CitizensFRA:YCX 60 EV-to-FCF is 17.45 as of Jul. 07, 2026, which is 320% above its 10-year median of 4.15. GuruFocus rates FRA:YCX with a GF Score™ of 60/100 and a GF Value™ of €4.52. The stock has 2 warning signs investors should review. Among 393 Insurance companies, Citizens ranks worse than 72.77% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Citizens's Enterprise Value is €242.6 Mil.
Citizens's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was €13.9 Mil. Therefore, Citizens's EV-to-FCF for today is 17.45.
The historical rank and industry rank for Citizens's EV-to-FCF or its related term are showing as below:
FRA:YCX'
s EV-to-FCF Range Over the Past 10 Years
Min: 1.33 Med: 4.15 Max: 19.21
Current: 17
During the past 13 years, the highest EV-to-FCF of Citizens was 19.21. The lowest was 1.33. And the median was 4.15.
FRA:YCX's EV-to-FCF is ranked worse than 72.77% of 393
companies
in the Insurance industry
Industry Median: 9.8
vs FRA:YCX: 17.00
EV-to-FCF 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-FCF 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 €5.10.
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 €0.302.
* 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. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Citizens EV-to-FCF Related Terms
Citizens EV-to-FCF Historical Data
* Premium members only.
The historical data trend for Citizens's EV-to-FCF 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.
FRA:YCX vs KCLI, SNFCA, UTGN: EV-to-FCF Comparison
For the Insurance - Life subindustry, Citizens's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Citizens's EV-to-FCF falls into.
Citizens's current Enterprise Value is €242.6 Mil.
Citizens's Free Cash Flow 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 €13.9 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 (FRA:YCX) has a EV-to-FCF of 17.45 as of Jul. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens and its competitors. This is 320% above median its historical median of 4.15. Over the past decade, Citizens' EV-to-FCF has ranged from 1.33 to 19.21. According to the industry distribution chart, Citizens ranks #286 out of 393 companies in the Insurance industry, placing it in the top 72.8%.
Is Citizens' EV-to-FCF too high?
Citizens' current EV-to-FCF of 17.45 is 320% above median its 10-year median of 4.15. Over the past 10 years, this metric has ranged from a low of 1.33 to a high of 19.21. The Insurance industry median EV-to-FCF is 9.80. Citizens' value of 17.45 is 78.1% above this industry median. Based on the distribution chart, Citizens ranks #286 out of 393 companies in the Insurance industry, which is below the industry midpoint. Overall, Citizens has a GF Score™ of 60/100, reflecting its overall financial health beyond just this single metric.
How does Citizens' EV-to-FCF compare to KCLI and SNFCA?
According to the Insurance industry distribution chart, Citizens ranks #286 out of 393 companies for EV-to-FCF. This places Citizens in the lower half of its industry. The industry median EV-to-FCF is 9.80. Citizens' value of 17.45 is 78.1% above this benchmark. Historically, Citizens' own EV-to-FCF has ranged from 1.33 to 19.21 over the past decade. While the company's 10-year median is 4.15 vs. the industry median of 9.80, 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-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.80, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens's current EV-to-FCF of 17.45 is 78.1% 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-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Citizens and its competitors. For the Insurance industry, the median EV-to-FCF is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current EV-to-FCF is 17.45, which is 320% above median its own 10-year median of 4.15. 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?
Citizens (FRA:YCX) has a current EV-to-FCF of 17.45. The stock's GF Value™ is €4.52, compared to a current price of €5.10 — trading 12.8% above its estimated fair value. The current EV-to-FCF is 17.45, which is 320% above median its 10-year median of 4.15 and 78.1% above the Insurance industry median of 9.80. Citizens' overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Citizens (FRA:YCX), the current EV-to-FCF is 17.45 as of Jul. 07, 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 (FRA:YCX) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens stock appears to be overvalued.
The current stock price of €5.10 is trading 12.8% above its estimated GF Value™ of €4.52.
Key valuation signals for FRA:YCX:
EV-to-FCF: 17.45 (320% above median its 10-year median of 4.15)
GF Value™: €4.52 vs. price of €5.10 (12.8% above fair value)
Industry Position: 78.1% above the Insurance median (#286 of 393)
No single metric tells the full story. See the FRA:YCX 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.
60GF Score
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