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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
98% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.83 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: 10000.00 Max: No Debt
Current: No Debt
Equity to Asset 0.17
CIA's Equity to Asset is ranked higher than
78% of the 88 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: 0.17  Med: 0.23 Max: 0.33
Current: 0.17
0.17
0.33
Interest Coverage No Debt
CIA's Interest Coverage is ranked higher than
98% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 30.15 vs. CIA: No Debt )
Ranked among companies with meaningful Interest Coverage only.
CIA' s Interest Coverage Range Over the Past 10 Years
Min: 9999.99  Med: 10000.00 Max: 9999.99
Current: No Debt
F-Score: 4
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 (%) -4.16
CIA's Operating margin (%) is ranked lower than
95% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. CIA: -4.16 )
Ranked among companies with meaningful Operating margin (%) only.
CIA' s Operating margin (%) Range Over the Past 10 Years
Min: -8.59  Med: 7.07 Max: 13.85
Current: -4.16
-8.59
13.85
Net-margin (%) -5.29
CIA's Net-margin (%) is ranked lower than
97% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 6.46 vs. CIA: -5.29 )
Ranked among companies with meaningful Net-margin (%) only.
CIA' s Net-margin (%) Range Over the Past 10 Years
Min: -10.71  Med: 4.76 Max: 9.76
Current: -5.29
-10.71
9.76
ROE (%) -4.88
CIA's ROE (%) is ranked lower than
96% of the 89 Companies
in the Global Insurance - Life industry.

( Industry Median: 9.73 vs. CIA: -4.88 )
Ranked among companies with meaningful ROE (%) only.
CIA' s ROE (%) Range Over the Past 10 Years
Min: -10.51  Med: 3.74 Max: 9.22
Current: -4.88
-10.51
9.22
ROA (%) -0.88
CIA's ROA (%) is ranked lower than
95% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. CIA: -0.88 )
Ranked among companies with meaningful ROA (%) only.
CIA' s ROA (%) Range Over the Past 10 Years
Min: -1.94  Med: 0.96 Max: 2.21
Current: -0.88
-1.94
2.21
Revenue Growth (3Y)(%) 5.70
CIA's Revenue Growth (3Y)(%) is ranked lower than
66% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 8.70 vs. CIA: 5.70 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CIA' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -6.6  Med: 4.45 Max: 27
Current: 5.7
-6.6
27
EBITDA Growth (3Y)(%) -13.60
CIA's EBITDA Growth (3Y)(%) is ranked lower than
90% of the 70 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.20 vs. CIA: -13.60 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CIA' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -38.3  Med: -4.15 Max: 65.1
Current: -13.6
-38.3
65.1
» 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

Q2 2015

CIA Guru Trades in Q2 2015

Jim Simons 11,400 sh (New)
» More
Q3 2015

CIA Guru Trades in Q3 2015

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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Ratios

vs
industry
vs
history
Forward P/E 28.17
CIA's Forward P/E is ranked lower than
94% of the 50 Companies
in the Global Insurance - Life industry.

( Industry Median: 11.06 vs. CIA: 28.17 )
Ranked among companies with meaningful Forward P/E only.
N/A
P/B 1.25
CIA's P/B is ranked lower than
53% of the 87 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.19 vs. CIA: 1.25 )
Ranked among companies with meaningful P/B only.
CIA' s P/B Range Over the Past 10 Years
Min: 1.05  Med: 1.62 Max: 2.57
Current: 1.25
1.05
2.57
P/S 1.32
CIA's P/S is ranked lower than
72% of the 88 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.87 vs. CIA: 1.32 )
Ranked among companies with meaningful P/S only.
CIA' s P/S Range Over the Past 10 Years
Min: 1.17  Med: 1.82 Max: 2.9
Current: 1.32
1.17
2.9
PFCF 3.38
CIA's PFCF is ranked higher than
63% of the 49 Companies
in the Global Insurance - Life industry.

( Industry Median: 5.51 vs. CIA: 3.38 )
Ranked among companies with meaningful PFCF only.
CIA' s PFCF Range Over the Past 10 Years
Min: 2.89  Med: 7.44 Max: 25.43
Current: 3.38
2.89
25.43
POCF 3.34
CIA's POCF is ranked higher than
62% of the 66 Companies
in the Global Insurance - Life industry.

( Industry Median: 4.23 vs. CIA: 3.34 )
Ranked among companies with meaningful POCF only.
CIA' s POCF Range Over the Past 10 Years
Min: 2.89  Med: 6.21 Max: 19
Current: 3.34
2.89
19
EV-to-EBITDA 57.93
CIA's EV-to-EBITDA is ranked lower than
100% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 7.80 vs. CIA: 57.93 )
Ranked among companies with meaningful EV-to-EBITDA only.
CIA' s EV-to-EBITDA Range Over the Past 10 Years
Min: -68.4  Med: 13.50 Max: 93.8
Current: 57.93
-68.4
93.8
Shiller P/E 68.46
CIA's Shiller P/E is ranked lower than
98% of the 40 Companies
in the Global Insurance - Life industry.

( Industry Median: 15.40 vs. CIA: 68.46 )
Ranked among companies with meaningful Shiller P/E only.
CIA' s Shiller P/E Range Over the Past 10 Years
Min: 39.87  Med: 63.90 Max: 118
Current: 68.46
39.87
118

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.36
CIA's Price/Tangible Book is ranked higher than
55% of the 84 Companies
in the Global Insurance - Life industry.

( Industry Median: 1.54 vs. CIA: 1.36 )
Ranked among companies with meaningful Price/Tangible Book only.
CIA' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.89  Med: 2.33 Max: 4.78
Current: 1.36
0.89
4.78
Price/Projected FCF 0.36
CIA's Price/Projected FCF is ranked higher than
63% of the 51 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.46 vs. CIA: 0.36 )
Ranked among companies with meaningful Price/Projected FCF only.
CIA' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.36  Med: 0.82 Max: 4.71
Current: 0.36
0.36
4.71
Price/Median PS Value 0.73
CIA's Price/Median PS Value is ranked higher than
80% of the 74 Companies
in the Global Insurance - Life industry.

( Industry Median: 0.95 vs. CIA: 0.73 )
Ranked among companies with meaningful Price/Median PS Value only.
CIA' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.46  Med: 1.12 Max: 2.8
Current: 0.73
0.46
2.8
Earnings Yield (Greenblatt) (%) -3.67
CIA's Earnings Yield (Greenblatt) (%) is ranked lower than
86% of the 86 Companies
in the Global Insurance - Life industry.

( Industry Median: 10.20 vs. CIA: -3.67 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CIA' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: -3.67  Med: 5.00 Max: 12.3
Current: -3.67
-3.67
12.3
Forward Rate of Return (Yacktman) (%) 6.43
CIA's Forward Rate of Return (Yacktman) (%) is ranked lower than
78% of the 60 Companies
in the Global Insurance - Life industry.

( Industry Median: 21.24 vs. CIA: 6.43 )
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: -1.4  Med: 13.40 Max: 101.1
Current: 6.43
-1.4
101.1

More Statistics

Revenue(Mil) $238
EPS $ -0.25
Beta1.14
Short Percentage of Float10.21%
52-Week Range $5.28 - 10.28
Shares Outstanding(Mil)50.08

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, 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.
» 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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