CitizensCIA -0.51%62 FCF Margin % is -1.09% as of Mar. 2026. GuruFocus rates CIA with a GF Score™ of 62/100 and a GF Value™ of $5.11 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 502 Insurance companies, Citizens ranks worse than 60.36% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Citizens's Free Cash Flow for the
three
months ended in Mar. 2026 was $-0.6 Mil. Citizens's Revenue for the
three
months ended in Mar. 2026 was $59.7 Mil. Therefore, Citizens's FCF Margin % for the quarter that ended in Mar. 2026 was -1.09%.
The historical rank and industry rank for Citizens's FCF Margin % or its related term are showing as below:
CIA'
s FCF Margin % Range Over the Past 10 Years
Min: 6.26 Med: 22.4 Max: 40.77
Current: 6.26
During the past 13 years, the highest FCF Margin % of Citizens was 40.77%. The lowest was 6.26%. And the median was 22.40%.
CIA's FCF Margin % is ranked worse than 60.36% of 502
companies
in the Insurance industry
Industry Median: 9.63
vs CIA: 6.26
Citizens FCF Margin % Related Terms
Citizens FCF Margin % Historical Data
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The historical data trend for Citizens's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Citizens's FCF Margin % 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 FCF Margin % of -1.09% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens and its competitors. Over the past decade, Citizens' FCF Margin % has ranged from 6.26 to 40.77. According to the industry distribution chart, Citizens ranks #303 out of 502 companies in the Insurance industry, placing it in the top 60.4%.
Is Citizens' FCF Margin % too high?
Citizens' current FCF Margin % is -1.09%. Over the past 10 years, this metric has ranged from a low of 6.26 to a high of 40.77. Based on the distribution chart, Citizens ranks #303 out of 502 companies in the Insurance industry, which is below the industry midpoint. Overall, Citizens has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens' FCF Margin % compare to SNFCA and KCLI?
According to the Insurance industry distribution chart, Citizens ranks #303 out of 502 companies for FCF Margin %. This places Citizens in the lower half of its industry. The industry median FCF Margin % is 9.63. Historically, Citizens' own FCF Margin % has ranged from 6.26 to 40.77 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.63, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Citizens and its competitors. For the Insurance industry, the median FCF Margin % is 9.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current FCF Margin % is -1.09%. 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 Modestly Overvalued. The stock's GF Value™ is $5.11, compared to a current price of $5.86 — trading 14.7% above its estimated fair value. The current FCF Margin % is -1.09%. Citizens' overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Citizens (CIA), the current FCF Margin % is -1.09% 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 overvalued.
The current stock price of $5.86 is trading 14.7% above its estimated GF Value™ of $5.11.
GuruFocus considers Citizens to be Modestly Overvalued.
Key valuation signals for CIA:
FCF Margin %: -1.09%
GF Value™: $5.11 vs. price of $5.86 (14.7% above 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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