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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 : 8/10

vs
industry
vs
history
Cash-to-Debt No Debt
CIA's Cash-to-Debt is ranked higher than
99% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.67 vs. CIA: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
CIA' s Cash-to-Debt Range Over the Past 10 Years
Min: 2.12  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.17
CIA's Equity-to-Asset is ranked higher than
76% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.09 vs. CIA: 0.17 )
Ranked among companies with meaningful Equity-to-Asset only.
CIA' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.16  Med: 0.23 Max: 0.33
Current: 0.17
0.16
0.33
Interest Coverage No Debt
CIA's Interest Coverage is ranked higher than
99% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 250.28 vs. CIA: No Debt )
Ranked among companies with meaningful Interest Coverage only.
CIA' s Interest Coverage Range Over the Past 10 Years
Min: No Debt  Med: No Debt Max: No Debt
Current: No Debt
Piotroski F-Score: 5
WACC vs ROIC
11.53%
-0.14%
WACC
ROIC
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 % 1.17
CIA's Operating Margin % is ranked lower than
91% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.20 vs. CIA: 1.17 )
Ranked among companies with meaningful Operating Margin % only.
CIA' s Operating Margin % Range Over the Past 10 Years
Min: -8.59  Med: 4.54 Max: 13.85
Current: 1.17
-8.59
13.85
Net Margin % -0.12
CIA's Net Margin % is ranked lower than
92% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.03 vs. CIA: -0.12 )
Ranked among companies with meaningful Net Margin % only.
CIA' s Net Margin % Range Over the Past 10 Years
Min: -10.71  Med: 3.31 Max: 9.76
Current: -0.12
-10.71
9.76
ROE % -0.11
CIA's ROE % is ranked lower than
92% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.80 vs. CIA: -0.11 )
Ranked among companies with meaningful ROE % only.
CIA' s ROE % Range Over the Past 10 Years
Min: -10.51  Med: 2.73 Max: 9.22
Current: -0.11
-10.51
9.22
ROA % -0.02
CIA's ROA % is ranked lower than
92% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.59 vs. CIA: -0.02 )
Ranked among companies with meaningful ROA % only.
CIA' s ROA % Range Over the Past 10 Years
Min: -1.94  Med: 0.61 Max: 2.21
Current: -0.02
-1.94
2.21
3-Year Revenue Growth Rate 5.20
CIA's 3-Year Revenue Growth Rate is ranked higher than
56% of the 79 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.00 vs. CIA: 5.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CIA' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -3.1  Med: 5.2 Max: 18.8
Current: 5.2
-3.1
18.8
GuruFocus has detected 2 Warning Signs with Citizens Inc $CIA.
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» CIA's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q1 2016

CIA Guru Trades in Q1 2016

Jim Simons 33,700 sh (New)
» More
Q2 2016

CIA Guru Trades in Q2 2016

Jim Simons 37,100 sh (+10.09%)
» More
Q3 2016

CIA Guru Trades in Q3 2016

Jim Simons 14,300 sh (-61.46%)
» More
Q4 2016

CIA Guru Trades in Q4 2016

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%)

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:OTCPK:KCLI, NYSE:IHC, NAS:TIPT, NAS:AAME, OTCPK:UTGN, OTCPK:IHRC, NAS:NWLI, NYSE:FFG, NYSE:AEL, OTCPK:MMHDF, NYSE:CNO, NYSE:PRI, OTCPK:STJPF, NYSE:TMK, OTCPK:SLFPF, OTCPK:TDHOY, OTCPK:SLLDY, OTCPK:AMLTF, NYSE:UNM, NYSE:LNC » details
Citizens Inc, through its subsidiaries, is an insurance holding company serving the life insurance needs of individuals in the United States. It offers life insurance, endowments, as well as a small amount of health insurance policies.

Citizens Inc was formed in 1969. The Company, through its subsidiaries, is an insurance holding company serving the life insurance needs of individuals in the United States. Its insurance operations include issuing and servicing U.S. Dollar-denominated ordinary whole life insurance and endowment policies predominantly to high net worth, high income foreign residents, located principally in Latin America and the Pacific Rim, through independent marketing consultants; ordinary whole life insurance policies to middle income households concentrated in the Midwest, Mountain West and southern United States through independent marketing consultants; and final expense and limited liability property policies to middle and lower income households in Louisiana, Mississippi and Arkansas through employee and independent agents in its home service distribution channel. The Company's segments are Life Insurance, Home Service and Other Non-Insurance Enterprises. The Life Insurance segment issues ordinary whole life insurance domestically and in U.S. Dollar-denominated amounts to foreign residents. These contracts are designed to provide a fixed amount of insurance coverage over the life of the insured. The Home Service segment operates in this market through its subsidiaries Security Plan Life Insurance Company ("SPLIC"), Magnolia Guaranty Life Insurance Company ("MGLIC") and Security Plan Fire Insurance Company ("SPFIC"), and focuses on the life insurance needs of the middle and lower income markets, mainly in Louisiana, Mississippi and Arkansas. 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. Its U.S. insurance operations are subject to a variety of laws and regulations.

