield: 8.90%
EPS (Diluted)
N/A
Basic: N/A
Return on Equity
Efficiency
6.2%
ROA: 0.8%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (CIA)
All monetary values in millions ($M)| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $245.4M | — | $219.9M | $2.0M | — | — | — | $102.3M | $100.1M | — |
| FY 2017 | $252.6M | +2.9% | $227.8M | $-38.1M | -2,036.4% | — | — | $93.0M | $91.7M | -8.4% |
| FY 2018 | $244.0M | -3.4% | $219.4M | $-11.1M | +71.0% | — | — | $84.6M | $83.9M | -8.5% |
| FY 2019 | $250.5M | +2.7% | $223.2M | $-1.4M | +87.6% | — | — | $72.2M | $71.7M | -14.5% |
| FY 2020 | $238.9M | -4.7% | $200.3M | $-11.0M | -702.0% | — | — | $48.8M | $48.6M | -32.2% |
| FY 2021 | $250.5M | +4.9% | $216.9M | $36.8M | +434.8% | — | — | $40.5M | $39.4M | -18.9% |
| FY 2022 | $232.5M | -7.2% | $203.8M | $-6.6M | -118.0% | — | — | $56.9M | $56.8M | +44.0% |
| FY 2023 | $240.7M | +3.5% | $215.6M | $24.4M | +468.1% | — | — | $22.1M | $21.6M | -62.0% |
| FY 2024 | $245.0M | +1.8% | $218.8M | $14.9M | -39.0% | — | — | $31.9M | $31.3M | +44.6% |
| FY 2025 | $255.6M | +4.3% | $232.1M | $14.6M | -2.2% | — | — | $18.0M | $17.5M | -43.9% |
Valuation
Market Price
$3.98
Market Cap
$197.16M
Enterprise Value
N/A
P/E Ratio
N/A
P/B Ratio
0.86
FCF Yield
8.90%
Dividend Yield
N/A
Shares Outstanding
Profitability & Margins
Gross Margin
90.80%
Operating Margin
6.83%
Net Margin
5.71%
Return on Equity (ROE)
6.21%
Return on Assets (ROA)
0.83%
Asset Turnover
0.15x
Revenue 3-Yr CAGR
3.21%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
N/A
Debt / Assets
N/A
Cash & Equivalents
$22.98M
Total Debt
N/A
Book Value / Share
$4.65
Cash Flow Efficiency
Operating Cash Flow
$17.99M
Capital Expenditures (CapEx)
$447.00K
Free Cash Flow
$17.54M
OCF / Revenue
7.04%
FCF / Revenue
6.86%
FCF 3-Yr CAGR
-32.42%
Per Share Metrics
EPS (Diluted)
N/A
EPS (Basic)
N/A
Dividends / Share
N/A
Book Value / Share
$4.65
EPS YoY Growth
N/A
Balance Sheet (FY 2025)
Total Assets
$1.75B
Total Liabilities
$6.00M
Stockholders' Equity
$234.99M
Current Assets
N/A
Current Liabilities
N/A