Citizens Inc - Class A
Research Citizens Inc - Class A (CIA) on Bullrun: valuation model: 7.2% overvalued, market cap USD 196.99M, P/E 17.3. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCIA
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryInsurance-Life
- CurrencyUSD
- Valuation signal7.2% overvalued
- Market capUSD 196.99M
- P/E17.3
- Financial periodQ2 2026
- RevenueUSD 60.41M
- Net income-USD 425.00K
- Free cash flowUSD 2.01M
Valuation Snapshot
Bullrun's latest valuation model marks Citizens Inc - Class A as 7.2% overvalued; latest market cap is USD 196.99M; P/E is 17.3.
Peer valuation comparison
Latest P/E is 17.29x versus a Financial Services sector median of 13.84x (25.0% above).
Latest P/E is 17.29x versus a United States median of 24.87x (30.5% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 255.62M | USD 14.59M | USD 17.54M | n/a | 0.28 | USD 22.98M | n/a | USD 234.99M |
| FY2024 | USD 245.00M | USD 14.91M | USD 31.26M | n/a | 0.29 | USD 29.27M | n/a | USD 210.36M |
| FY2023 | USD 240.68M | USD 24.44M | USD 21.61M | n/a | 0.75 | USD 27.00M | n/a | USD 172.13M |
| FY2022 | USD 232.52M | USD 26.01M | USD 56.82M | n/a | n/a | USD 22.97M | n/a | USD 127.79M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 196.99M | 17.3 | n/a | n/a |
| 2025 | 2025-12-31 | USD 242.94M | 17.3 | n/a | n/a |
| 2024 | 2024-12-31 | USD 200.13M | 13.4 | n/a | n/a |
| 2023 | 2023-12-29 | USD 133.30M | 4.9 | n/a | n/a |
| 2022 | 2022-12-30 | USD 106.51M | 2.1 | n/a | n/a |
| 2021 | 2021-12-31 | USD 265.68M | 7.3 | n/a | n/a |
About Citizens Inc - Class A
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants.
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Frequently asked questions
Is Citizens Inc - Class A overvalued or undervalued?
Bullrun's valuation model currently marks Citizens Inc - Class A as 7.2% overvalued.
What is Citizens Inc - Class A's market cap?
Citizens Inc - Class A's market capitalization is USD 196.99M.
What is Citizens Inc - Class A's P/E ratio?
Citizens Inc - Class A's price-to-earnings (P/E) ratio is 17.3.
What does Citizens Inc - Class A do?
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants.