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CitizensCIA -2.67%62 EV-to-OCF is 13.13 as of Aug. 02, 2026, which is 219% above its 10-year median of 4.12. GuruFocus rates CIA with a GF Score™ of 62/100 and a GF Value™ of $5.21 (Fairly Valued). Among 503 Insurance companies, Citizens ranks worse than 73.16% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, Citizens's Enterprise Value is $222.2 Mil.
Citizens's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 was $16.9 Mil. Therefore, Citizens's EV-to-OCF for today is 13.13.
The historical rank and industry rank for Citizens's EV-to-OCF or its related term are showing as below:
CIA'
s EV-to-OCF Range Over the Past 10 Years
Min: 1.33 Med: 4.12 Max: 18.45
Current: 13.13
During the past 13 years, the highest EV-to-OCF of Citizens was 18.45. The lowest was 1.33. And the median was 4.12.
CIA's EV-to-OCF is ranked worse than 73.16% of 503
companies
in the Insurance industry
Industry Median: 6.87
vs CIA: 13.13
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Citizens's share price for today is $4.73.
Citizens's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.350.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens EV-to-OCF Related Terms
Citizens EV-to-OCF Historical Data
* Premium members only.
The historical data trend for Citizens's EV-to-OCF 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.
For the Insurance - Life subindustry, Citizens's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where Citizens's EV-to-OCF falls into.
Citizens's current Enterprise Value is $222.2 Mil.
Citizens's Cash Flow from Operations for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $16.9 Mil.
* 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 EV-to-OCF of 13.13 as of Aug. 02, 2026. This is 219% above median its historical median of 4.12. Over the past decade, Citizens' EV-to-OCF has ranged from 1.33 to 18.45. According to the industry distribution chart, Citizens ranks #368 out of 503 companies in the Insurance industry, placing it in the top 73.2%.
Is Citizens' EV-to-OCF too high?
Citizens' current EV-to-OCF of 13.13 is 219% above median its 10-year median of 4.12. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 18.45. The Insurance industry median EV-to-OCF is 6.87. Citizens' value of 13.13 is 91.1% above this industry median. Based on the distribution chart, Citizens ranks #368 out of 503 companies in the Insurance industry, which is below the industry midpoint. 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' EV-to-OCF compare to SNFCA and UTGN?
According to the Insurance industry distribution chart, Citizens ranks #368 out of 503 companies for EV-to-OCF. This places Citizens in the lower half of its industry. The industry median EV-to-OCF is 6.87. Citizens' value of 13.13 is 91.1% above this benchmark. Historically, Citizens' own EV-to-OCF has ranged from 1.33 to 18.45 over the past decade. While the company's 10-year median is 4.12 vs. the industry median of 6.87, Citizens has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for an Insurance company?
The median EV-to-OCF among Insurance companies is 6.87, based on 503 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens's current EV-to-OCF of 13.13 is 91.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median EV-to-OCF is 6.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current EV-to-OCF is 13.13, which is 219% above median its own 10-year median of 4.12. 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 $5.21, compared to a current price of $4.73 — trading 9.2% below its estimated fair value. The current EV-to-OCF is 13.13, which is 219% above median its 10-year median of 4.12 and 91.1% above the Insurance industry median of 6.87. Citizens' overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For Citizens (CIA), the current EV-to-OCF is 13.13 as of Aug. 02, 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 $4.73 is trading 9.2% below its estimated GF Value™ of $5.21.
GuruFocus considers Citizens to be Fairly Valued.
Key valuation signals for CIA:
EV-to-OCF: 13.13 (219% above median its 10-year median of 4.12)
GF Value™: $5.21 vs. price of $4.73 (9.2% below fair value)
Industry Position: 91.1% above the Insurance median (#368 of 503)
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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