CIA (Citizens) ROCE %: % (As of Mar. 2026)


CIA Citizens Inc CIA
62 GF Score
Price $5.86
GF Value $5.11
Valuation Modestly Overvalued
! 3 Warning Signs
View Full Analysis

What is Citizens ROCE %?

Citizens CIA -0.51% 62 ROCE % is % as of Mar. 2026. 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.

ROCE % does not apply to banks and insurance companies.

CIA
62GF Score
Citizens Inc CIA
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about ROCE % →
What does a ROCE % of % mean?
Citizens (CIA) has a ROCE % of % as of Mar. 2026.
Is Citizens' ROCE % too high?
Citizens' current ROCE % is %. 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' ROCE % compare to SNFCA and KCLI?
Citizens' ROCE % of % can be compared against companies in the Insurance industry. The industry median ROCE % is 8.53. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for an Insurance company?
The median ROCE % among Insurance companies is 8.53, based on 63 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median ROCE % is 8.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current ROCE % 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?
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 ROCE % is %. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Citizens (CIA), the current ROCE % 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 (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:

  • ROCE %: %
  • GF Value™: $5.11 vs. price of $5.86 (14.7% above fair value)
  • GF Score™: 62/100 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.
62GF Score

Get the complete analysis for CIA

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

$5.86
Price
$5.11
GF Value