CitizensCIA -0.51%62 FCF Yield % is 5.49 as of Jun. 24, 2026, which is 74% below its 10-year median of 21.10. 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 505 Insurance companies, Citizens ranks worse than 58.02% on this metric.
FCF Yield % is calculated as Free Cash Flow divided by Market Capitalization. It is a financial solvency ratio that compares the free cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, FCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high free cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
Citizens FCF Yield % Related Terms
Citizens FCF Yield % Historical Data
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The historical data trend for Citizens's FCF Yield % 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 Yield %, along with its competitors' market caps and FCF Yield % 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 Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's FCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens's FCF Yield % 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 Yield % of 5.49 as of Jun. 24, 2026. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Citizens and its competitors. This is 74% below median its historical median of 21.10. Over the past decade, Citizens' FCF Yield % has ranged from 5.35 to 59.05. According to the industry distribution chart, Citizens ranks #293 out of 505 companies in the Insurance industry, placing it in the top 58%.
Is Citizens' FCF Yield % too high?
Citizens' current FCF Yield % of 5.49 is 74% below median its 10-year median of 21.10. Over the past 10 years, this metric has ranged from a low of 5.35 to a high of 59.05. The Insurance industry median FCF Yield % is 7.12. Citizens' value of 5.49 is 22.9% below this industry median. Based on the distribution chart, Citizens ranks #293 out of 505 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 Yield % compare to SNFCA and KCLI?
According to the Insurance industry distribution chart, Citizens ranks #293 out of 505 companies for FCF Yield %. This places Citizens in the lower half of its industry. The industry median FCF Yield % is 7.12. Citizens' value of 5.49 is 22.9% below this benchmark. Historically, Citizens' own FCF Yield % has ranged from 5.35 to 59.05 over the past decade. While the company's 10-year median is 21.10 vs. the industry median of 7.12, Citizens has consistently been below 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 FCF Yield % for an Insurance company?
The median FCF Yield % among Insurance companies is 7.12, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, FCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens's current FCF Yield % of 5.49 is 22.9% below 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 FCF Yield % mean?
A high FCF Yield % can signal that a stock is expensive relative to its fundamentals. FCF Yield is calculated as Free Cash Flow divided by Market Capitalization. View historical data on Citizens and its competitors. For the Insurance industry, the median FCF Yield % is 7.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current FCF Yield % is 5.49, which is 74% below median its own 10-year median of 21.10. 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 Yield % is 5.49, which is 74% below median its 10-year median of 21.10 and 22.9% below the Insurance industry median of 7.12. 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 Yield % calculated?
FCF Yield % is calculated from a company's financial statements. For Citizens (CIA), the current FCF Yield % is 5.49 as of Jun. 24, 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 Yield %: 5.49 (74% below median its 10-year median of 21.10)
GF Value™: $5.11 vs. price of $5.86 (14.7% above fair value)
Industry Position: 22.9% below the Insurance median (#293 of 505)
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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