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name
Citizens
CIA.US
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S.
629.42 B
CIA.USMarket value -Rank by Market Cap -/-

Financial Score

05/12/2025 Update
D
Life and Health InsuranceIndustry
Industry Ranking22/22
Industry medianC
Industry averageC
Score Analysis
Peer Comparison
  • Criteria
    Rating
  • Profit ScoreC
    • ROE5.02%C
    • Profit Margin4.40%C
    • Gross Margin28.29%C
  • Growth ScoreD
    • Revenue YoY-0.55%D
    • Net Profit YoY-50.64%D
    • Total Assets YoY0.38%C
    • Net Assets YoY8.69%B
  • Cash ScoreB
    • Cash Flow Margin2271.66%A
    • OCF YoY-0.55%D
  • Operating ScoreE
    • Turnover0.14E
  • Debt ScoreE
    • Gearing Ratio87.05%E

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Institutional View & Shareholder

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    News
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    Citizens Inc. to Present at Sidoti and Emerging Growth Virtual Conferences

    Citizens Inc. will present at the Sidoti Virtual Conference on December 10, 2025, at 2:30 ET, and at the Emerging Growth Virtual Conference on December 11, 2025, at 3:10 ET. Both presentations will be available via live webcast on the company's Investor Relations website and archived for later viewing.

    Reuters·
    US
    CIA
    +0.75%
    Reuters·
    US
    CIA
    +0.75%

    Citizens Inc. Files Initial Statement of Beneficial Ownership for Director Michael Philip Harwood

    Citizens Inc. filed an initial statement of beneficial ownership (Form 3) with the SEC, identifying Michael Philip Harwood as a Director. The filing is available via EDGAR. Disclaimer: This AI-generated content is for informational purposes only and not financial, investment, or legal advice. Citizens Inc. published the original content on November 17, 2025.

    Reuters·
    US
    CIA
    +0.75%
    Reuters·
    US
    CIA
    +0.75%

    Citizens Inc. Reports Mixed Financial Results for Q3 2025

    Citizens Inc. reported mixed Q3 2025 financial results, with total revenues rising to $183.5 million, up from $181.5 million in 2024. However, net income fell to $7.3 million from $11.3 million due to investment-related challenges and increased insurance benefits paid. Net investment income increased to $53.7 million, while net investment-related losses were $1.7 million. Total assets grew to $1.74 billion. The company aims to enhance its financial position and adapt to market conditions through strategic investments.

    Tip Ranks·
    US
    CIA
    +0.75%
    Tip Ranks·
    US
    CIA
    +0.75%

    Citizens (NYSE:CIA) Stock Price Passes Above 200 Day Moving Average After Earnings Miss

    Citizens, Inc. (NYSE:CIA) shares surpassed their 200-day moving average of $4.54, trading at $5.7270 after a disappointing earnings report. The company reported $0.04 earnings per share, missing estimates of $0.06, with revenue of $62.81 million against expectations of $63.46 million. Analysts have mixed ratings, with one Strong Buy and one Hold. Institutional investors have increased their stakes, owning 13.73% of the stock. Despite a current Buy rating, analysts suggest other stocks may be better investments.

    Market Beat·
    US
    CIA
    +0.75%
    Market Beat·
    US
    CIA
    +0.75%

    Citizens, Inc. Appoints Michael Harwood to Board of Directors

    Citizens, Inc. has appointed Michael Harwood to its Board of Directors, effective November 6, 2025. Harwood, who has extensive experience in the life insurance sector, previously held senior positions at AIG Life & Retirement and MetLife. This appointment fills a board vacancy, and further details regarding committee roles have not been disclosed.

    TradingView·
    US
    CIA
    +0.75%
    TradingView·
    US
    CIA
    +0.75%
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