CIA (Citizens) Quality Rank


CIA Citizens Inc CIA
60 GF Score
Price $5.94
GF Value $5.13
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Citizens Quality Rank?

The Quality Rank measures the business quality of a company relative to other companies. It is ranked based on the strength of the balance sheet, as well as the profitability and growth of the business. The ranked companies are split in equal numbers and then ranked from 1 to 10, with 10 being the highest.

The rank of balance sheet (30%)

The rank of balance sheet is done through the ranking of:
  • Interest coverage
  • Zscore
  • Debt to revenue
  • Equity to asset
  • Cash to debt

The rank of Profitability (70%)

The ranking of Profitability is done by ranking:
  • Operating margin mean rank (10-year mean average profit margine)
  • Operating margin growth rank
  • Fscore
  • Predictability rank
  • Revenue growth rank (5 year), when the growth is higher than 25%, set it as 25%
  • Num of year profit (number of years that is profitable within the last 10 years)
  • ROIC median (10-year median of ROIC)

Citizens Quality Rank Related Terms

CIA
60GF Score
Citizens Inc CIA
Quality Rank 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 $5.94 is trading 15.8% above its estimated GF Value™ of $5.13. GuruFocus considers Citizens to be Modestly Overvalued.

Key valuation signals for CIA:

  • Quality Rank:
  • GF Value™: $5.13 vs. price of $5.94 (15.8% above fair value)
  • GF Score™: 60/100 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.
60GF Score

Get the complete analysis for CIA

Quality Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$5.94
Price
$5.13
GF Value