Citizens, Inc. (CIA) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 23, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 6, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CIA SEC filings page.
Citizens, Inc. (CIA) reported $255.0M in revenue over the twelve months to Jun 30, 2026, up 3.7% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Revenue grew 4.3% in FY2025, yet operating cash flow fell 43.6% , making cash generation the central operating issue.
In FY2025, revenue rose4.3% but operating cash flow fell43.6% , making cash generation relative to sales materially weaker. Free cash flow margin fell 5.9 percentage points to6.9% ; because capital spending was only0.2% of revenue, the deterioration is not explained by heavier reinvestment.
Liabilities were
Capital spending was only
Financial Health Signals
Scored against insurers for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 4 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Citizens, Inc.'s business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Loss Ratio measures the claims an insurer paid out against the premiums it earned, so a lower ratio leaves more of every premium dollar with the company. Citizens, Inc. scores 13/100 on it among other insurers.
Not available for Citizens, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Citizens, Inc. funded 13.4% of its assets with shareholders' equity at the end of fiscal year 2025, holding $235.0M of equity against $1.8B of assets. Capital ranks insurers on that cushion, and Citizens, Inc. scores 24/100 among other insurers.
Not available for Citizens, Inc., so it is left out of the overall score, which averages the 4 of 6 dimensions that can be computed.
Combined Ratio puts claims and running costs together against premiums earned, and a figure under 100% means the underwriting made money before any investment income was counted. Citizens, Inc. scores 25/100 on it among other insurers.
Stability measures how much a insurer's earnings swing from year to year, since a steady result is worth more than an average one that arrives unevenly. Citizens, Inc. scores 62/100 on it among other insurers.
Key Financial Metrics
Earnings & Revenue
Citizens, Inc. generated $60.4M in revenue in Q2 2026. This represents a decrease of 7.2% from the same quarter a year earlier. Against the prior quarter it is up 1.2%.
Citizens, Inc. reported a net loss of $425K in Q2 2026. This represents a decrease of 106.6% from the same quarter a year earlier. Against the prior quarter it is down 118.7%.
Not reported for Q2 2026.
Not reported for Q2 2026.
Cash & Balance Sheet
Citizens, Inc. generated $2.0M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 38.9% from the same quarter a year earlier. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.
Citizens, Inc. held $17.0M in cash as of Q2 2026; no long-term debt figure is on record for that period.
Not reported for Q2 2026.
Margins & Returns
Citizens, Inc.'s net profit margin was -0.7% in Q2 2026, showing the share of revenue converted to profit. This is down 10.6 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.5 percentage points.
Citizens, Inc.'s quarterly ROE was -0.2% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 3.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 1.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Citizens, Inc. invested $35K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 80.1% from the same quarter a year earlier. Against the prior quarter it is down 89.3%.
Not reported for Q2 2026.
Not reported for Q2 2026.
CIA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Revenue | $60.4M-7.2% | $59.7M+7.3% | $72.1M+13.5% | $62.8M+1.7% | $65.1M+4.8% | $55.7M-3.6% | $63.5M-5.0% | $61.7M+3.9% |
| Income Tax | -$104K-122.9% | $106Kn/m | $526K+453.7% | $2.1M+734.8% | $455Kn/m | -$164K-142.8% | $95Kn/m | $247K-87.3% |
| Net Income | -$425K-106.6% | $2.3Mn/m | $7.3M+102.7% | $2.4M-13.4% | $6.5M+63.1% | -$1.6M-135.7% | $3.6M-66.3% | $2.8M+3.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
CIA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $1.8B+2.3% | $1.7B+2.2% | $1.8B+4.1% | $1.7B+0.4% | $1.7B+3.0% | $1.7B+2.2% | $1.7B+1.0% | $1.7B+10.9% |
| Cash & Equivalents | $17.0M-25.2% | $18.5M+0.9% | $23.0M-21.5% | $23.1M-28.6% | $22.7M-13.9% | $18.4M-21.0% | $29.3M+8.4% | $32.4M+92.9% |
| Long-Term Investments | $83.3M-13.7% | $86.6M-7.2% | $85.4M-8.7% | $85.7M-8.2% | $96.4M+4.6% | $93.3M+9.6% | $93.6M+13.2% | $93.4M+17.1% |
| Total Liabilities | $1.5B+2.3% | $1.5B+1.1% | $1.5B+3.0% | $1.5B-0.8% | $1.5B+0.8% | $1.5B+0.9% | $1.5B-1.5% | $1.5B+8.2% |
| Total Equity | $235.2M+2.7% | $238.7M+9.4% | $235.0M+11.7% | $225.6M+8.7% | $229.0M+19.6% | $218.1M+11.8% | $210.4M+22.2% | $207.6M+35.9% |
| Retained Earnings | $73.5M+18.7% | $73.9M+33.3% | $71.7M+25.6% | $64.3M+20.3% | $61.9M+22.2% | $55.4M+18.7% | $57.1M+35.4% | $53.4M+70.6% |
Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Goodwill, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
CIA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $2.0M-41.0% | -$323K-143.2% | $9.1M-16.0% | $4.7M-51.9% | $3.5M-24.4% | $748K-89.0% | $10.8M+63.7% | $9.7M+199.3% |
| Depreciation & Amortization | $180K-1.1% | $171K+6.2% | $206K+17.0% | $192K+26.3% | $182K+23.8% | $161K+11.8% | $176K+30.4% | $152K+15.2% |
| Capital Expenditures | $35K-80.1% | $326K+204.7% | $104K+2.0% | $60K-83.9% | $176K+34.4% | $107K+84.5% | $102K-32.0% | $372K+78.8% |
| Free Cash Flow | $2.0M-38.9% | -$649K-201.2% | $9.0M-16.2% | $4.6M-50.6% | $3.3M-26.1% | $641K-90.5% | $10.7M+66.0% | $9.3M+207.6% |
| Investing Cash Flow | -$3.0M-162.6% | -$3.4Mn/m | -$8.5Mn/m | -$4.5Mn/m | $4.8Mn/m | -$11.4Mn/m | -$13.8M-448.2% | -$3.1Mn/m |
| Financing Cash Flow | -$603Kn/m | -$705Kn/m | -$733Kn/m | $307Kn/m | -$4.0Mn/m | -$231Kn/m | -$98Kn/m | -$545Kn/m |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | $0-100.0% | $0n/m |
Not reported in any period shown, so not listed: Stock-Based Compensation, Dividends Paid.
