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.
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.
CitizensCIA -0.51%67 3-Year Share Buyback Ratio is -0.30 as of Jun. 2026. GuruFocus rates CIA with a GF Score™ of 67/100 and a GF Value™ of $4.19 (Fairly Valued). Among 280 Insurance companies, Citizens ranks worse than 55.71% on this metric.
Shares Outstanding (EOP) are shares that have been authorized, issued, and purchased by investors and are held by them.
3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. A positive ratio may indicate share buybacks over the period, while a zero or negative ratio may reflect no repurchases or potential share issuance. Citizens's current 3-Year Share Buyback Ratio was -0.30%.
The historical rank and industry rank for Citizens's 3-Year Share Buyback Ratio or its related term are showing as below:
CIA'
s 3-Year Share Buyback Ratio Range Over the Past 10 Years
Min: -10.7 Med: -0.85 Max: 1.8
Current: -0.3
During the past 13 years, Citizens's highest 3-Year Share Buyback Ratio was 1.80%. The lowest was -10.70%. And the median was -0.85%.
CIA's 3-Year Share Buyback Ratio is ranked worse than 55.71% of 280
companies
in the Insurance industry
Industry Median: -0.1
vs CIA: -0.30
Citizens (NYSE:CIA) 3-Year Share Buyback Ratio Explanation
A negative number means the company might be issuing new shares. A positive number indicates that the company is buying back shares.
Be Aware
Investors usually like share buybacks. But as pointed by Warren Buffett, only if a company buys back shares at the prices below the stock's intrinsic value, it rewards remaining shareholders. If a company buys its overvalued stocks back, it destroys shareholder value.
Citizens 3-Year Share Buyback Ratio Related Terms
CIA vs SNFCA, UTGN, KCLI: 3-Year Share Buyback Ratio Comparison
For the Insurance - Life subindustry, Citizens's 3-Year Share Buyback Ratio, along with its competitors' market caps and 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Citizens's 3-Year Share Buyback Ratio distribution charts can be found below:
* The bar in red indicates where Citizens's 3-Year Share Buyback Ratio falls into.
This is the annualized percentage change in shares outstanding from three years ago to the current year. The annualized percentage change is calculated with expontential compound based on the latest four years of annual data on Shares Outstanding (EOP).
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average dividends per share growth rate.
What does a 3-Year Share Buyback Ratio of -0.30 mean?
Citizens (CIA) has a 3-Year Share Buyback Ratio of -0.30 as of Jun. 2026. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Citizens and its competitors. According to the industry distribution chart, Citizens ranks #156 out of 280 companies in the Insurance industry, placing it in the top 55.7%.
Is Citizens' 3-Year Share Buyback Ratio too high?
Citizens' current 3-Year Share Buyback Ratio is -0.30. Based on the distribution chart, Citizens ranks #156 out of 280 companies in the Insurance industry, which is below the industry midpoint. Overall, Citizens has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Citizens' 3-Year Share Buyback Ratio compare to SNFCA and UTGN?
According to the Insurance industry distribution chart, Citizens ranks #156 out of 280 companies for 3-Year Share Buyback Ratio. This places Citizens in the lower half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Share Buyback Ratio for an Insurance company?
A good 3-Year Share Buyback Ratio depends on the Insurance industry context. However, 3-Year Share Buyback Ratio 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 3-Year Share Buyback Ratio mean?
A high 3-Year Share Buyback Ratio can signal that a stock is expensive relative to its fundamentals. The 3-Year Share Buyback Ratio measures the average annual proportion of a company's outstanding shares repurchased over the past three years. It is calculated as the annualized percentage change in shares outstanding from three years ago to the current year. View historical data for Citizens and its competitors. Citizens's current 3-Year Share Buyback Ratio is -0.30. 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 Fairly Valued. The stock's GF Value™ is $4.19, compared to a current price of $3.90 — trading 6.9% below its estimated fair value. The current 3-Year Share Buyback Ratio is -0.30. Citizens' overall GF Score™ is 67/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Share Buyback Ratio calculated?
3-Year Share Buyback Ratio is calculated from a company's financial statements. For Citizens (CIA), the current 3-Year Share Buyback Ratio is -0.30 as of Jun. 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 undervalued.
The current stock price of $3.90 is trading 6.9% below its estimated GF Value™ of $4.19.
GuruFocus considers Citizens to be Fairly Valued.
Key valuation signals for CIA:
3-Year Share Buyback Ratio: -0.30
GF Value™: $4.19 vs. price of $3.90 (6.9% below fair value)
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 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.
67GF Score
Get the complete analysis for CIA
3-Year Share Buyback Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CIA has been successfully added to your 
