Switch to:

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
93% of the 175 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.75 vs. CIA: No Debt )
CIA' s 10-Year Cash to Debt Range
Min: 5.38   Max: No Debt
Current: No Debt

Equity to Asset 0.18
CIA's Equity to Asset is ranked higher than
92% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.06 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
98% of the 146 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.72 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: 0.29
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 (%) -1.21
CIA's Operating margin (%) is ranked higher than
61% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.77 vs. CIA: -1.21 )
CIA' s 10-Year Operating margin (%) Range
Min: -8.59   Max: 13.85
Current: -1.21

-8.59
13.85
Net-margin (%) -2.83
CIA's Net-margin (%) is ranked higher than
60% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.28 vs. CIA: -2.83 )
CIA' s 10-Year Net-margin (%) Range
Min: -10.71   Max: 9.76
Current: -2.83

-10.71
9.76
ROE (%) -2.52
CIA's ROE (%) is ranked higher than
60% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.91 vs. CIA: -2.52 )
CIA' s 10-Year ROE (%) Range
Min: -9.03   Max: 10.49
Current: -2.52

-9.03
10.49
ROA (%) -0.50
CIA's ROA (%) is ranked higher than
60% of the 182 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.64 vs. CIA: -0.50 )
CIA' s 10-Year ROA (%) Range
Min: -2.67   Max: 2.21
Current: -0.5

-2.67
2.21
ROC (Joel Greenblatt) (%) -42.64
CIA's ROC (Joel Greenblatt) (%) is ranked higher than
62% of the 156 Companies
in the Global Insurance - Life industry.

( Industry Median: 332.17 vs. CIA: -42.64 )
CIA' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -189.96   Max: 332.24
Current: -42.64

-189.96
332.24
Revenue Growth (3Y)(%) 5.50
CIA's Revenue Growth (3Y)(%) is ranked higher than
73% of the 167 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: 12.10 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

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 Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
Forward P/E 28.17
CIA's Forward P/E is ranked higher than
69% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 17.01 vs. CIA: 28.17 )
N/A
P/B 1.20
CIA's P/B is ranked higher than
77% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.95 vs. CIA: 1.20 )
CIA' s 10-Year P/B Range
Min: 1.15   Max: 2.53
Current: 1.2

1.15
2.53
P/S 1.33
CIA's P/S is ranked higher than
61% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.10 vs. CIA: 1.33 )
CIA' s 10-Year P/S Range
Min: 1.27   Max: 3.15
Current: 1.33

1.27
3.15
PFCF 3.10
CIA's PFCF is ranked higher than
89% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 25.54 vs. CIA: 3.10 )
CIA' s 10-Year PFCF Range
Min: 3.08   Max: 30.84
Current: 3.1

3.08
30.84
POCF 3.09
CIA's POCF is ranked higher than
89% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.48 vs. CIA: 3.09 )
CIA' s 10-Year POCF Range
Min: 3.06   Max: 148.48
Current: 3.09

3.06
148.48
EV-to-EBIT -90.93
CIA's EV-to-EBIT is ranked higher than
62% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 14.05 vs. CIA: -90.93 )
CIA' s 10-Year EV-to-EBIT Range
Min: -125.9   Max: 110.5
Current: -90.93

-125.9
110.5
Shiller P/E 42.30
CIA's Shiller P/E is ranked higher than
53% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 28.37 vs. CIA: 42.30 )
CIA' s 10-Year Shiller P/E Range
Min: 30.83   Max: 235.23
Current: 42.3

30.83
235.23
Days Sales Outstanding 17.09
CIA's Days Sales Outstanding is ranked higher than
93% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.00 vs. CIA: 17.09 )
CIA' s 10-Year Days Sales Outstanding Range
Min: 11.09   Max: 49.1
Current: 17.09

11.09
49.1

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.30
CIA's Price/Tangible Book is ranked higher than
83% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 2.70 vs. CIA: 1.30 )
CIA' s 10-Year Price/Tangible Book Range
Min: 0.9   Max: 4.77
Current: 1.3

0.9
4.77
Price/DCF (Projected) 0.40
CIA's Price/DCF (Projected) is ranked higher than
91% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. CIA: 0.40 )
CIA' s 10-Year Price/DCF (Projected) Range
Min: 0.45   Max: 5
Current: 0.4

0.45
5
Price/Median PS Value 0.70
CIA's Price/Median PS Value is ranked higher than
96% of the 210 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.20 vs. CIA: 0.70 )
CIA' s 10-Year Price/Median PS Value Range
Min: 0.72   Max: 2.55
Current: 0.7

0.72
2.55
Earnings Yield (Greenblatt) -1.10
CIA's Earnings Yield (Greenblatt) is ranked higher than
54% of the 181 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.20 vs. CIA: -1.10 )
CIA' s 10-Year Earnings Yield (Greenblatt) Range
Min: -1.1   Max: 12.3
Current: -1.1

-1.1
12.3
Forward Rate of Return (Yacktman) 14.97
CIA's Forward Rate of Return (Yacktman) is ranked higher than
76% of the 150 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.75 vs. CIA: 14.97 )
CIA' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 2.5   Max: 47.2
Current: 14.97

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.

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK