Citizens Inc
NYSE:CIA

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Citizens Inc
NYSE:CIA
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Price: 5.78 USD -2.53% Market Closed
Market Cap: $290.7m

ROE

5%
Current
Declining
by 5%
vs 3-y average of 10%

Return on Equity (ROE) measures how effectively a company generates profit from shareholders` equity. It shows how much net income is earned for each dollar invested by shareholders.

ROE
5%
=
Net Income
$10.9m
/
Avg Total Equity
$216.8m

Return on Equity (ROE) measures how effectively a company generates profit from shareholders` equity. It shows how much net income is earned for each dollar invested by shareholders.

ROE
5%
=
Net Income
$10.9m
/
Avg Total Equity
$216.8m

Peer Comparison

Country Company Market Cap ROE
US
Citizens Inc
NYSE:CIA
290.7m USD
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ZA
Sanlam Ltd
JSE:SLM
220.9B ZAR
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CN
China Life Insurance Co Ltd
SSE:601628
1.3T CNY
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CN
Ping An Insurance Group Co of China Ltd
SSE:601318
1.2T CNY
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ZA
Discovery Ltd
JSE:DSY
160.1B ZAR
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ZA
OUTsurance Group Ltd
JSE:OUT
115.9B ZAR
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HK
AIA Group Ltd
HKEX:1299
869.3B HKD
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ZA
Old Mutual Ltd
JSE:OMU
69.1B ZAR
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CA
Manulife Financial Corp
TSX:MFC
83.9B CAD
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IN
Life Insurance Corporation Of India
NSE:LICI
5.5T INR
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US
Aflac Inc
NYSE:AFL
59.1B USD
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Market Distribution

In line with most companies in the United States of America
Percentile
42nd
Based on 13 668 companies
42nd percentile
5%
Low
-155 749.7% — -2%
Typical Range
-2% — 15.9%
High
15.9% — 143 206.7%
Distribution Statistics
the United States of America
Min -155 749.7%
30th Percentile -2%
Median 8.2%
70th Percentile 15.9%
Max 143 206.7%

Other Profitability Ratios

Citizens Inc
Glance View

Market Cap
290.7m USD
Industry
Insurance

Citizens, Inc. (Austin, Texas) is a holding company, which engages in the provision of insurance and reinsurance services. The company is headquartered in Austin, Texas and currently employs 215 full-time employees. The Company’s segments include Life Insurance segment and Home Service Insurance segment. Life Insurance segment primarily consist of the collection of renewal premiums on ordinary whole life and final expense policies issued to middle and lower income families and individuals in certain markets in the Mountain West, Midwest and Southern U.S. Life Insurance segment also sells credit life and credit accident and health insurance domestically. Home Service Insurance segment markets through, its subsidiaries Security Plan Life Insurance Company, Magnolia Guaranty Life Insurance Company (MGLIC) and Security Plan Fire Insurance Company (SPFIC). Home Service Insurance segment also sells property insurance policies covering dwellings and content. The Company’s polices are sold and serviced through funeral homes and independent agents who sell policies, collect premiums and service policyholders.

CIA Intrinsic Value
HIDDEN
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What is Return on Equity?
Return on Equity (ROE) measures how effectively a company generates profit from shareholders` equity. It shows how much net income is earned for each dollar invested by shareholders.
How is ROE calculated?

ROE is calculated by dividing the Net Income by the Avg Total Equity.

ROE
5%
=
Net Income
$10.9m
/
Avg Total Equity
$216.8m
What is Citizens Inc's current ROE?

The current ROE for Citizens Inc is 5%, which is below its 3-year median of 10%.

How has ROE changed over time?

Over the last 3 years, Citizens Inc’s ROE has decreased from 22.4% to 5%. During this period, it reached a low of -2.9% on Dec 31, 2022 and a high of 24.6% on Sep 30, 2023.

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