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Citizens, Inc.

CIA NYSE Life Insurance Financials FY2016–FY2025

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.

Download report 3-page PDF: the company, its results and charts with peers.

Last close Β· Oct 23, 2026

$3.60

0.8%

What Citizens, Inc. does

CIA Β· Life Insurance

From its latest annual report

No business description yet.

Filing details

Legal name
CITIZENS, INC.
Fiscal year ends
December 31, 2025
Latest annual report
10-K Β· Mar 12, 2026
Accession Β· CIK
0000024090-26-000011 Β· 0000024090

KIRA’s summary AI analyst

Hi! I read Citizens, Inc.’s latest annual report (fiscal 2025). Here is what stands out:

3 strengths

1.Sales and profit

See section β†’
  • 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.

Citizens, Inc. in 30 seconds

Good So-so Weak

So-so

Are sales growing?

+4.3%

Only a little. Sales grew 4.3% last year.

So-so

Does it make a profit?

5.7%

A little. It keeps 5.7% of every sale as profit.

So-so

Does profit turn into cash?

6.9%

Partly. 6.9% of sales ends up as free cash.

Rules of thumb on reported numbers. A starting point, not a recommendation.

Key numbers, fiscal 2025

Market cap Last close times the latest diluted share count, so it is approximate.
β€”
Oct 23 close
P/E Last close divided by diluted earnings per share over the last four quarters.
β€”

Revenue

Total sales reported in the income statement.

KIRA Β· 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.

See the full section β†’

Operating margin

Operating income as a share of revenue.

See the full section β†’

Net income

Profit after all expenses, interest and tax.

KIRA Β· Citizens, Inc. made $14.6M of net profit in fiscal 2025.

See the full section β†’

Free cash flow

Cash from operations minus capital spending.

KIRA Β· Free cash flow was $17.5M in fiscal 2025, 6.9% of revenue.

See the full section β†’

Return on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

See the full section β†’
Charts by

Sales and profit

Is it selling more, and how much does it keep?

Results dates

In plain words: Every quarter, companies publish how much they sold and earned. These are the days Citizens, Inc. did it, and the next one. Share prices often move a lot on those days.

Next results

November 5, 2026

Thursday Β· in 10 days

Time
Time not announced
Covers
Period ended Sep 30, 2026
Expected EPS
$0.03
Source
Earnings calendar
See who else reports that week β†’
Date Results for Time Source
Aug 6, 2026 Q2 '26 After the market closes 8-K β†—
May 7, 2026 Q1 '26 After the market closes 8-K β†—
Mar 12, 2026 Q4 '25 After the market closes 8-K β†—
Nov 6, 2025 Q3 '25 Time not announced 8-K β†—
Aug 7, 2025 Q2 '25 After the market closes 8-K β†—
May 8, 2025 Q1 '25 After the market closes 8-K β†—
Mar 13, 2025 Q4 '24 After the market closes 8-K β†—
Nov 7, 2024 Q3 '24 After the market closes 8-K β†—

From SEC filings: the results press release (8-K) or, without one, the quarterly or annual report.

Revenue and margins

KIRA Β· 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.

In plain words: Revenue is all the money customers paid. The margins show how many cents of each dollar of sales are left over at each step: after making the product (gross), after running the business (operating) and after everything, tax included (net).

Revenue

Revenue

Margins, % of revenue

Gross Operating Net FCF

Margins, % of revenue

Gross Operating Net FCF

Net income and earnings per share

KIRA Β· Citizens, Inc. made $14.6M of net profit in fiscal 2025.

Loss periods are shown in red.

In plain words: Net income is the profit left after every cost and tax. Earnings per share (EPS) splits that profit across every share, so it shows what one share earned.

Net income

Net income

Diluted EPS

Cash and shareholders

How much cash comes in, and where does it go?

Cash flow

KIRA Β· Free cash flow was $17.5M in fiscal 2025, 6.9% of revenue.

Cash from operations minus capital spending.

In plain words: Profit on paper is not the same as cash in the bank. Free cash flow is the cash left after paying to run and maintain the business: the money it can hand back to shareholders, save or invest.

