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Incorporated in Colorado and based in Austin, Texas, Citizens, Inc. ("Citizens" or the "Company") is an insurance holding company. Since 1969 it has addressed the life insurance needs of people in the United States, and since 1975, it has extended life insurance offerings to clients worldwide.
Net margin is thin at 5.71%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue growth slowed to 4.3%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$260M
▲ +4.3% YoY
Net Income (TTM)
$18M
▼ -2.2% YoY
Net Margin
7.12%
P/E
—
Balance Sheet
Total Assets
$1.74B
Equity
$239M
Total Debt
$0.00
Cash & Equiv.
$19M
5Y CAGR: +1.4%
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