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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 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.23 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: 1.06  Med: No Debt Max: No Debt
Current: No Debt
Equity-to-Asset 0.17
CIA's Equity-to-Asset is ranked higher than
77% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.08 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: 0.1  Med: 0.22 Max: 0.33
Current: 0.17
0.1
0.33
Interest Coverage No Debt
CIA's Interest Coverage is ranked higher than
99% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 50.48 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
WACC vs ROIC
9.62%
-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 : 4/10

vs
industry
vs
history
Operating Margin % 1.17
CIA's Operating Margin % is ranked lower than
90% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.98 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: 4.49 Max: 13.52
Current: 1.17
-8.59
13.52
Net Margin % -0.12
CIA's Net Margin % is ranked lower than
92% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.17 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: 3.27 Max: 9.53
Current: -0.12
-10.71
9.53
ROE % -0.11
CIA's ROE % is ranked lower than
90% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.21 vs. CIA: -0.11 )
Ranked among companies with meaningful ROE % only.
CIA' s ROE % Range Over the Past 10 Years
Min: -10.51  Med: 2.68 Max: 9.22
Current: -0.11
-10.51
9.22
ROA % -0.02
CIA's ROA % is ranked lower than
92% of the 83 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.60 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
51% of the 76 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.10 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: 5.65 Max: 187.8
Current: 5.2
-3.1
187.8
GuruFocus has detected 2 Warning Signs with Citizens Inc $CIA.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» 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

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Business Description

Industry: Insurance - Life » Insurance - Life    NAICS: 524113    SIC: 6311
Compare:NYSE:IHC, OTCPK:KCLI, NAS:TIPT, NAS:AAME, OTCPK:UTGN, NAS:GWGH, OTCPK:IHRC, OTCPK:EMGC, OTCPK:MDWT, NAS:NWLI, NYSE:FFG, NYSE:FGL, NYSE:AEL, NYSE:CNO, NYSE:PRI, OTCPK:STJPF, NYSE:TMK, OTCPK:SLFPF, OTCPK:TDHOY, OTCPK:PWCDF » details
Headquarter Location:USA
Citizens Inc 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.

Top Ranked Articles about Citizens Inc

SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action against Citizens, Inc. and Certain Officers – CIA
The Klein Law Firm Reminds Investors of a Class Action Filed on Behalf of Citizens, Inc. Shareholders and a Lead Plaintiff Deadline of May 15, 2017
CIA SHAREHOLDER ALERT: The Law Offices of Vincent Wong Reminds Investors of Citizens, Inc. of a Class Action Lawsuit and a Lead Plaintiff Deadline of May 15, 2017
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of a Class Action Against Citizens, Inc. and Its Board of Directors and a Lead Plaintiff Deadline of May 15, 2017 -- CIA
EQUITY ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and Encourages Investors with Losses to Contact the Firm
IMPORTANT INVESTOR ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Reminds Investors with Losses to Contact the Firm
CITIZENS INC. ALERT: Rosen Law Firm Reminds Investors of Important Deadline in Their First-Filed Class Action – CIA
SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses In Excess Of $100,000 From Investment In Citizens, Inc. (CIA) To Contact Brower Piven Before The Lead Plaintiff Deadline In Class Action Lawsuit
The Klein Law Firm Announces a Class Action Filed on Behalf of Citizens, Inc. Shareholders and a Lead Plaintiff Deadline of May 15, 2017
IMPORTANT INVESTOR ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. and Encourages Investors with Losses to Contact the Firm

Ratios

vs
industry
vs
history
Price-to-Owner-Earnings 5.28
CIA's Price-to-Owner-Earnings is ranked higher than
78% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.22 vs. CIA: 5.28 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CIA' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.57  Med: 5.24 Max: 16.14
Current: 5.28
2.57
16.14
PB Ratio 1.34
CIA's PB Ratio is ranked lower than
60% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.17 vs. CIA: 1.34 )
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: 1.34
1.05
2.57
PS Ratio 1.47
CIA's PS Ratio is ranked lower than
71% of the 82 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.92 vs. CIA: 1.47 )
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: 2.85
Current: 1.47
1.18
2.85
Price-to-Free-Cash-Flow 3.82
CIA's Price-to-Free-Cash-Flow is ranked higher than
57% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.82 vs. CIA: 3.82 )
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: 2.91  Med: 6.08 Max: 11.57
Current: 3.82
2.91
11.57
Price-to-Operating-Cash-Flow 3.77
CIA's Price-to-Operating-Cash-Flow is ranked higher than
59% of the 59 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.79 vs. CIA: 3.77 )
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: 5.87 Max: 10.14
Current: 3.77
2.9
10.14
EV-to-EBIT 114.13
CIA's EV-to-EBIT is ranked lower than
100% of the 116 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.53 vs. CIA: 114.13 )
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 Max: 180.5
Current: 114.13
-277.2
180.5
EV-to-EBITDA -59.85
CIA's EV-to-EBITDA is ranked lower than
100% of the 117 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.01 vs. CIA: -59.85 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -188.5  Med: 12.85 Max: 3177.6
Current: -59.85
-188.5
3177.6
Shiller PE Ratio 100.04
CIA's Shiller PE Ratio is ranked lower than
95% of the 40 Companies
in the Global Insurance - Life industry.

