CIA (Citizens) Risk Assessment


CIA Citizens Inc CIA
61 GF Score
Price $5.55
GF Value $5.14
Valuation Fairly Valued
! 2 Warning Signs
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What is Citizens Risk Assessment?

Risk Assessment represents the investment risk of a stock derived from our exclusive method. It suggests how risky the investment opportunity is based on the valuation and the fundamental performance of the stock. It is derived from following key aspects:

1. GuruFocus internally developed valuations of the stock, such as GF valuation.
2. Quality Rank, a business quality indicator developed by GuruFocus.
3. Fundamental performance: Piotroski F-Score, Altman Z-Score, Beneish M-Score, etc.
4. Growth opportunities: 5-year revenue growth rate, 5-Year EPS without NRI Growth Rate, etc.

Value investors are always willing to find undervalued stocks. However, not all the undervalued stocks are good deals, we should also be careful of how risky the investment opportunity is. We believe that if the company's financial strength and profitability are strong, and the stock price is within a reasonable range of the GF valuation, or stock has a high return with its price being undervalued, then it might be a good investment opportunity with low risk.

Based on those aspects listed above, GuruFocus believes the risk assessment of Citizens is: High Risk: High uncertainty with risk-return tradeoff.

Citizens  (NYSE:CIA) Risk Assessment Explanation

Based on the four aspects listed above, GuruFocus provides the following 7 evaluations:

All-in-One Screener Examples (1)
Low Risk: Strong fundamentals, worth long-term holding
Moderate Risk: Sensitive, better choose undervalued stock
High Risk: High uncertainty with risk-return tradeoff
High Risk: Good fundamentals, beware of shrinking business
High Risk: Sensitive to economic or industry trends
High Risk: High uncertainty
No Data: Cannot be evaluated

(1) These are some simple examples. You can access our Risk Assessment filter under All-in-One Screener’s Fundamental tab and set your own criteria.

Citizens Risk Assessment Related Terms

CIA vs KCLI, SNFCA, UTGN: Risk Assessment Comparison

For the Insurance - Life subindustry, Citizens's Risk Assessment, along with its competitors' market caps and Risk Assessment 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 Risk Assessment vs Insurance Industry

For the Insurance industry and Financial Services sector, Citizens's Risk Assessment distribution charts can be found below:

* The bar in red indicates where Citizens's Risk Assessment falls into.


CIA
61GF Score
Citizens Inc CIA
Risk Assessment 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 $5.55 is trading 8% above its estimated GF Value™ of $5.14. GuruFocus considers Citizens to be Fairly Valued.

Key valuation signals for CIA:

  • Risk Assessment:
  • GF Value™: $5.14 vs. price of $5.55 (8% above fair value)
  • GF Score™: 61/100 with 2 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.
61GF Score

Get the complete analysis for CIA

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

$5.55
Price
$5.14
GF Value