CIA:NYE-Citizens, Inc (USD)

COMMON STOCK | Insurance—Life | NYE

Last Closing Price

USD 5.91

Change

+0.05 (+0.85)%

Market Cap

USD 0.30B

Volume

0.04M

Average Target Price

USD 3.50 (-40.78%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to foreign residents in approximately 20 countries through 1,000 independent marketing consultants, as well as through independent marketing firms and consultants throughout the United States. It also provides health insurance policies. The Home Service Insurance segment offers pre-need and final expense ordinary life insurance, and annuities to middle and lower income individuals primarily in Louisiana, Mississippi, and Arkansas. It provides its products and services through funeral homes and independent agents, as well as through a home service marketing distribution system. The company was founded in 1969 and is headquartered in Austin, Texas.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-10-26 )

Largest Industry Peers for Insurance—Life

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
LFC China Life Insurance Company L..

-0.18 (-1.45%)

USD170.72B 9.02 N/A
MET-PE MetLife, Inc

N/A

USD49.20B 4.12 N/A
MET-PA MetLife, Inc

-0.10 (-0.39%)

USD49.18B 3.65 N/A
MET MetLife, Inc

-1.56 (-3.81%)

USD37.16B 5.30 N/A
PUK Prudential plc

-0.57 (-2.03%)

USD36.81B 27.93 N/A
MFC Manulife Financial Corporation

-0.45 (-3.08%)

USD28.32B 9.81 N/A
PRU Prudential Financial, Inc

-2.31 (-3.36%)

USD27.15B 8.85 N/A
AFL Aflac Incorporated

-1.08 (-2.85%)

USD26.98B 9.46 N/A
GL Globe Life Inc

-2.31 (-2.68%)

USD9.18B 13.07 N/A
LNC Lincoln National Corporation

-1.26 (-3.40%)

USD7.16B 33.68 N/A

ETFs Containing CIA

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Insurance—Life)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -12.44% 71% C- 40% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -12.44% 65% D 37% F
Trailing 12 Months  
Capital Gain -13.09% 53% F 36% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -13.09% 41% F 32% F
Trailing 5 Years  
Capital Gain -33.14% 27% F 23% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -33.14% 7% F 17% F
Average Annual (5 Year Horizon)  
Capital Gain -4.77% N/A N/A 21% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -4.77% N/A N/A 17% F
Risk Return Profile  
Volatility (Standard Deviation) 16.70% N/A N/A 48% F
Risk Adjusted Return -28.55% N/A N/A 19% F
Market Capitalization 0.30B 6% F 37% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Insurance—Life)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 120.20 12% F 5% F
Price/Book Ratio 1.04 38% F 61% D-
Price / Cash Flow Ratio 4.11 35% F 61% D-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 0.91% 18% F 37% F
Return on Invested Capital -0.61% 6% F 19% F
Return on Assets 0.19% 24% F 24% F
Debt to Equity Ratio N/A N/A N/A N/A N/A
Technical Ratios  
Short Ratio 84.95 6% F 0% N/A
Short Percent 13.57% 8% F 31% F
Beta 0.41 94% A 83% B
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Positive cash flow

The company had positive total cash flow in the most recent four quarters.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.