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Financials · CIA

Citizens Inc. (CIA) financials

For the twelve months ended Sep 30, 2026, Citizens Inc. reported $257.24M of revenue and $8.76M of net income.

Revenue, TTM
$257.24M
Revenue growth, YoY
+4.1%
Net income, TTM
$8.76M
Net income growth, YoY
-19.5%
Net margin
3.4%
Free cash flow, TTM
$21.08M
Cash
$17.59M
P/E
25.18
P/S
0.86
Market cap
$220.6M
Annual revenue$255.62M
FY2016FY2025
Annual net income$14.59M
FY2016FY2025
Annual free cash flow$17.54M
FY2016FY2025

CIA revenue and earnings growth

CIA revenueQ3 2026$65.04M

Quarter YoY
+3.6%
QoQ
+7.7%
FY YoY
+4.3%
5Y CAGR
+1.4%
10Y CAGR
+0.8%

CIA revenue was $65.04M in fiscal Q3 2026 (ended Sep 30, 2026), up 3.6% from a year earlier and up 7.7% from the prior quarter. For the full fiscal 2025 it was $255.62M, up 4.3% from fiscal 2024. Compound annual growth was +1.4% over 5 years and +0.8% over 10 years. It rose in 7 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CIA net incomeQ3 2026-$422.0K

FY YoY
-2.2%

CIA net income was -$422.0K in fiscal Q3 2026 (ended Sep 30, 2026), compared with $2.42M a year earlier. For the full fiscal 2025 it was $14.59M, down 2.2% from fiscal 2024. It rose in 0 of the last 4 fiscal years.

CIA free cash flowQ3 2026$10.72M

Quarter YoY
+132.5%
QoQ
+433.1%
FY YoY
-43.9%
5Y CAGR
-18.4%
10Y CAGR
-14.8%

CIA free cash flow was $10.72M in fiscal Q3 2026 (ended Sep 30, 2026), up 132.5% from a year earlier and up 433.1% from the prior quarter. For the full fiscal 2025 it was $17.54M, down 43.9% from fiscal 2024. Compound annual growth was -18.4% over 5 years and -14.8% over 10 years. It rose in 3 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$255.62M$245.00M$240.68M$232.52M$250.55M$238.86M$250.54M$244.01M$252.63M$245.41M
Pre-tax income$17.47M$14.98M$26.17M$27.38M$30.50M-$12.32M$5.75M$2.00M-$2.99M$5.48M
Income tax$2.88M$68.0K$1.74M$1.37M-$42.20M-$1.33M$7.12M$13.06M$35.14M$3.51M
Net income$14.59M$14.91M$24.44M$26.01M$72.71M-$10.99M-$1.37M-$11.06M-$38.13M$1.97M
Diluted shares--50.7M50.9M50.6M50.9M50.3M50.1M50.1M50.1M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$22.98M$29.27M$27.00M$22.97M$27.29M$34.13M$46.20M$45.49M$46.06M$35.51M
Short-term investments---$1.24M$0-----
Goodwill------$12.62M$12.62M$12.62M$17.25M
Total assets$1.75B$1.69B$1.67B$1.59B$1.85B$1.84B$1.74B$1.62B$1.64B$1.58B
Total liabilities$1.52B$1.47B$1.50B$1.46B$1.53B$1.54B$1.49B$1.43B$1.42B$1.33B
Shareholders' equity$234.99M$210.35M$172.13M$127.79M$99.96M$300.94M$259.84M$187.73M$223.51M$249.10M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$17.99M$31.92M$22.06M$56.92M$40.45M$48.83M$72.22M$84.62M$93.01M$102.27M
Capital expenditures$447.0K$663.0K$442.0K$100.0K$1.01M$221.0K$511.0K$724.0K$1.33M$2.21M
Free cash flow$17.54M$31.25M$21.61M$56.82M$39.45M$48.61M$71.71M$83.90M$91.69M$100.06M
Investing cash flow-$19.67M-$27.17M-$14.50M-$60.74M-$41.08M-$61.81M-$69.34M-$85.13M-$85.00M-$152.08M
Financing cash flow-$4.61M-$2.47M-$3.54M-$499.0K-$6.21M$904.0K-$2.17M-$58.0K$2.55M$2.49M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY4.3%1.8%3.5%-7.2%4.9%-4.7%2.7%-3.4%2.9%3.9%
Net income growth, YoY-2.2%-39.0%-6.0%-64.2%------
Net margin5.7%6.1%10.2%11.2%29.0%-4.6%-0.5%-4.5%-15.1%0.8%
Free cash flow margin6.9%12.8%9.0%24.4%15.7%20.4%28.6%34.4%36.3%40.8%
Return on equity6.2%7.1%14.2%20.4%72.7%-3.7%-0.5%-5.9%-17.1%0.8%
Return on assets0.8%0.9%1.5%1.6%3.9%-0.6%-0.1%-0.7%-2.3%0.1%

Source: XBRL data Citizens Inc. files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CIA peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CIA$257.24M+4.1%$8.76M3.4%$220.6M
MFCC$8.13B+7.1%C$5.57B68.5%$73.04B
MET$82.56B+14.8%$5.13B6.2%$64.61B
PRU$61.33B+6.5%$3.88B6.3%$41.86B
SLFC$41.90B+8.0%C$3.55B8.5%$40.95B
PUK$11.49B+7.0%$3.98B34.6%$32.51B
RGA$27.32B+22.5%$1.71B6.3%$17.42B
CRBG$20.81B+13.6%$2.20B10.6%$15.74B
AEG--€977.00M-$15.45B

CIA FAQ

7 questions
  • What is CIA revenue?
    Citizens Inc. (CIA) reported $257.24M of revenue for the twelve months ended Sep 30, 2026. That is up 4.1% from the year before. Revenue for fiscal 2025 was $255.62M.
  • Is CIA profitable?
    Yes. Citizens Inc. earned $8.76M in net income for the twelve months ended Sep 30, 2026, a net margin of 3.4%.
  • How much cash and debt does CIA have?
    Citizens Inc. reported $17.59M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CIA revenue growing?
    Citizens Inc.'s revenue changed +4.3% in fiscal 2025, to $255.62M. Its compound annual growth rate was +1.4% over 5 years and +0.8% over 10 years.
  • What is CIA free cash flow?
    Citizens Inc. generated $21.08M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $22.08M less capital expenditures.
  • When did CIA last report financial results?
    The latest statements here come from Citizens Inc.'s 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this CIA financial data come from?
    Quantisnow builds these statements from the structured XBRL data Citizens Inc. files with the SEC. It is provided for information only and is not investment advice.