Free cash flow

Free cash flow

Cash from operations vs capital spending

Cash from operations Capital spending

Cash from operations vs capital spending

Cash from operations Capital spending

Dividends, buybacks and share count

In plain words: Companies hand cash back in two ways: dividends (cash paid to shareholders) and buybacks (buying back their own shares, so each remaining share owns a bigger slice).

Dividends and buybacks

Dividends Buybacks

Diluted shares outstanding (annual)

Insider trades

KIRA Β· No open-market insider trades in the last 12 months.

Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. β€œPlan” marks trades under a pre-arranged Rule 10b5-1 plan.

In plain words: Insiders are the people who run or own a big part of the company. Buying with their own money can signal confidence; selling often has personal reasons, like taxes or diversifying.

Bought, 12 months

$0.0M

0 insiders

Sold, 12 months

$0.0M

0 insiders

Of sales under plans

β€”

$0.0M

No open-market insider trades in the last 12 months.

Financial health

Can it carry its debts, and how well does it use its money?

Balance sheet

Cash, debt and the ratios that show how comfortably Citizens, Inc. can carry it.

In plain words: What the company owns and what it owes. More cash than debt is a cushion for bad times; a lot of debt leaves less room when business slows down.

Cash vs debt (incl. leases)

Cash Debt
Fiscal year endFY21FY22FY23FY24FY25
Cash and short-term investments $27.3M$24.2M$27.0M$29.3M$23.0M
Total assets $1.9B$1.6B$1.7B$1.7B$1.8B
Total liabilities $1.5B$1.5B$1.5B$1.5B$1.5B
Shareholders' equity $100.0M$128M$172M$210M$235M
Net debt (βˆ’ = net cash) β€”β€”β€”β€”β€”

Returns on capital

After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.

In plain words: How much profit the business makes on the money put into it. A higher percentage means each dollar invested works harder.

Return on capital, equity and assets (annual)

Return on capital Return on equity Return on assets

Piotroski F-score

Nine pass/fail tests of profitability, funding and efficiency. 8–9 is strong, 0–2 weak.

In plain words: Nine yes/no tests of financial health, one point each. A green tick is a pass: 7 to 9 points is solid, 0 to 3 is weak.

TestFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Net income is positive βœ“ βœ• βœ• βœ• βœ• βœ“ βœ“ βœ“ βœ“ βœ“
Cash from operations is positive βœ“ βœ“ βœ“ βœ“ βœ“ βœ“ βœ“ βœ“ βœ“ βœ“
Return on assets rose β€” βœ• βœ“ βœ“ βœ• βœ“ βœ• βœ• βœ• βœ•
Cash from operations exceeds net income βœ“ βœ“ βœ“ βœ“ βœ“ βœ• βœ“ βœ• βœ“ βœ“
Debt fell relative to assets β€” β€” β€” β€” β€” β€” β€” β€” β€” β€”
Current ratio rose β€” β€” β€” β€” β€” β€” β€” β€” β€” β€”
Share count didn't rise β€” βœ“ βœ• βœ• βœ• βœ“ βœ• βœ“ β€” β€”
Gross margin rose β€” β€” β€” β€” β€” β€” β€” β€” β€” β€”
Revenue rose relative to assets β€” βœ• βœ• βœ• βœ• βœ“ βœ“ βœ• βœ“ βœ“
F-score β€” / 3β€” / 6β€” / 6β€” / 6β€” / 6β€” / 6β€” / 6β€” / 6β€” / 5β€” / 5
Accruals ratio βˆ’6.3%βˆ’8.1%βˆ’5.9%βˆ’4.4%βˆ’3.3%1.7%βˆ’1.8%0.1%βˆ’1.0%βˆ’0.2%
Altman Z'' β€”β€”β€”β€”β€”β€”β€”β€”β€”β€”

All figures

Every number, year by year.

10 years of figures

Amounts in USD. Hover a ratio’s name for its definition.

In plain words: Every number we have, year by year. Download it as a spreadsheet if you want to dig deeper.

