CitizensCIA -0.51%62 OCF Yield % is 5.71 as of Jun. 25, 2026, which is 73% below its 10-year median of 21.46. 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 60.2% on this metric.
OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
Similar to Earnings Yield %, OCF 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 operating 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 OCF Yield % Related Terms
Citizens OCF Yield % Historical Data
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The historical data trend for Citizens's OCF 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 OCF Yield %, along with its competitors' market caps and OCF 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 OCF Yield % vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's OCF Yield % distribution charts can be found below:
* The bar in red indicates where Citizens's OCF 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 OCF Yield % of 5.71 as of Jun. 25, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens and its competitors. This is 73% below median its historical median of 21.46. Over the past decade, Citizens' OCF Yield % has ranged from 5.60 to 59.20. According to the industry distribution chart, Citizens ranks #304 out of 505 companies in the Insurance industry, placing it in the top 60.2%.
Is Citizens' OCF Yield % too high?
Citizens' current OCF Yield % of 5.71 is 73% below median its 10-year median of 21.46. Over the past 10 years, this metric has ranged from a low of 5.60 to a high of 59.20. The Insurance industry median OCF Yield % is 8.10. Citizens' value of 5.71 is 29.5% below this industry median. Based on the distribution chart, Citizens ranks #304 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' OCF Yield % compare to SNFCA and KCLI?
According to the Insurance industry distribution chart, Citizens ranks #304 out of 505 companies for OCF Yield %. This places Citizens in the lower half of its industry. The industry median OCF Yield % is 8.10. Citizens' value of 5.71 is 29.5% below this benchmark. Historically, Citizens' own OCF Yield % has ranged from 5.60 to 59.20 over the past decade. While the company's 10-year median is 21.46 vs. the industry median of 8.10, 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 OCF Yield % for an Insurance company?
The median OCF Yield % among Insurance companies is 8.10, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Citizens's current OCF Yield % of 5.71 is 29.5% 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on Citizens and its competitors. For the Insurance industry, the median OCF Yield % is 8.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current OCF Yield % is 5.71, which is 73% below median its own 10-year median of 21.46. 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 OCF Yield % is 5.71, which is 73% below median its 10-year median of 21.46 and 29.5% below the Insurance industry median of 8.10. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For Citizens (CIA), the current OCF Yield % is 5.71 as of Jun. 25, 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:
OCF Yield %: 5.71 (73% below median its 10-year median of 21.46)
GF Value™: $5.11 vs. price of $5.86 (14.7% above fair value)
Industry Position: 29.5% below the Insurance median (#304 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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