CIA:NYE-Citizens, Inc (USD)

COMMON STOCK | Insurance-Life | NYE

Last Closing Price

USD 5.83

Change

+0.10 (+1.75)%

Market Cap

USD 0.29B

Volume

0.03M

Average Target Price

N/A
Average Analyst Rating

N/A

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 non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers pre-need and final expense ordinary life insurance, and annuities to middle and lower income individuals and families primarily in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. 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: 2021-04-15 )

Largest Industry Peers for Insurance-Life

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

-0.15 (-1.47%)

USD147.29B 7.55 N/A
PUK Prudential plc

+0.42 (+0.98%)

USD56.09B 26.35 N/A
MET MetLife, Inc

-0.43 (-0.69%)

USD55.48B 11.04 N/A
MET-PA MetLife, Inc

+0.16 (+0.63%)

USD50.11B 4.54 N/A
MET-PE MetLife, Inc

N/A

USD49.20B 4.12 N/A
MFC Manulife Financial Corporation

-0.24 (-1.11%)

USD41.83B 9.26 N/A
PRU Prudential Financial, Inc

-0.04 (-0.04%)

USD38.49B 8.85 N/A
AFL Aflac Incorporated

-0.04 (-0.08%)

USD36.35B 7.93 N/A
LGGNF Legal & General Group Plc

-0.28 (-6.85%)

USD24.11B 11.62 N/A
LGGNY Legal & General Group Plc

-0.86 (-4.28%)

USD24.11B 11.42 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 1.75% 20% F 33% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 1.75% 20% F 30% F
Trailing 12 Months  
Capital Gain 9.38% 16% F 18% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 9.38% 16% F 15% F
Trailing 5 Years  
Capital Gain -26.30% 6% F 15% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -26.30% 6% F 11% F
Average Annual (5 Year Horizon)  
Capital Gain -8.45% 12% F 13% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -8.45% 6% F 10% F
Risk Return Profile  
Volatility (Standard Deviation) 12.36% 94% A 74% C
Risk Adjusted Return -68.31% 6% F 3% F
Market Capitalization 0.29B 5% F 31% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-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 118.00 5% F 7% F
Price/Book Ratio 1.00 50% F 75% C
Price / Cash Flow Ratio 5.93 47% F 60% D-
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity -3.92% 5% F 29% F
Return on Invested Capital -3.92% 5% F 17% F
Return on Assets -0.08% 5% F 21% F
Debt to Equity Ratio N/A N/A N/A N/A N/A
Technical Ratios  
Short Ratio 49.58 6% F 0% N/A
Short Percent 12.40% 8% F 29% F
Beta 0.23 95% A 90% A-
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:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

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.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

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.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector