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About the company
Citizens, Inc. is a diversified financial services company. The Company is providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the United States, Latin America, and Asia. The Company operates through two segments: Life Insurance, and Home Service Insurance. The Life Insurance segment sells United States dollar-denominated ordinary whole life insurance, endowment, and critical illness policies to non-United States residents, located principally in Latin America and the Pacific Rim, internationally. Also, this segment domestically sells whole life insurance, life insurance with living benefits, critical illness, credit life and disability products throughout the United States. Home Service Insurance segment sells final expense life insurance policies to middle- and lower-income households, as well as whole life products with higher allowable face values, in Louisiana, Mississippi and Arkansas.
- Revenue in USD (TTM)242.48m
- Net income in USD24.11m
- Incorporated1977
- Employees232.00
- LocationCitizens Inc11815 Alterra Pkwy, Suite 1500AUSTIN 78758United StatesUSA
- Phone+1 (512) 837-7100
- Fax+1 (512) 836-9785
- Websitehttps://www.citizensinc.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Fundamental Global Inc | 20.65m | 2.06m | 32.34m | 6.00 | 6.02 | 0.5981 | -- | 1.57 | 0.1893 | 0.1893 | 2.07 | 4.02 | 0.3585 | -- | -- | 3,442,167.00 | 6.67 | -7.41 | -- | -- | -- | -- | 18.62 | -92.66 | -- | -- | 0.00 | -- | 3,861.93 | 76.43 | 393.72 | -- | -- | -- |
| Atlantic American Corporation | 186.79m | -570.00k | 34.89m | 154.00 | -- | 0.3254 | 425.46 | 0.1868 | -0.0331 | -0.0331 | 9.01 | 5.26 | 0.4992 | -- | -- | 1,212,942.00 | -0.0457 | 0.9096 | -- | -- | -- | -- | -0.0916 | 1.80 | -- | 0.8272 | 0.2552 | 10.55 | -0.5632 | 0.1333 | -150.62 | -- | -22.22 | -- |
| UTG Inc | 25.42m | 1.96m | 94.98m | 40.00 | 47.41 | 0.5892 | 33.93 | 3.74 | 0.633 | 0.633 | 8.00 | 50.94 | 0.0572 | -- | -- | 635,509.80 | 0.4656 | 3.03 | -- | -- | -- | -- | 8.14 | 31.21 | -- | 88.50 | 0.1052 | 0.00 | -65.97 | -9.37 | -94.29 | -30.87 | -- | -- |
| Citizens Inc | 242.48m | 24.11m | 128.06m | 232.00 | 5.42 | 0.6553 | 5.07 | 0.5281 | 0.4759 | 0.4759 | 4.79 | 3.94 | 0.1468 | -- | -- | 1,045,164.00 | 1.46 | 1.28 | -- | -- | -- | -- | 9.94 | 9.13 | -- | -- | 0.00 | 0.00 | 3.51 | -0.2741 | -6.04 | -- | -9.40 | -- |
| Partnerre Ltd | 9.12bn | 2.31bn | 161.12m | 1.25k | 0.8725 | 0.2393 | 0.0691 | 0.0177 | 23.08 | 23.08 | 91.23 | 84.24 | 0.3153 | -- | -- | 7,309,965.00 | 8.06 | 2.37 | -- | -- | -- | -- | 25.57 | 8.46 | -- | 39.37 | 0.1827 | 18.10 | 59.30 | 10.29 | 343.11 | -- | -- | -- |
| Vericity Inc | 174.89m | -9.89m | 167.94m | 458.00 | -- | 1.52 | 68.16 | 0.9603 | -0.6651 | -0.6651 | 11.76 | 7.41 | 0.2196 | -- | -- | 381,855.90 | -1.24 | -2.41 | -- | -- | -- | -- | -5.66 | -11.46 | -- | -- | 0.3078 | -- | 7.09 | 7.16 | 51.65 | -- | -- | -- |
| Maiden Holdings Ltd | 84.64m | -25.80m | 220.46m | 45.00 | -- | 0.8857 | -- | 2.60 | -0.2555 | -0.2555 | 0.8372 | 2.48 | 0.0525 | -- | -- | 1,880,978.00 | -2.13 | -1.10 | -- | -- | -- | -- | -40.50 | -15.41 | -- | -1.17 | 0.5052 | 0.00 | 37.85 | -47.89 | -169.98 | -- | -- | -- |
| Kansas City Life Insurance Co | 558.92m | 54.92m | 351.51m | 436.00 | 6.40 | 0.5769 | 5.84 | 0.6289 | 5.67 | 5.67 | 57.72 | 62.93 | 0.1116 | -- | -- | -- | 1.10 | 0.3411 | -- | -- | -- | -- | 9.83 | 3.45 | -- | -- | 0.00 | 48.85 | 17.26 | 3.93 | 438.64 | 28.51 | -59.29 | -12.31 |
| Greenlight Capital Re, Ltd. | 663.39m | 107.96m | 545.06m | 64.00 | 4.38 | 0.7415 | -- | 0.8216 | 2.99 | 2.99 | 18.58 | 17.68 | 0.3768 | -- | -- | 10,365,390.00 | 6.13 | 1.77 | -- | -- | -- | -- | 16.27 | 4.73 | -- | -- | 0.104 | 0.00 | 18.66 | 30.33 | 242.63 | -- | -- | -- |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Mar 2024 | 2.10m | 4.23% |
| BlackRock Fund Advisorsas of 31 Mar 2024 | 812.81k | 1.64% |
| Dimensional Fund Advisors LPas of 31 Mar 2024 | 462.09k | 0.93% |
| Geode Capital Management LLCas of 31 Dec 2023 | 435.37k | 0.88% |
| Bridgeway Capital Management LLCas of 31 Dec 2023 | 398.67k | 0.80% |
| Susquehanna Financial Group LLLPas of 31 Mar 2024 | 384.95k | 0.78% |
| First Eagle Investment Management LLCas of 31 Mar 2024 | 330.51k | 0.67% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 239.39k | 0.48% |
| UBS Financial Services, Inc.as of 31 Dec 2023 | 221.17k | 0.45% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 167.84k | 0.34% |
