Citizens (FRA:YCX) ROC (Joel Greenblatt) %: % (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:YCX Citizens Inc FRA:YCX
62 GF Score
Price €4.16
GF Value €4.39
View Full Analysis

What is Citizens ROC (Joel Greenblatt) %?

Citizens FRA:YCX -3.26% 62 ROC (Joel Greenblatt) % is % as of Mar. 2026. GuruFocus rates FRA:YCX with a GF Score™ of 62/100 and a GF Value™ of €4.39. Among 65 Insurance companies, Citizens ranks worse than 1538460% on this metric.

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

FRA:YCX
62GF Score
Citizens Inc FRA:YCX
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
What does a ROC (Joel Greenblatt) % of % mean?
Citizens (FRA:YCX) has a ROC (Joel Greenblatt) % of % as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens and its competitors. According to the industry distribution chart, Citizens ranks #999999 out of 65 companies in the Insurance industry.
Is Citizens' ROC (Joel Greenblatt) % too high?
Citizens' current ROC (Joel Greenblatt) % is %. Based on the distribution chart, Citizens ranks #999999 out of 65 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Citizens has a GF Score™ of 62/100, reflecting its overall financial health beyond just this single metric.
How does Citizens' ROC (Joel Greenblatt) % compare to KCLI and SNFCA?
According to the Insurance industry distribution chart, Citizens ranks #999999 out of 65 companies for ROC (Joel Greenblatt) %. This places Citizens in the lower half of its industry. The industry median ROC (Joel Greenblatt) % is 74.51. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC (Joel Greenblatt) % for an Insurance company?
The median ROC (Joel Greenblatt) % among Insurance companies is 74.51, based on 65 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Citizens and its competitors. For the Insurance industry, the median ROC (Joel Greenblatt) % is 74.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current ROC (Joel Greenblatt) % is %. 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?
Citizens (FRA:YCX) has a current ROC (Joel Greenblatt) % of %. The stock's GF Value™ is €4.39, compared to a current price of €4.16 — trading 5.2% below its estimated fair value. The current ROC (Joel Greenblatt) % is %. Citizens' overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Citizens (FRA:YCX), the current ROC (Joel Greenblatt) % is % as of Mar. 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 (FRA:YCX) Overvalued in 2026?

Based on GuruFocus' analysis, Citizens stock appears to be undervalued. The current stock price of €4.16 is trading 5.2% below its estimated GF Value™ of €4.39.

Key valuation signals for FRA:YCX:

  • ROC (Joel Greenblatt) %: %
  • GF Value™: €4.39 vs. price of €4.16 (5.2% below fair value)
  • GF Score™: 62/100

No single metric tells the full story. See the FRA:YCX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Citizens Business Description

Other Exchanges CIA:USA
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 FRA:YCX

ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€4.16
Price
€4.39
GF Value