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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CitizensCIA -3.53%62 Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus rates CIA with a GF Score™ of 62/100 and a GF Value™ of $5.18 (Fairly Valued). Among 406 Insurance companies, Citizens ranks worse than 246305.17% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Citizens's Debt-to-Equity or its related term are showing as below:
CIA's Debt-to-Equity is not ranked *
in the Insurance industry.
Industry Median: 0.2 * Ranked among companies with meaningful Debt-to-Equity only.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Citizens Debt-to-Equity Related Terms
Citizens Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Citizens's Debt-to-Equity can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
CIA vs KCLI, SNFCA, UTGN: Debt-to-Equity Comparison
For the Insurance - Life subindustry, Citizens's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Citizens Debt-to-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Citizens's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Citizens (CIA) has a Debt-to-Equity of 0.00 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citizens and its competitors. According to the industry distribution chart, Citizens ranks #999999 out of 406 companies in the Insurance industry.
Is Citizens' Debt-to-Equity too high?
Citizens' current Debt-to-Equity is 0.00. Based on the distribution chart, Citizens ranks #999999 out of 406 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Citizens has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens' Debt-to-Equity compare to KCLI and SNFCA?
According to the Insurance industry distribution chart, Citizens ranks #999999 out of 406 companies for Debt-to-Equity. This places Citizens in the lower half of its industry. The industry median Debt-to-Equity is 0.20. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.20, based on 406 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Citizens and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current Debt-to-Equity is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens stock overvalued right now?
Based on GuruFocus' analysis, Citizens (CIA) is currently considered Fairly Valued. The stock's GF Value™ is $5.18, compared to a current price of $4.92 — trading 5% below its estimated fair value. The current Debt-to-Equity is 0.00. Citizens' overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Citizens (CIA), the current Debt-to-Equity is 0.00 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Citizens (CIA) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens stock appears to be undervalued.
The current stock price of $4.92 is trading 5% below its estimated GF Value™ of $5.18.
GuruFocus considers Citizens to be Fairly Valued.
Key valuation signals for CIA:
Debt-to-Equity: 0.00
GF Value™: $5.18 vs. price of $4.92 (5% below fair value)
No single metric tells the full story. See the CIA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
62GF Score
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