Citizens, Inc. (CIA) financials — revenue, cash, debt and margins

Citizens, Inc. (CIA) financials — revenue, cash, debt and margins — InspectStocks

Key figures

Trailing twelve months where a flow is involved, latest reported balance where it is not.

Valuation

Market cap: $182.8M
P/E (TTM): —
Price / sales: 0.72
EV / EBITDA: —
Price / book: 0.78

Cash flow

FCF yield: 8.2%
SBC-adjusted FCF yield: 11.3%
SBC impact: 6.0%
Stock compensation (TTM): $900K

Margins & growth

Profit margin: 4.5%
Operating margin: —
Quarterly revenue (year on year): -7.2%
Quarterly earnings (year on year): -106.6%

Balance sheet

Cash & investments: $33.4M
Debt: $7.4M
Net cash / (debt): $26.1M

Where the revenue comes from

International Insurance is 69% of revenue.

By business segment

Year to Dec 31, 2025 · $254.7M

International Insurance69%
$175.7M+3.0% vs. a year earlier
Domestic Insurance31%
$79.1M+7.6% vs. a year earlier

What it owns and what it owes

Both on one scale, because both are money — the bar that is taller is the one that matters.

Cash and debt

Cash & InvestmentsTotal Debt

Cash counts short-term investments, not just the bank balance — technology companies park most of it in marketable securities, and leaving those out understates it several times over. Debt includes lease obligations.

The rest of the series

Not on the overview because five charts is as much as one decision needs — but here in full, on one period switch. Each bar sums the four quarters ending there — a full year, brought up to today.

Total Revenue

$255.01MQ2 2026-1.8%

1Y: +3.69%2Y: +3.65%5Y: +4.58%

Everything the company sold, before any costs. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit

$11.6MQ2 2026-37.2%4.5% of revenue

1Y: +3.12%2Y: -47.14%5Y: +335.35%

What was left after every cost, including tax. Each bar sums the four quarters ending there — a full year, brought up to today.

Profit margin

4.5%Q2 2026-36.1%

How much of every dollar of sales the company keeps as profit. A grocer keeps a few cents; a software company can keep half. Each point covers the four quarters ending there — a full year, brought up to today.

Free Cash Flow

$14.97MQ2 2026-7.9%

1Y: -37.65%2Y: -27.65%5Y: -47.12%

Cash left over after running and maintaining the business. Each bar sums the four quarters ending there — a full year, brought up to today.

Shares outstanding

50.68M2023-0.4%

No TTM figures — showing Yearly

How many shares the profit is divided across. Rising is dilution; falling is the company buying itself back. Restated onto today’s basis, so splits do not show as jumps. One point per fiscal year, as filed. Stops at the last completed year.

About Citizens, Inc.

Ticker: CIA
SEC classification: Life Insurance (6311)
Listed on: NYSE
Incorporated in: CO
Financial year ends: December 31
Filer size: Accelerated filer

About this data

Everything above comes from Citizens, Inc.’s own filings with the SEC, as reported. No estimates, no analyst figures, nothing adjusted.

Not reported by this filer: Cost of Revenue, Gross Profit, R&D Expense, SG&A Expense, Total Operating Expenses, Operating Income, Interest Expense, Profit per share, Interest Income, Net Interest Income, Non-interest Income, Non-interest Expense, Provision for Credit Losses, Deposits, Loans, Current Assets, Current Liabilities, Inventory, Receivables, Long-term Debt (noncurrent), Long-term Debt (current), Short-term Borrowings, Borrowings (total), Operating Lease (current), Operating Lease (noncurrent), Finance Lease (current), Finance Lease (noncurrent), Dividends paid, and Amortization of Intangibles. Companies choose which XBRL tags to use, and anything untagged cannot be recovered — so these are blank rather than guessed.