Citizens, Inc. ($1.00 Par) (CIA): Price and Financial Metrics

CIA POWR Grades

• CIA scores best on the Growth dimension, with a Growth rank ahead of 97.36% of US stocks.
• CIA's strongest trending metric is Stability; it's been moving up over the last 77 days.
• CIA's current lowest rank is in the Sentiment metric (where it is better than 12.82% of US stocks).

CIA Stock Summary

• CIA's went public 33.17 years ago, making it older than 88.95% of listed US stocks we're tracking.
• With a price/earnings ratio of 1,210.3, Citizens Inc P/E ratio is greater than that of about 99.44% of stocks in our set with positive earnings.
• The ratio of debt to operating expenses for Citizens Inc is higher than it is for about just 0.39% of US stocks.
• If you're looking for stocks that are quantitatively similar to Citizens Inc, a group of peers worth examining would be CWCO, CNDT, BRID, FMX, and IEP.
• CIA's SEC filings can be seen here. And to visit Citizens Inc's official web site, go to www.citizensinc.com.

CIA Valuation Summary

• In comparison to the median Financial Services stock, CIA's EV/EBIT ratio is 475.58% lower, now standing at -32.3.
• CIA's price/sales ratio has moved down 2.5 over the prior 243 months.
• CIA's price/sales ratio has moved down 2.5 over the prior 243 months.

Below are key valuation metrics over time for CIA.

CIA Growth Metrics

The 3 year cash and equivalents growth rate now stands at -24.83%.
• Its 2 year net income to common stockholders growth rate is now at 97.13%.
• Its 4 year price growth rate is now at -32.83%.

CIA's revenue has moved up $10,660,000 over the prior 67 months.

The table below shows CIA's growth in key financial areas (numbers in millions of US dollars).

Date	Revenue	Operating Cash Flow	Net Income to Common Stock
2021-09-30	245.593	38.588	0.188
2021-06-30	243.834	29.26	-4.928
2021-03-31	238.617	36.55	-10.977
2020-12-31	238.856	48.834	-10.988
2020-09-30	243.694	55.326	-7.575
2020-06-30	245.336	69.369	2.386

CIA's Quality Factors

The “Quality” component of the POWR Ratings focuses on 31 different factors of a companies fundamentals and operational strength. Here are some key insights as we drill into the specifics of these quality attributes.

• CIA has a Quality Grade of C, ranking ahead of 35.94% of graded US stocks.
• CIA's asset turnover comes in at 0.134 -- ranking 103rd of 133 Insurance stocks.
• DGICA, JRVR, and ESNT are the stocks whose asset turnover ratios are most correlated with CIA.

The table below shows CIA's key quality metrics over time.