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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt No Debt
CIA's Cash to Debt is ranked higher than
99% of the 149 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.85 vs. CIA: No Debt )
CIA' s 10-Year Cash to Debt Range
Min: 2.12   Max: No Debt
Current: No Debt

Equity to Asset 0.20
CIA's Equity to Asset is ranked higher than
95% of the 155 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 vs. CIA: 0.20 )
CIA' s 10-Year Equity to Asset Range
Min: 0.19   Max: 0.33
Current: 0.2

0.19
0.33
Interest Coverage No Debt
CIA's Interest Coverage is ranked higher than
95% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.86 vs. CIA: No Debt )
CIA' s 10-Year Interest Coverage Range
Min: 9.72   Max: 9999.99
Current: No Debt

9.72
9999.99
F-Score: 5
Z-Score: 0.37
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 3.28
CIA's Operating margin (%) is ranked higher than
68% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.07 vs. CIA: 3.28 )
CIA' s 10-Year Operating margin (%) Range
Min: -8.59   Max: 13.85
Current: 3.28

-8.59
13.85
Net-margin (%) 2.26
CIA's Net-margin (%) is ranked higher than
68% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.24 vs. CIA: 2.26 )
CIA' s 10-Year Net-margin (%) Range
Min: -10.71   Max: 9.76
Current: 2.26

-10.71
9.76
ROE (%) 1.88
CIA's ROE (%) is ranked higher than
64% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.55 vs. CIA: 1.88 )
CIA' s 10-Year ROE (%) Range
Min: -9.16   Max: 11.91
Current: 1.88

-9.16
11.91
ROA (%) 0.38
CIA's ROA (%) is ranked higher than
71% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.63 vs. CIA: 0.38 )
CIA' s 10-Year ROA (%) Range
Min: -2.65   Max: 2.79
Current: 0.38

-2.65
2.79
ROC (Joel Greenblatt) (%) 110.96
CIA's ROC (Joel Greenblatt) (%) is ranked higher than
73% of the 134 Companies
in the Global Insurance - Life industry.

( Industry Median: 304.65 vs. CIA: 110.96 )
CIA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -194.79   Max: 345.81
Current: 110.96

-194.79
345.81
Revenue Growth (%) 3.70
CIA's Revenue Growth (%) is ranked higher than
81% of the 144 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.80 vs. CIA: 3.70 )
CIA' s 10-Year Revenue Growth (%) Range
Min: -6.6   Max: 27
Current: 3.7

-6.6
27
EBITDA Growth (%) -4.70
CIA's EBITDA Growth (%) is ranked higher than
73% of the 136 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.90 vs. CIA: -4.70 )
CIA' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 72.7
Current: -4.7

0
72.7
EPS Growth (%) -30.70
CIA's EPS Growth (%) is ranked higher than
65% of the 137 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.80 vs. CIA: -30.70 )
CIA' s 10-Year EPS Growth (%) Range
Min: -33.8   Max: 57.1
Current: -30.7

-33.8
57.1
» CIA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

CIA Guru Trades in

CIA Guru Trades in

CIA Guru Trades in

Q2 2012

CIA Guru Trades in Q2 2012

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with CIA

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 70.20
CIA's P/E(ttm) is ranked higher than
64% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.10 vs. CIA: 70.20 )
CIA' s 10-Year P/E(ttm) Range
Min: 18.29   Max: 128.44
Current: 70.2

18.29
128.44
P/B 1.30
CIA's P/B is ranked higher than
82% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.54 vs. CIA: 1.30 )
CIA' s 10-Year P/B Range
Min: 1.15   Max: 2.94
Current: 1.3

1.15
2.94
P/S 1.50
CIA's P/S is ranked higher than
70% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.86 vs. CIA: 1.50 )
CIA' s 10-Year P/S Range
Min: 1.27   Max: 3.85
Current: 1.5

1.27
3.85
PFCF 3.70
CIA's PFCF is ranked higher than
87% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.11 vs. CIA: 3.70 )
CIA' s 10-Year PFCF Range
Min: 3.68   Max: 43.67
Current: 3.7

