Citizens, Inc.
CIA NYSE· Life Insurance
Last close · Oct 27, 2026
$3.72
KIRA · Stoqly’s AI analyst, in plain words
- Citizens, Inc. had $256M of revenue in fiscal 2025, up 4.3% on the year before. Over five years, revenue changed +1.4% a year on average.
- Citizens, Inc. made $14.6M of net profit in fiscal 2025.
- Free cash flow was $17.5M in fiscal 2025, 6.9% of revenue.
Market cap
—
P/E
—
Revenue
$256M
Net income
$14.6M
Free cash flow
$17.5M
Operating margin
—
Citizens, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+4.3%
Only a little. Sales grew 4.3% last year.
Does it make a profit?
5.7%
A little. It keeps 5.7% of every sale as profit.
Does profit turn into cash?
6.9%
Partly. 6.9% of sales ends up as free cash.
What Citizens, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 12, 2026
- Legal name
- CITIZENS, INC.
- CIK
- 0000024090
Citizens, Inc. · CIA
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $251M | $233M | $241M | $245M | $256M |
| Revenue growth | 4.9% | −7.2% | 3.5% | 1.8% | 4.3% |
| Net income | $72.7M | $26.0M | $24.4M | $14.9M | $14.6M |
| Net margin | 29.0% | 11.2% | 10.2% | 6.1% | 5.7% |
| Cash | |||||
| Cash from operations | $40.5M | $56.9M | $22.1M | $31.9M | $18.0M |
| Capital expenditure | $1.0M | $0.1M | $0.4M | $0.7M | $0.4M |
| Free cash flow | $39.4M | $56.8M | $21.6M | $31.3M | $17.5M |
| FCF margin | 15.7% | 24.4% | 9.0% | 12.8% | 6.9% |
| Share count change | −0.6% | 0.4% | −0.4% | — | — |
| Debt and strength | |||||
| Cash and short-term investments | $27.3M | $24.2M | $27.0M | $29.3M | $23.0M |
| Shareholders' equity | $100.0M | $128M | $172M | $210M | $235M |
| Returns and quality | |||||
| Return on equity | 36.3% | 22.8% | 16.3% | 7.8% | 6.6% |
| Return on tangible equity | 72.7% | 20.4% | 14.2% | 7.1% | 6.2% |
Insiders bought, 12 months
$0.6M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Citizens, Inc. · CIA
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $3.72 a share, the company is worth —.
Source: SEC EDGAR XBRL filings (CIK 0000024090). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.