Download CSV
Fiscal yearFY16FY17FY18FY19FY20FY21FY22FY23FY24FY25
Income statement
Revenue $245M $253M $244M $251M $239M $251M $233M $241M $245M $256M
Pretax income $5.5M βˆ’$3.0M $2.0M $5.7M βˆ’$12.3M $30.5M $27.4M $26.2M $15.0M $17.5M
Income tax $3.5M $35.1M $13.1M $7.1M βˆ’$1.3M βˆ’$42.2M $1.4M $1.7M $0.1M $2.9M
Net income $2.0M βˆ’$38.1M βˆ’$11.1M βˆ’$1.4M βˆ’$11.0M $72.7M $26.0M $24.4M $14.9M $14.6M
Diluted shares 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B 0.05B β€” β€”
Cash flow
Cash from operations $102M $93.0M $84.6M $72.2M $48.8M $40.5M $56.9M $22.1M $31.9M $18.0M
Capital expenditure $2.2M $1.3M $0.7M $0.5M $0.2M $1.0M $0.1M $0.4M $0.7M $0.4M
Free cash flow $100M $91.7M $83.9M $71.7M $48.6M $39.4M $56.8M $21.6M $31.3M $17.5M
Depreciation and amortization $0.8M $1.1M $1.5M $1.7M $1.4M $1.1M $0.5M $0.5M $0.6M $0.7M
Stock-based compensation $0.0M $0.0M $0.4M $2.2M $2.4M $0.7M $0.6M $0.9M β€” β€”
Acquisitions $0.0M β€” β€” β€” β€” β€” β€” β€” β€” β€”
Balance sheet
Cash and short-term investments $35.5M $46.1M $45.5M $46.2M $34.1M $27.3M $24.2M $27.0M $29.3M $23.0M
Property and equipment, net $7.9M $6.6M $5.9M $5.9M $16.3M $14.1M $12.9M $11.8M $10.6M $9.8M
Goodwill $17.3M $12.6M $12.6M $12.6M β€” β€” β€” β€” β€” β€”
Total assets $1.6B $1.6B $1.6B $1.7B $1.8B $1.9B $1.6B $1.7B $1.7B $1.8B
Total liabilities $1.3B $1.4B $1.4B $1.5B $1.5B $1.5B $1.5B $1.5B $1.5B $1.5B
Shareholders' equity $249M $224M $188M $260M $301M $100.0M $128M $172M $210M $235M
Margins
Net margin 0.8% βˆ’15.1% βˆ’4.5% βˆ’0.5% βˆ’4.6% 29.0% 11.2% 10.2% 6.1% 5.7%
FCF margin 40.8% 36.3% 34.4% 28.6% 20.4% 15.7% 24.4% 9.0% 12.8% 6.9%
Returns
Return on equity 0.8% βˆ’16.1% βˆ’5.4% βˆ’0.6% βˆ’3.9% 36.3% 22.8% 16.3% 7.8% 6.6%
Return on assets 0.1% βˆ’2.4% βˆ’0.7% βˆ’0.1% βˆ’0.6% 3.9% 1.5% 1.5% 0.9% 0.8%
Return on tangible equity 0.8% βˆ’18.1% βˆ’6.3% βˆ’0.6% βˆ’3.7% 72.7% 20.4% 14.2% 7.1% 6.2%
Growth
Revenue growth β€” 2.9% βˆ’3.4% 2.7% βˆ’4.7% 4.9% βˆ’7.2% 3.5% 1.8% 4.3%
Net income growth β€” βˆ’2,036.4% β€” β€” β€” β€” βˆ’64.2% βˆ’6.0% βˆ’39.0% βˆ’2.2%
FCF growth β€” βˆ’8.4% βˆ’8.5% βˆ’14.5% βˆ’32.2% βˆ’18.9% 44.0% βˆ’62.0% 44.6% βˆ’43.9%
Share count change β€” 0.0% 0.1% 0.4% 1.2% βˆ’0.6% 0.4% βˆ’0.4% β€” β€”
Capital allocation
Capex / revenue 0.9% 0.5% 0.3% 0.2% 0.1% 0.4% 0.0% 0.2% 0.3% 0.2%
Stock comp / revenue 0.0% 0.0% 0.2% 0.9% 1.0% 0.3% 0.3% 0.4% β€” β€”
Quality scores
Accruals ratio βˆ’6.3% βˆ’8.1% βˆ’5.9% βˆ’4.4% βˆ’3.3% 1.7% βˆ’1.8% 0.1% βˆ’1.0% βˆ’0.2%

Source: SEC EDGAR XBRL filings (CIK 0000024090). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only β€” not investment advice. Check the original filings before relying on any figure.

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