Business Description
Citizens Inc
NAICS : 524113
SIC : 6311
ISIN : US1747401008
Share Class Description:
FRA:YCX: Class ATotal Employee Number:
246Compare
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Traded in other countries / regions
CIA.USAYCX.Germany IPO Date
2020-01-29Description
Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries. The company operates in two business segments namely the Domestic Insurance and International Insurance segments.. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.
Financial Strength
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | No Debt | |||||
Equity-to-Asset | 0.14 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | No Debt | |||||
Piotroski F-Score | 7/9 | |||||
WACC vs ROIC | ||||||
Growth Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 2.8 | |||||
3-Year EPS without NRI Growth Rate | -18.1 | |||||
3-Year FCF Growth Rate | -32.7 | |||||
3-Year Book Growth Rate | 22.1 |
Momentum Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 54.73 | |||||
9-Day RSI | 54.48 | |||||
14-Day RSI | 54.46 | |||||
3-1 Month Momentum % | 7.98 | |||||
6-1 Month Momentum % | 16.75 | |||||
12-1 Month Momentum % | 57.53 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -0.3 |
Profitability Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 7.12 | |||||
FCF Margin % | 6.23 | |||||
OCF Margin % | 6.49 | |||||
ROE % | 8.06 | |||||
ROA % | 1.07 | |||||
Years of Profitability over Past 10-Year | 6 | |||||
Moat Score | 3 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 16.97 | |||||
Forward PE Ratio | 19.62 | |||||
PE Ratio without NRI | 16.97 | |||||
Shiller PE Ratio | 67.47 | |||||
Price-to-Owner-Earnings | 9.1 | |||||
PS Ratio | 1.18 | |||||
PB Ratio | 1.25 | |||||
Price-to-Tangible-Book | 1.25 | |||||
Price-to-Free-Cash-Flow | 18.86 | |||||
Price-to-Operating-Cash-Flow | 18.05 | |||||
EV-to-Revenue | 1.09 | |||||
EV-to-Forward-Revenue | 1.09 | |||||
EV-to-FCF | 17.44 | |||||
Price-to-GF-Value | 1.16 | |||||
Price-to-Projected-FCF | 0.59 | |||||
Price-to-Median-PS-Value | 0.99 | |||||
Price-to-Graham-Number | 0.97 | |||||
FCF Yield % | 5.41 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
Citizens Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil €) | 223.148 | ||
| EPS (TTM) (€) | 0.302 | ||
| Beta | -0.199 | ||
| 3-Year Sharpe Ratio | 0.81 | ||
| 3-Year Sortino Ratio | 1.64 | ||
| Volatility % | 47.12 | ||
| 14-Day RSI | 54.46 | ||
| 14-Day ATR (€) | 0.348433 | ||
| 20-Day SMA (€) | 4.724 | ||
| 12-1 Month Momentum % | 57.53 | ||
| 52-Week Range (€) | 2.74 - 5.5 | ||
| Shares Outstanding (Mil) | 50.55 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 7 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Citizens Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Citizens Inc Stock Events
| Event | Date | Price (€) | ||
|---|---|---|---|---|
| Third quarter earnings results for 2026 | 2026-11-06 | In 122 days | ||
| Second quarter earnings results for 2026 | 2026-08-07 | In 31 days | ||
| General meeting for 2026 | 2026-06-16 10:00 | 4.48 (+0.00%) | ||
| Emerging Growth Virtual Conference | 2026-06-10 11:25 | 4.02 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-05-07 | 4.50 (+0.00%) | ||
| Emerging Growth Virtual Conference | 2026-04-02 15:25 | 4.00 (+0.00%) | ||
| Annual report for 2025 | 2026-03-12 | 4.42 (+0.00%) | ||
| Fourth quarter earnings results for 2025 | 2026-03-12 | 4.42 (+0.00%) | ||
| Noble Capital Markets\' Emerging Growth Virtual Conference | 2026-02-04 14:00 | 4.82 (+0.00%) | ||
| Emerging Growth Virtual Conference | 2025-12-11 15:10 | 3.94 (+0.00%) |
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Entries
Citizens Inc Frequently Asked Questions
What is Citizens Inc(FRA:YCX)'s stock price today?
The current price of FRA:YCX is €5.10. The 52 week high of FRA:YCX is €5.50 and 52 week low is €2.74.
When is next earnings date of Citizens Inc(FRA:YCX)?
The next earnings date of Citizens Inc(FRA:YCX) is 2026-08-07 Est..
Does Citizens Inc(FRA:YCX) pay dividends? If so, how much?
Citizens Inc(FRA:YCX) does not pay dividend.
Press Release
Articles on Citizens Inc
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