( Industry Median: 9999.00 vs. CIA: 100.04 )
Ranked among companies with meaningful Shiller PE Ratio only.
CIA' s Shiller PE Ratio Range Over the Past 10 Years
Min: 46  Med: 71.15 Max: 153.86
Current: 100.04
46
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
78% of the 63 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: -10.7  Med: -2.75 Max: 1.8
Current: 1.4
-10.7
1.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.57
CIA's Price-to-Tangible-Book is ranked lower than
58% of the 80 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.38 vs. CIA: 1.57 )
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: 2.55 Max: 9.59
Current: 1.57
0.89
9.59
Price-to-Intrinsic-Value-Projected-FCF 0.36
CIA's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
61% of the 46 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.49 vs. CIA: 0.36 )
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: 0.75 Max: 2.09
Current: 0.36
0.35
2.09
Price-to-Median-PS-Value 0.83
CIA's Price-to-Median-PS-Value is ranked higher than
71% of the 69 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.02 vs. CIA: 0.83 )
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: 1.15 Max: 2.91
Current: 0.83
0.44
2.91
Earnings Yield (Greenblatt) % 0.88
CIA's Earnings Yield (Greenblatt) % is ranked lower than
93% of the 125 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.14 vs. CIA: 0.88 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
CIA' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.6  Med: 5 Max: 12.5
Current: 0.88
0.6
12.5
Forward Rate of Return (Yacktman) % 6.28
CIA's Forward Rate of Return (Yacktman) % is ranked higher than
68% of the 56 Companies
in the Global Insurance - Life industry.

( Industry Median: 23.84 vs. CIA: 6.28 )
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: 12.4 Max: 45.2
Current: 6.28
0.3
45.2

More Statistics

Revenue (TTM) (Mil) $239.7
Beta1.22
Short Percentage of Float9.90%
52-Week Range $6.10 - 11.93
Shares Outstanding (Mil)50.08
» More Articles for CIA

Headlines

Articles On GuruFocus.com
SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action against Citizens, In Apr 28 2017 
The Klein Law Firm Reminds Investors of a Class Action Filed on Behalf of Citizens, Inc. Shareholder Apr 27 2017 
INVESTOR ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc. a Apr 26 2017 
Scott+Scott, Attorneys at Law, LLP Reminds Investors of Upcoming Deadline to File Lead Plaintiff Pap Apr 26 2017 
CIA SHAREHOLDER ALERT: The Law Offices of Vincent Wong Reminds Investors of Citizens, Inc. of a Clas Apr 25 2017 
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of a Class Action Against Citizens, Inc. Apr 24 2017 
EQUITY ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and Enc Apr 21 2017 
IMPORTANT INVESTOR ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citize Apr 20 2017 
CITIZENS INC. ALERT: Rosen Law Firm Reminds Investors of Important Deadline in Their First-Filed Cla Apr 20 2017 
SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses In Excess Of $100,000 From Inve Apr 14 2017 

More From Other Websites
SHAREHOLDER ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens,... Apr 28 2017
SHAREHOLDER ALERT: Pomerantz Law Firm Announces the Filing of a Class Action against Citizens, Inc.... Apr 28 2017
SHAREHOLDER ALERT - Bronstein, Gewirtz & Grossman, LLC Reminds Investors of Class Action Against... Apr 28 2017
IMPORTANT SHAREHOLDER ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against... Apr 27 2017
INVESTOR ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens, Inc.... Apr 26 2017
Scott+Scott, Attorneys at Law, LLP Reminds Investors of Upcoming Deadline to File Lead Plaintiff... Apr 26 2017
IMPORTANT INVESTOR ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens,... Apr 25 2017
CIA SHAREHOLDER ALERT: The Law Offices of Vincent Wong Reminds Investors of Citizens, Inc. of a... Apr 25 2017
IMPORTANT SHAREHOLDER ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against... Apr 24 2017
SHAREHOLDER ALERT: Levi & Korsinsky, LLP Reminds Investors of a Class Action Against Citizens, Inc.... Apr 24 2017
EQUITY ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc. and... Apr 21 2017
INVESTOR ALERT: Levi & Korsinsky, LLP Reminds Investors of Commencement of a Class Action Against... Apr 21 2017
IMPORTANT INVESTOR ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against... Apr 20 2017
CITIZENS INC. ALERT: Rosen Law Firm Reminds Investors of Important Deadline in Their First-Filed... Apr 20 2017
CIA INVESTOR ALERT: The Law Offices of Vincent Wong Reminds Investors of Citizens, Inc. of a Class... Apr 19 2017
SHAREHOLDER ALERT: Lundin Law PC Announces Securities Class Action Lawsuit against Citizens, Inc.... Apr 19 2017
The Law Offices of Howard G. Smith Announces the Filing of a Securities Class Action on Behalf of... Apr 19 2017
SHAREHOLDER ALERT: Khang & Khang LLP Announces Securities Class Action Lawsuit against Citizens,... Apr 14 2017
SHAREHOLDER ALERT: Brower Piven Encourages Investors Who Have Losses In Excess Of $100,000 From... Apr 14 2017

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