3.68
43.67
EV-to-EBIT 39.96
CIA's EV-to-EBIT is ranked higher than
68% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.23 vs. CIA: 39.96 )
CIA' s 10-Year EV-to-EBIT Range
Min: 8.2   Max: 268.1
Current: 39.96

8.2
268.1
Shiller P/E 84.30
CIA's Shiller P/E is ranked higher than
71% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.27 vs. CIA: 84.30 )
CIA' s 10-Year Shiller P/E Range
Min: 30.83   Max: 446.35
Current: 84.3

30.83
446.35

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.38
CIA's Price/Tangible Book is ranked higher than
84% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.74 vs. CIA: 1.38 )
CIA' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 5.01
Current: 1.38

0.9
5.01
Price/DCF (Projected) 0.41
CIA's Price/DCF (Projected) is ranked higher than
85% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.47 vs. CIA: 0.41 )
CIA' s 10-Year Price/DCF (Projected) Range
Min: 0.41   Max: 4.68
Current: 0.41

0.41
4.68
Price/Median PS Value 0.81
CIA's Price/Median PS Value is ranked higher than
94% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.06 vs. CIA: 0.81 )
CIA' s 10-Year Price/Median PS Value Range
Min: 0.44   Max: 2.64
Current: 0.81

0.44
2.64
Price/Graham Number 2.05
CIA's Price/Graham Number is ranked higher than
68% of the 157 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. CIA: 2.05 )
CIA' s 10-Year Price/Graham Number Range
Min: 0.93   Max: 5.48
Current: 2.05

0.93
5.48
Earnings Yield (Greenblatt) 2.50
CIA's Earnings Yield (Greenblatt) is ranked higher than
64% of the 154 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.40 vs. CIA: 2.50 )
CIA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.4   Max: 12.3
Current: 2.5

0.4
12.3
Forward Rate of Return (Yacktman) 11.94
CIA's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 138 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.99 vs. CIA: 11.94 )
CIA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -16.8   Max: 68.6
Current: 11.94

-16.8
68.6

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Citizens, Inc. was formed in 1969 by its Chairman, Harold E. Riley. The Company, through its subsidiaries, provides life and health insurance policies in the United States and internationally. It primarily offers life insurance, endowments, credit insurance, final expense, and limited liability property policies. Its insurance operations are segmented into three - Life Insurance, Home Service and Other Non-Insurance Enterprises. The Life Insurance segment, through CICA Life Insurance Company of America and Citizens National Life Insurance Company, offers whole life insurance and endowment policies to high net worth and high income residents in Latin America and the Pacific Rim. This segment offers its products through independent marketing firms and consultants. Its Home Service Insurance segment focuses on the life insurance needs of the middle and lower income markets primarily in Louisiana, Mississippi, and Arkansas. This segment provides whole life and pre-need policies designed to fund final expenses for the insured primarily consisting of funeral and burial costs; and limited-liability named peril property policies covering dwellings and contents. The Home Service Insurance segment markets its policies through home service marketing distribution system; and through funeral homes and independent agents who sell policies, collect premiums, and service policyholders. Other Non-insurance Enterprises includes Computing Technology, Inc., which provides data processing services to the Company, and Insurance Investors, Inc., which provides aviation transportation to the Company. The Company derives its revenues principally from premiums earned for insurance coverage provided to insured; net investment income; and net realized capital gains and losses.
» More Articles for CIA

Headlines

Articles On GuruFocus.com
Citizens Inc. Reports Operating Results (10-Q) Nov 05 2010 
Citizens Inc. Reports Operating Results (10-Q) Aug 06 2010 
Citizens Inc. Reports Operating Results (10-Q) May 07 2010 
Citizens Inc. Reports Operating Results (10-Q) Nov 06 2009 
Citizens Inc. Reports Operating Results (10-Q) Aug 07 2009 
Citizens, Inc. Reports Second Quarter Results Aug 06 2009 
Citizens Inc. Reports Operating Results (10-Q) May 08 2009 

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