Skip to content
ESPT
MARKETS / NYSE / Financials / Insurance / CIA
NYSE · LIFE INSURANCE · MID CAP

Citizens, Inc. CIA

17 fiscal years on record · USD · FY2025 reported · SEC filings only
$255.6M
▲ 4.3% YoY
$14.6M
▼ 2.2% YoY
$17.5M
▼ 43.9% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

Citizens, Inc. collects premiums on an ongoing basis from its policyholders and invests the majority of the premiums to pay future benefits, including claims, maturities, surrenders and policyholder dividends. It had approximately $1.8 billion of assets and over $5.4 billion of direct insurance in force at December 31, 2025. It operates in two business segments. The International Insurance segment sells U.S. dollar-denominated life insurance, endowment and other financial products to non-U.S. residents located principally in Latin America and the Pacific Rim. The Domestic Insurance segment sells life insurance and other financial products in the United States. Citizens, Inc. was incorporated in Colorado and is based in Austin, Texas.

Written from the business description in CITIZENS, INC.'s annual report to the U.S. Securities and Exchange Commission, filed 12 March 2026. Every sentence was checked against that document before publication.

Growth

USD 255.6M
Revenue, FY2025 · full 17-year series below
Revenue $M Net income $M
FY2025 · Revenue 255.6 · Net income 14.6
100M200M-15M-30M
2009201220152018202120242025
Compound annual growth
+3.2%
+1.4%
+0.8%
+2.0%
−17.5%
−0.1%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +1.4% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

6 cents
of every revenue dollar became profit
Operating margin Net margin
FY2025 · Operating 6.8% · Net 5.7%
10%20%-5%-10%-15%
200920172025
ROE
FY2025 · ROE 6.6%
10%20%30%-5%-10%-15%
200920172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.
Gross margin·
Operating margin6.8%
Net margin5.7%
EBITDAUSD 18.2M

Each USD of equity produced 7 cents of profit this year.

Cash & shareholders

·
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 17.5
50M100M
200920172025
Dividends paid·
Net buybacks·
Share of profit·
Consecutive raises·

Total assetsUSD 1.8B
EquityUSD 235.0M
CashUSD 23.0M

Equity funds 13% of total assets.

The 17-year record

17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
CIA, 17-year financial record
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B0.30.20.20.20.30.20.30.20.30.20.20.20.20.20.20.20.2
Operating income $B0.00.00.00.00.0−0.00.0◌◌◌◌◌◌◌◌◌◌
EBITDA $B0.00.00.00.00.0−0.00.0◌◌◌◌◌◌◌◌◌◌
Income tax $B0.00.00.00.0−0.0−0.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.00.00.00.00.1−0.0−0.0−0.0−0.00.0−0.0−0.00.00.00.00.00.0
Free cash flow $B0.00.00.00.10.00.00.10.10.10.10.10.10.10.10.10.10.1
EPS, diluted $◌0.29◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Dividend / sh $◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend—————————————————
ROE %6.67.816.322.836.3−3.9−0.6−5.4−16.10.8−1.2−2.31.91.83.66.98.3

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

UNH · BRK-A · BRK-B · CI · ELV · CNC
Provenance

Company facts, as filed

How we verify · 0 failures in 33 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. 17 checks were skipped: EPS is not tagged before 2024. Three checks were skipped: the balance sheet is not tagged before 2010.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityLife Insurance
Listed onNYSE
Incorporated inColorado
Fiscal year endsDecember 31
Data on record since2009

Share this section

Download image