CIA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-K | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-K |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -0.7%-10.6pp | 3.8%+6.7pp | 10.2%+4.5pp | 3.9%-0.7pp | 9.9%+3.5pp | -2.9%-10.8pp | 5.7%-10.4pp | 4.5%0.0pp |
| Return on Equity | -0.2%-3.0pp | 0.9%+1.7pp | 3.1%+1.4pp | 1.1%-0.3pp | 2.8%+0.8pp | -0.7%-3.1pp | 1.7%-4.5pp | 1.3%-0.4pp |
| Return on Assets | 0.0%-0.4pp | 0.1%+0.2pp | 0.4%+0.2pp | 0.1%0.0pp | 0.4%+0.1pp | -0.1%-0.4pp | 0.2%-0.4pp | 0.2%0.0pp |
| Liabilities-to-Equity | 6.450.0x | 6.29-0.5x | 6.47-0.5x | 6.72-0.6x | 6.48-1.2x | 6.80-0.7x | 7.01-1.7x | 7.36-1.9x |
| Asset Turnover | 0.030.0x | 0.030.0x | 0.040.0x | 0.040.0x | 0.040.0x | 0.030.0x | 0.040.0x | 0.040.0x |
| FCF Margin | 3.3%-1.7pp | -1.1%-2.2pp | 12.5%-4.4pp | 7.3%-7.8pp | 5.1%-2.1pp | 1.1%-10.5pp | 16.9%+7.2pp | 15.1%+10.0pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Citizens, Inc. CIA | FY2025 | $255.6M | N/A | N/A | $182.3M | 31/100 |
| Atlantic American Corp AAME | FY2025 | $210.4M | $6.0M | 2.9% | $25.3M | 40/100 |
| NI Holdings, Inc. NODK | FY2025 | $285.1M | -$10.4M | -3.6% | $304.0M | 47/100 |
| XChange TEC.INC XHG | FY2025 | $51.3M | -$105.1M | N/A | $195.4M | 2/100 |
| James River Group Holdings, Inc. JRVR | FY2025 | $687.6M | $47.4M | 6.9% | $183.6M | 20/100 |
Where Citizens, Inc. Ranks
Frequently Asked Questions
What is Citizens, Inc.'s annual revenue?
Citizens, Inc. (CIA) reported $255.6M in total revenue for fiscal year 2025. This represents a 4.3% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Citizens, Inc.'s revenue growing?
Citizens, Inc. (CIA) revenue grew by 4.3% year-over-year, from $245.0M to $255.6M in fiscal year 2025.
What is Citizens, Inc.'s free cash flow?
Citizens, Inc. (CIA) generated $17.5M in free cash flow during fiscal year 2025. This represents a -43.9% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Citizens, Inc.'s operating cash flow?
Citizens, Inc. (CIA) generated $18.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Citizens, Inc.'s total assets?
Citizens, Inc. (CIA) had $1.8B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Citizens, Inc.'s capital expenditures?
Citizens, Inc. (CIA) invested $447K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Citizens, Inc.'s liabilities-to-equity ratio?
Citizens, Inc. (CIA) had a liabilities-to-equity ratio of 6.47 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.
What is Citizens, Inc.'s P/E ratio?
Citizens, Inc. (CIA) trades at 15.7x earnings, its market capitalization divided by $11.6M net income, trailing 12 months to June 30, 2026. The market capitalization is $182.3M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Citizens, Inc.'s price-to-sales ratio?
Citizens, Inc. (CIA) trades at 0.7x sales, its market capitalization divided by $255.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $182.3M as of Oct 23, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
How financially healthy is Citizens, Inc.?
Citizens, Inc. (CIA) scores 31 out of 100 on our Financial Health Score, indicating weak standing within its insurers peer group. The score is the average of six dimensions (Loss Ratio, Premium Growth, Capital, Investment Yield, Combined Ratio, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For Citizens, Inc. it averages the 4 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.