Interest Expense is the amount reported by a company or individual as an expense for borrowed money. Citizens's interest expense for the
three
months ended in Mar. 2026 was $ 0.0 Mil.
Its interest expense for the trailing twelve months (TTM) ended in Mar. 2026 was $0.0 Mil.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income(EBIT) by its Interest Expense. Citizens's Operating Income for the
three
months ended in Mar. 2026 was $ 0.0 Mil. Citizens's Interest Expense for the
three
months ended in Mar. 2026 was $ 0.0 Mil.
Citizens has no long-term debt (1).
The higher the ratio, the stronger the company's financial strength is. Note: If both Interest Expense and Interest Income are empty, while Net Interest Income is negative, then use Net Interest Income as Interest Expense.
(1) Note: An indication of "no long-term debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Citizens (NYSE:CIA) Interest Expense Explanation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense. The higher, the better.
Citizens's Interest Expense for the
three
months ended in Mar. 2026 was $0.0 Mil. Its
EBIT
for the
three
months ended in Mar. 2026 was $0.0 Mil. And its Long-Term Debt & Capital Lease Obligation for the
three
months ended in Mar. 2026 was $0.0 Mil.
Citizens's Interest Coverage for the quarter that ended in Mar. 2026 is calculated as
Citizens had no long-term debt (1).
* 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.
The higher the ratio, the stronger the company's financial strength is.
Good Sign:
Citizens Inc has no debt.
Citizens Interest Expense Historical Data
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The historical data trend for Citizens's Interest Expense 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.
Interest Expense is the amount reported by a company or individual as an expense for borrowed money.
Interest Expense 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 $0.0 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 Interest Expense of $0.0 Mil as of Mar. 2026. Interest Expense is the amount a company pays on its long-term debt. View historical data on Citizens and its competitors.
Is Citizens' Interest Expense too high?
Citizens' current Interest Expense is $0.0 Mil. 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' Interest Expense compare to KCLI and SNFCA?
Citizens' Interest Expense of $0.0 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Interest Expense for an Insurance company?
A good Interest Expense depends on the Insurance industry context. However, Interest Expense 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 Interest Expense mean?
A high Interest Expense can signal that a stock is expensive relative to its fundamentals. Interest Expense is the amount a company pays on its long-term debt. View historical data on Citizens and its competitors. Citizens's current Interest Expense is $0.0 Mil. 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 $6.18 — trading 20.9% above its estimated fair value. The current Interest Expense is $0.0 Mil. 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 Interest Expense calculated?
Interest Expense is calculated from a company's financial statements. For Citizens (CIA), the current Interest Expense is $0.0 Mil 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 $6.18 is trading 20.9% above its estimated GF Value™ of $5.11.
GuruFocus considers Citizens to be Modestly Overvalued.
Key valuation signals for CIA:
Interest Expense: $0.0 Mil
GF Value™: $5.11 vs. price of $6.18 (20.9% 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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Interest Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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