CIA (Citizens) Margin of Safety % (DCF FCF Based): N/A (As of Jun. 24, 2026)


CIA Citizens Inc CIA
62 GF Score
Price $5.86
GF Value $5.11
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Citizens Margin of Safety % (DCF FCF Based)?

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

Citizens's Predictability Rank is 1-Star. Thus, the DCF related results in the screener and portfolio will appear as zero and Margin of Safety % (DCF FCF Based) is not calculated.

CIA vs SNFCA, KCLI, UTGN: Margin of Safety % (DCF FCF Based) Comparison

For the Insurance - Life subindustry, Citizens's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Insurance Industry

For the Insurance industry and Financial Services sector, Citizens's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Citizens's Margin of Safety % (DCF FCF Based) falls into.


CIA
62GF Score
Citizens Inc CIA
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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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:

  • Margin of Safety % (DCF FCF Based): N/A
  • GF Value™: $5.11 vs. price of $5.86 (14.7% above fair value)
  • GF Score™: 62/100 with 3 warning signs

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 Business Description

Address 11815 Alterra Parkway, Suite 1500, Austin, TX, USA, 78758
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

Get the complete analysis for CIA

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.86
Price
$5.11
GF Value