Citizens (Citizens) GF Value Rank : 8 (As of Apr. 26, 2024)

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What is Citizens GF Value Rank?

Citizens has the GF Value Rank of 8.

The GF Value Rank is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

Competitive Comparison of Citizens's GF Value Rank

For the Insurance - Life subindustry, Citizens's GF Value Rank, along with its competitors' market caps and GF Value Rank 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's GF Value Rank Distribution in the Insurance Industry

For the Insurance industry and Financial Services sector, Citizens's GF Value Rank distribution charts can be found below:

* The bar in red indicates where Citizens's GF Value Rank falls into.

Citizens GF Value Rank Related Terms

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Citizens (Citizens) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Citizens Inc (NYSE:CIA) » Definitions » GF Value Rank

Comparable Companies

Traded in Other Exchanges

N/A

Address

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

Website

https://www.citizensinc.com

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 32 U.S. states and more than 70 countries through its insurance subsidiaries. The company operates in two business segments namely the Life Insurance segment and the Home Service Insurance segment. The company majority generates revenues from Life Insurance segment.

Executives

James Keith Morgan	director	PO BOX 149151, AUSTIN TX 78714
Christopher W Claus	director	TRUECAR, INC., 120 BROADWAY, SUITE 200, SANTA MONICA CA 90401
Jeffery P. Conklin	officer: VP, CFO & Treasurer	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Gerald W Shields	director, officer: President & CEO	11815 ALTERRA PARKWAY, SUITE 1500, AUSTIN TX 78758
Harvey J. Waite	officer: VP, Chief Actuary	2900 ESPERANZA CROSSING, 2ND FLOOR, AUSTIN TX 78758
Mary Taylor	director	PO BOX 149151, AUSTIN TX 78714
Cynthia H Davis	director	PO BOX 149151, AUSTIN TX 78714
Davis Jerry Dodd Jr.	director	11815 ALTERRA PARKWAY, SUITE 1500, AUSTIN TX 78758
Terry Sam Maness	director	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Errol Dean Gage	director	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Frank A Keating	director	6100 N WESTERN AVENUE, OKLAHOMA CITY OK 73118
Mauldin Robert M Iii	officer: VP, Chief Marketing Officer	2900 ESPERANZA CROSSING, 2ND FL, AUSTIN TX 78758
Sheryl L Kinlaw	officer: Chief Legal Officer	11815 ALTERRA PKWY, FLOOR 15, AUSTIN TX 78758
Sloan Robert B Jr	director	11815 ALTERRA PKWY, SUITE 1500, AUSTIN TX 78758
Fred L. Quatro	director	2901 PENNY LANE, EULESS TX 76039