Valuation: Citizens, Inc.

Market Cap 182M 160M 151M 137M 257M 17.43B 259M 1.8B 698M 8.9B 683M 668M 28.61B P/E 2026 *
19.9x
P/E 2027 * 13.3x
Enterprise Value 170M 149M 141M 129M 241M 16.32B 243M 1.69B 654M 8.34B 639M 626M 26.8B EV / Sales 2026 *
0.66x
EV / Sales 2027 * 0.66x
Free-Float
80.02%
Yield 2026 *
-
Yield 2027 * -
1 day-0.55%
1 week+0.28%
Current month-4.52%
1 month-8.65%
3 months-43.73%
6 months-21.10%
Current year-25.67%
1 week 3.4
Extreme 3.4
3.73
1 month 3.39
Extreme 3.39
4.06
Current year 3.39
Extreme 3.39
6.54
1 year 3.39
Extreme 3.39
6.54
3 years 1.78
Extreme 1.78
6.54
5 years 1.64
Extreme 1.64
6.99
10 years 1.64
Extreme 1.64
11.93
Manager TitleAgeSince
Chief Executive Officer 61 2024-06-30
Director of Finance/CFO 56 2019-03-26
Chief Tech/Sci/R&D Officer 61 2020-12-31
Director TitleAgeSince
Director/Board Member 65 2017-06-08
Director/Board Member 61 2021-07-31
Director/Board Member 61 2020-12-31
Date Insider Type Main position Quantity % Market Cap. Importance
8/31/26 Buy

Director

10,000 0.0197%
8/15/26 Exercice

Chief Technology Officer

6,214 0.0123%
8/15/26 Exercice

Chief Operating Officer

5,892 0.0117%
Change 5-day change 1-year change 3-year change Capi.($)
-0.55%+0.28%-37.24%+20.47% 182M
-2.92%-2.72%+34.56%+138.96% 143B
-1.96%-0.33%+73.41%+166.40% 66.12B
+0.75%+0.33%-6.23%+26.85% 53.99B
+3.78%+2.04%+72.28%+105.66% 44.81B
+1.39%-0.35%+34.57%+120.70% 23.7B
-1.02%-0.89%+163.18%+233.39% 20.81B
-0.74%+0.64%-3.16%+35.07% 18.23B
+2.38%+0.83%+37.59%+91.82% 15.19B
-0.86%-1.78%+37.00%+144.64% 13B
Average +0.02%-0.11%+40.59%+108.40% 39.92B
Weighted average by Cap. -0.79%-0.79%+44.85%+122.04%

Financials

2026 *2027 *
Net sales 256M 225M 212M 193M 362M 24.55B 365M 2.54B 984M 12.54B 962M 941M 40.31B 267M 234M 221M 202M 378M 25.6B 380M 2.65B 1.03B 13.08B 1B 981M 42.04B
Net income 9.56M 8.39M 7.92M 7.22M 13.52M 916M 13.62M 94.83M 36.73M 468M 35.9M 35.13M 1.5B 14.01M 12.3M 11.61M 10.58M 19.81M 1.34B 19.95M 139M 53.83M 686M 52.61M 51.48M 2.21B
Net Debt -11.49M -10.09M -9.53M -8.68M -16.25M -1.1B -16.37M -114M -44.15M -563M -43.16M -42.22M -1.81B -6.03M -5.29M -5M -4.55M -8.53M -578M -8.59M -59.81M -23.17M -295M -22.64M -22.15M -949M
Logo Citizens, Inc.
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 United States (U.S.), Latin America, and Asia. It operates 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. residents, located principally in Latin America and the Pacific Rim. In the U.S. it primarily sells whole-life final expense insurance and insurance with living benefits. This segment operates business through CICA Life, A.I. (CICA International) and CICA Life Insurance Company of America (CICA Domestic). The Home Service Insurance segment offers affordable life insurance policies to lower-income households in Louisiana, Mississippi and Arkansas, conducting business through Security Plan Life Insurance Company and Magnolia Guaranty Life Insurance Company.
Employees
245
Date Price Change Volume
26-09-25 US$3.590 -0.55% 148,409
26-09-24 US$3.610 +2.27% 103,281
26-09-23 US$3.530 -4.85% 97,841
26-09-22 US$3.710 +2.77% 123,335
26-09-21 US$3.610 +0.84% 106,977
Trader
Investor
Global
Quality
-
ESG MSCI
-
Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
3.590USD
Average target price
5.250USD
Spread / Average Target
+46.24%

Quarterly revenue - Rate of surprise