Ratios

vs
industry
vs
history
Price-to-Owner-Earnings 6.32
CIA's Price-to-Owner-Earnings is ranked higher than
78% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.38 vs. CIA: 6.32 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CIA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.05  Med: 5.21 Max: 15.84
Current: 6.32
3.05
15.84
PB Ratio 1.81
CIA's PB Ratio is ranked lower than
74% of the 85 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. CIA: 1.81 )
Ranked among companies with meaningful PB Ratio only.
CIA' s PB Ratio Range Over the Past 10 Years
Min: 1.05  Med: 1.6 Max: 2.57
Current: 1.81
1.05
2.57
PS Ratio 1.99
CIA's PS Ratio is ranked lower than
77% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.03 vs. CIA: 1.99 )
Ranked among companies with meaningful PS Ratio only.
CIA' s PS Ratio Range Over the Past 10 Years
Min: 1.18  Med: 1.78 Max: 2.86
Current: 1.99
1.18
2.86
Price-to-Free-Cash-Flow 5.18
CIA's Price-to-Free-Cash-Flow is ranked higher than
51% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.07 vs. CIA: 5.18 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CIA' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 2.9  Med: 5.99 Max: 11.21
Current: 5.18
2.9
11.21
Price-to-Operating-Cash-Flow 5.10
CIA's Price-to-Operating-Cash-Flow is ranked higher than
53% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.21 vs. CIA: 5.10 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CIA' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 2.9  Med: 5.91 Max: 10.14
Current: 5.1
2.9
10.14
EV-to-EBIT 158.37
CIA's EV-to-EBIT is ranked lower than
100% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.39 vs. CIA: 158.37 )
Ranked among companies with meaningful EV-to-EBIT only.
CIA' s EV-to-EBIT Range Over the Past 10 Years
Min: -277.2  Med: 16.65 Max: 180.5
Current: 158.37
-277.2
180.5
EV-to-EBITDA 129.42
CIA's EV-to-EBITDA is ranked lower than
100% of the 61 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.64 vs. CIA: 129.42 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -434.9  Med: 11.95 Max: 147.5
Current: 129.42
-434.9
147.5
Shiller PE Ratio 135.46
CIA's Shiller PE Ratio is ranked lower than
95% of the 41 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. CIA: 135.46 )
Ranked among companies with meaningful Shiller PE Ratio only.
CIA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 43.86  Med: 68.38 Max: 153.86
Current: 135.46
43.86
153.86

Buy Back

vs
industry
vs
history
3-Year Average Share Buyback Ratio 1.40
CIA's 3-Year Average Share Buyback Ratio is ranked higher than
82% of the 65 Companies
in the Global Insurance - Life industry.

( Industry Median: -0.20 vs. CIA: 1.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CIA' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6.4  Med: -2.4 Max: 1.4
Current: 1.4
-6.4
1.4

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.12
CIA's Price-to-Tangible-Book is ranked lower than
66% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.29 vs. CIA: 2.12 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CIA' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.89  Med: 2.26 Max: 4.58
Current: 2.12
0.89
4.58
Price-to-Intrinsic-Value-Projected-FCF 0.49
CIA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
57% of the 44 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.54 vs. CIA: 0.49 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CIA' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.35  Med: 0.74 Max: 3.32
Current: 0.49
0.35
3.32
Price-to-Median-PS-Value 1.12
CIA's Price-to-Median-PS-Value is ranked lower than
58% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.05 vs. CIA: 1.12 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CIA' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.44  Med: 1.07 Max: 2.91
Current: 1.12
0.44
2.91
Price-to-Peter-Lynch-Fair-Value 3.53
CIA's Price-to-Peter-Lynch-Fair-Value is ranked lower than
99.99% of the 24 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.88 vs. CIA: 3.53 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CIA' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0  Med: 2.99 Max: 19.62
Current: 3.53
0
19.62
Earnings Yield (Greenblatt) % 0.59
CIA's Earnings Yield (Greenblatt) % is ranked lower than
82% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.40 vs. CIA: 0.59 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CIA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.56  Med: 5.1 Max: 12.5
Current: 0.59
0.56
12.5
Forward Rate of Return (Yacktman) % 30.16
CIA's Forward Rate of Return (Yacktman) % is ranked higher than
64% of the 58 Companies
in the Global Insurance - Life industry.

( Industry Median: 24.11 vs. CIA: 30.16 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
CIA' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: 0.3  Med: 12.5 Max: 46.3
Current: 30.16
0.3
46.3

More Statistics

Revenue (TTM) (Mil) $239.7
Beta1.22
Short Percentage of Float9.82%
52-Week Range $6.40 - 11.93
Shares Outstanding (Mil)50.08
» 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 Operating Results (10-Q) May 08 2009 

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Citizens, Inc. breached its 50 day moving average in a Bearish Manner : CIA-US : January 20, 2017 Jan 20 2017
ETFs with exposure to Citizens, Inc. : January 19, 2017 Jan 19 2017
CITIZENS INC Files SEC form 8-K, Change in Directors or Principal Officers Jan 17 2017
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Hedge Funds Are Betting On Citizens, Inc. (CIA) Dec 15 2016
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Citizens, Inc. :CIA-US: Earnings Analysis: Q3, 2016 By the Numbers : November 22, 2016 Nov 22 2016
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CITIZENS INC Financials Nov 16 2016
CITIZENS INC Files SEC form 8-K, Change in Directors or Principal Officers Nov 07 2016

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