CITIZENS INC CLASS A (CIA)
Financials · Life insurance · NYSE
A niche life insurance provider specializing in whole life and endowment products for international and domestic markets, generating steady income from premiums and investment returns.
What CITIZENS INC CLASS A does
Citizens, Inc. is a life insurance company that specializes in providing whole life insurance, endowment products, and final expense insurance to niche markets globally. The company operates through two segments—International Insurance and Domestic Insurance—collecting premiums on an ongoing basis and investing the majority to pay future benefits including claims, surrenders, and policyholder dividends. Revenues are derived principally from life insurance premiums and net investment income from its invested asset portfolio.
Themes: ["Whole life insurance"]
Fundamentals
- Price$5.59 as of 2026-07-09 close
- Market cap$284M as of 2026-07-10
- 1-year return+61.1% as of 2026-07-09 close
- P/E15.37 as of 2026-07-10
- Net margin+7.1% as of 2026-07-10
- ROE+8.0% as of 2026-07-10
- Debt / equity0.00 as of 2026-07-10
- Revenue growth (YoY)+6.9% as of 2026-07-10
- Revenue CAGR (3y)+3.2% SEC XBRL
- Beta0.46 as of 2026-07-10
Key risks (from latest filing)
["Persistency rates, policy maturities, and surrenders impact insurance inforce and revenue growth, particularly in the Domestic Insurance segment which is affected by inflation pressures on lower-income customers."]
Competitors & peers
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.