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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 : 5/10

vs
industry
vs
history
Cash to Debt No Debt
CIA's Cash to Debt is ranked higher than
92% of the 180 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.83 vs. CIA: No Debt )
CIA' s 10-Year Cash to Debt Range
Min: 2.12   Max: No Debt
Current: No Debt

Equity to Asset 0.18
CIA's Equity to Asset is ranked higher than
92% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.07 vs. CIA: 0.18 )
CIA' s 10-Year Equity to Asset Range
Min: 0.18   Max: 0.33
Current: 0.18

0.18
0.33
Interest Coverage No Debt
CIA's Interest Coverage is ranked higher than
94% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.55 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: 0.27
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 : 5/10

vs
industry
vs
history
Operating margin (%) -1.77
CIA's Operating margin (%) is ranked higher than
61% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.77 vs. CIA: -1.77 )
CIA' s 10-Year Operating margin (%) Range
Min: -8.59   Max: 13.85
Current: -1.77

-8.59
13.85
Net-margin (%) -3.12
CIA's Net-margin (%) is ranked higher than
60% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.49 vs. CIA: -3.12 )
CIA' s 10-Year Net-margin (%) Range
Min: -10.71   Max: 9.76
Current: -3.12

-10.71
9.76
ROE (%) -2.78
CIA's ROE (%) is ranked higher than
61% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.33 vs. CIA: -2.78 )
CIA' s 10-Year ROE (%) Range
Min: -9.03   Max: 10.49
Current: -2.78

-9.03
10.49
ROA (%) -0.54
CIA's ROA (%) is ranked higher than
60% of the 185 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.64 vs. CIA: -0.54 )
CIA' s 10-Year ROA (%) Range
Min: -2.67   Max: 2.21
Current: -0.54

-2.67
2.21
ROC (Joel Greenblatt) (%) -63.96
CIA's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 160 Companies
in the Global Insurance - Life industry.

( Industry Median: 336.97 vs. CIA: -63.96 )
CIA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -189.96   Max: 332.24
Current: -63.96

-189.96
332.24
Revenue Growth (3Y)(%) 5.50
CIA's Revenue Growth (3Y)(%) is ranked higher than
72% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. CIA: 5.50 )
CIA' s 10-Year Revenue Growth (3Y)(%) Range
Min: -6.6   Max: 27
Current: 5.5

-6.6
27
EBITDA Growth (3Y)(%) -13.60
CIA's EBITDA Growth (3Y)(%) is ranked higher than
66% of the 169 Companies
in the Global Insurance - Life industry.

( Industry Median: 12.70 vs. CIA: -13.60 )
CIA' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0   Max: 31.2
Current: -13.6

0
31.2
» CIA's 10-Y Financials

Financials


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

» Details

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Ratios

vs
industry
vs
history
Forward P/E 28.17
CIA's Forward P/E is ranked higher than
72% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.83 vs. CIA: 28.17 )
N/A
P/B 1.05
CIA's P/B is ranked higher than
82% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.90 vs. CIA: 1.05 )
CIA' s 10-Year P/B Range
Min: 1.05   Max: 2.53
Current: 1.05

1.05
2.53
P/S 1.17
CIA's P/S is ranked higher than
72% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. CIA: 1.17 )
CIA' s 10-Year P/S Range
Min: 1.17   Max: 3.15
Current: 1.17

1.17
3.15
PFCF 2.89
CIA's PFCF is ranked higher than
92% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 32.73 vs. CIA: 2.89 )
CIA' s 10-Year PFCF Range
Min: 2.89   Max: 30.84
Current: 2.89

2.89
30.84
POCF 2.89
CIA's POCF is ranked higher than
92% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.58 vs. CIA: 2.89 )
CIA' s 10-Year POCF Range
Min: 2.89   Max: 148.48
Current: 2.89

2.89
148.48
Shiller P/E 41.20
CIA's Shiller P/E is ranked higher than
70% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 26.77 vs. CIA: 41.20 )
CIA' s 10-Year Shiller P/E Range
Min: 30.83   Max: 235.23
Current: 41.2

30.83
235.23
Days Sales Outstanding 16.43
CIA's Days Sales Outstanding is ranked higher than
95% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. CIA: 16.43 )
CIA' s 10-Year Days Sales Outstanding Range
Min: 11.09   Max: 49.1
Current: 16.43

11.09
49.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.12
CIA's Price/Tangible Book is ranked higher than
85% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.57 vs. CIA: 1.12 )
CIA' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 4.77
Current: 1.12

0.9
4.77
Price/DCF (Projected) 0.31
CIA's Price/DCF (Projected) is ranked higher than
94% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.26 vs. CIA: 0.31 )
CIA' s 10-Year Price/DCF (Projected) Range
Min: 0.35   Max: 5
Current: 0.31

0.35
5
Price/Median PS Value 0.63
CIA's Price/Median PS Value is ranked higher than
96% of the 213 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.14 vs. CIA: 0.63 )
CIA' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 2.72
Current: 0.63

0.45
2.72
Earnings Yield (Greenblatt) -1.80
CIA's Earnings Yield (Greenblatt) is ranked higher than
62% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.30 vs. CIA: -1.80 )
CIA' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.9   Max: 12.3
Current: -1.8

0.9
12.3
Forward Rate of Return (Yacktman) 19.00
CIA's Forward Rate of Return (Yacktman) is ranked higher than
82% of the 153 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.89 vs. CIA: 19.00 )
CIA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 47.2
Current: 19

2.5
47.2

Business Description

Industry: Insurance - Life » Insurance - Life
Compare:LFC, PIAIF, AAGIY, CNPAY, CHPXF » details
Citizens, Inc. was formed in 1969. 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. 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 competes with more than 1,000 other life insurance companies of various sizes. The Company's operations are subject to a wide variety of laws and regulations.
» More Articles for CIA

Headlines

Articles On GuruFocus.com
first May 14 2015 
Champion Iron Limited: Shareholder Update-Feasibility Study Dec 02 2014 
David Cataford Joins Champion as Vice President, Engineering Oct 31 2014 
CIM Mineral Resource and Mineral Reserve Statement & Joint Ore Reserves Committee (JORC) Resource an Oct 27 2014 
Michael O'Keeffe appointed CEO of Champion Iron Limited Oct 15 2014 
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 

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