CIA (Citizens) Shareholder Yield % : 0.00% (As of Mar. 2026)


CIA Citizens Inc CIA
62 GF Score
Price $6.38
GF Value $5.11
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Citizens Shareholder Yield %?

Citizens CIA +7.23% 62 Shareholder Yield % is 0.00% 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. Among 496 Insurance companies, Citizens ranks worse than 201612.7% on this metric.

Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. It is a measure of shareholder return. As of today, Citizens's Shareholder Yield % was 0.00%.


Citizens  (NYSE:CIA) Shareholder Yield % Explanation

Shareholder Yield % is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. The term was coined by William W. Priest of Epoch Investment Partners in a paper in 2005 entitled The Case for Shareholder Yield as a Dominant Driver of Future Equity Returns. William Priest indicated that "shareholder yield is a term that we came up with to reflect the various ways dividends can be paid to owners of a business in a publicly-traded company."

Shareholder Yield % is calculated by three components: Dividend Yield %, Buyback Yield %, and Net Debt Paydown Yield %.

Dividend Yield % shows how much a company pays out in dividends each year relative to its stock price, which is most obvious form of shareholder return.

Buyback Yield % is the net repurchase of shares outstanding over the market capital of the company. Shares repurchases also increase shareholder value by returning the money back to shareholders.

Net Debt Paydown Yield % is the change in average of four quarters of company's total debt over a company's market cap. Assuming the total value of a company remains that same, shareholder value is increased as debt is reduced.


Citizens Shareholder Yield % Related Terms


Citizens Shareholder Yield % Historical Data

* Premium members only.

The historical data trend for Citizens's Shareholder Yield % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Citizens Shareholder Yield % Chart

Citizens Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Shareholder Yield %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2.57 0.43 0.73 0.20 0.11

Citizens Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Shareholder Yield % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.11 0.00

CIA vs SNFCA, KCLI, UTGN: Shareholder Yield % Comparison

For the Insurance - Life subindustry, Citizens's Shareholder Yield %, along with its competitors' market caps and Shareholder Yield % 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 Shareholder Yield % vs Insurance Industry

For the Insurance industry and Financial Services sector, Citizens's Shareholder Yield % distribution charts can be found below:

* The bar in red indicates where Citizens's Shareholder Yield % falls into.


CIA
62GF Score
Citizens Inc CIA
Shareholder Yield % is just one metric. See GF Score™, valuation, warning signs, and more.
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Citizens Shareholder Yield % Calculation

Citizens's Shareholder Yield % for the quarter that ended in Mar. 2026 is calculated as:

Shareholder Yield %=Dividend Yield %+Buyback Yield %+Net Debt Paydown Yield %
=0.00 %+0.00 %+0 %
=0 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* All the data are calculated by TTM values. Note that if a companies is traded in several exchanges, then we calculate the company level data for Shareholder Yield % using the primary share class stock data. The calculation result in definition page is for demonstration purpose only, and it's showing the share class level data. Therefore, the numbers in the calculation may differ from elsewhere if the stock is not a primary share.

Frequently Asked Questions Learn more about Shareholder Yield % →
What does a Shareholder Yield % of 0.00% mean?
Citizens (CIA) has a Shareholder Yield % of 0.00% as of Mar. 2026. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Citizens and its competitors. According to the industry distribution chart, Citizens ranks #999999 out of 496 companies in the Insurance industry.
Is Citizens' Shareholder Yield % too high?
Citizens' current Shareholder Yield % is 0.00%. Based on the distribution chart, Citizens ranks #999999 out of 496 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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' Shareholder Yield % compare to SNFCA and KCLI?
According to the Insurance industry distribution chart, Citizens ranks #999999 out of 496 companies for Shareholder Yield %. This places Citizens in the lower half of its industry. The industry median Shareholder Yield % is 2.70. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Shareholder Yield % for an Insurance company?
The median Shareholder Yield % among Insurance companies is 2.70, based on 496 companies in the industry. Companies in the top quartile (top 25%) have a Shareholder Yield % significantly above this median, while those in the bottom quartile fall well below. However, Shareholder Yield % 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 Shareholder Yield % mean?
A high Shareholder Yield % can signal that a stock is expensive relative to its fundamentals. Shareholder Yield is how much money shareholders receive from a company that is in the form of cash dividends, net stock repurchases, and debt reduction. View historical data on Citizens and its competitors. For the Insurance industry, the median Shareholder Yield % is 2.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens's current Shareholder Yield % is 0.00%. 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 $6.38 — trading 24.9% above its estimated fair value. The current Shareholder Yield % is 0.00%. 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 Shareholder Yield % calculated?
Shareholder Yield % is calculated from a company's financial statements. For Citizens (CIA), the current Shareholder Yield % is 0.00% 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 $6.38 is trading 24.9% above its estimated GF Value™ of $5.11. GuruFocus considers Citizens to be Modestly Overvalued.

Key valuation signals for CIA:

  • Shareholder Yield %: 0.00%
  • GF Value™: $5.11 vs. price of $6.38 (24.9% 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

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

$6.38
Price
$5.11
GF Value