InsiderClue
Stocks · Financials · Life Insurance

CITIZENS, INC.

CIA Clue Score52
United States Fiscal year ends December CIK 0000024090
$3.47 -1.70% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $3.47 −45.35% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue245.4Net income2.0Fiscal year 2017Revenue252.6 +2.9%Net income−38.1 −2,036.4%Fiscal year 2018Revenue244.0 −3.4%Net income−11.1Fiscal year 2019Revenue250.5 +2.7%Net income−1.4Fiscal year 2020Revenue238.9 −4.7%Net income−11.0Fiscal year 2021Revenue250.5 +4.9%Net income72.7Fiscal year 2022Revenue232.5 −7.2%Net income26.0 −64.2%Fiscal year 2023Revenue240.7 +3.5%Net income24.4 −6.0%Fiscal year 2024Revenue245.0 +1.8%Net income14.9 −39.0%Fiscal year 2025Revenue255.6 +4.3%Net income14.6 −2.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 245.4 252.6 244.0 250.5 238.9 250.5 232.5 240.7 245.0 255.6
Growth +2.9% −3.4% +2.7% −4.7% +4.9% −7.2% +3.5% +1.8% +4.3%
Net income 2.0 −38.1 −11.1 −1.4 −11.0 72.7 26.0 24.4 14.9 14.6
Growth −2,036.4% −64.2% −6.0% −39.0% −2.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin0.8%Free cash flow margin40.8%Fiscal year 2017Net margin−15.1%Free cash flow margin36.3%Fiscal year 2018Net margin−4.5%Free cash flow margin34.4%Fiscal year 2019Net margin−0.5%Free cash flow margin28.6%Fiscal year 2020Net margin−4.6%Free cash flow margin20.4%Fiscal year 2021Net margin29.0%Free cash flow margin15.7%Fiscal year 2022Net margin11.2%Free cash flow margin24.4%Fiscal year 2023Net margin10.2%Free cash flow margin9.0%Fiscal year 2024Net margin6.1%Free cash flow margin12.8%Fiscal year 2025Net margin5.7%Free cash flow margin6.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 0.8% −15.1% −4.5% −0.5% −4.6% 29.0% 11.2% 10.2% 6.1% 5.7%
Free cash flow margin 40.8% 36.3% 34.4% 28.6% 20.4% 15.7% 24.4% 9.0% 12.8% 6.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow102.3Capital expenditure−2.2Free cash flow100.1Fiscal year 2017Operating cash flow93.0Capital expenditure−1.3Free cash flow91.7 −8.4%Fiscal year 2018Operating cash flow84.6Capital expenditure−0.7Free cash flow83.9 −8.5%Fiscal year 2019Operating cash flow72.2Capital expenditure−0.5Free cash flow71.7 −14.5%Fiscal year 2020Operating cash flow48.8Capital expenditure−0.2Free cash flow48.6 −32.2%Fiscal year 2021Operating cash flow40.5Capital expenditure−1.0Free cash flow39.4 −18.9%Fiscal year 2022Operating cash flow56.9Capital expenditure−0.1Free cash flow56.8 +44.0%Fiscal year 2023Operating cash flow22.1Capital expenditure−0.4Free cash flow21.6 −62.0%Fiscal year 2024Operating cash flow31.9Capital expenditure−0.7Free cash flow31.3 +44.6%Fiscal year 2025Operating cash flow18.0Capital expenditure−0.4Free cash flow17.5 −43.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 102.3 93.0 84.6 72.2 48.8 40.5 56.9 22.1 31.9 18.0
Capital expenditure −2.2 −1.3 −0.7 −0.5 −0.2 −1.0 −0.1 −0.4 −0.7 −0.4
Free cash flow 100.1 91.7 83.9 71.7 48.6 39.4 56.8 21.6 31.3 17.5
Growth −8.4% −8.5% −14.5% −32.2% −18.9% +44.0% −62.0% +44.6% −43.9%

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash35.5Shareholders’ equity249.1Fiscal year 2017Cash46.1Shareholders’ equity223.5Fiscal year 2018Cash45.5Shareholders’ equity187.7Fiscal year 2019Cash46.2Shareholders’ equity259.8Fiscal year 2020Cash34.1Shareholders’ equity300.9Fiscal year 2021Cash27.3Shareholders’ equity100.0Fiscal year 2022Cash23.0Shareholders’ equity127.8Fiscal year 2023Cash27.0Shareholders’ equity172.1Fiscal year 2024Cash29.3Shareholders’ equity210.4Fiscal year 2025Cash23.0Shareholders’ equity235.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 35.5 46.1 45.5 46.2 34.1 27.3 23.0 27.0 29.3 23.0
Shareholders’ equity 249.1 223.5 187.7 259.8 300.9 100.0 127.8 172.1 210.4 235.0

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Cash flow

In millions of USD, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Operations
102.3 93.0 84.6 72.2 48.8 40.5 56.9 22.1 31.9 18.0
Growth −9.1% −9.0% −14.7% −32.4% −17.2% +40.7% −61.3% +44.7% −43.6%
Investment
−2.2 −1.3 −0.7 −0.5 −0.2 −1.0 −0.1 −0.4 −0.7 −0.4
calc 100.1 91.7 83.9 71.7 48.6 39.4 56.8 21.6 31.3 17.5
Growth −8.4% −8.5% −14.5% −32.2% −18.9% +44.0% −62.0% +44.6% −43.9%
calc 2.00 1.83 1.67 1.42 0.95 0.78 1.12 0.43 n/a n/a
−152.1 −85.0 −85.1 −69.3 −61.8 −41.1 −60.7 −14.5 −27.2 −19.7
Financing
2.5 2.5 −0.1 −2.2 0.9 −6.2 −0.5 −3.5 −2.5 −4.6

Lines marked calc are worked out here from filed figures; point at one for how. Capital expenditure, dividends and buybacks are shown as money out, so negative.