Citizens Inc. Class A ($1.00 Par) (CIA) Financials

$3.97

$0.08 (2.06%)

As on 03-Sep-2026 16:00EDT

Market cap

$190 Mln

Revenue (TTM)

$254 Mln

P/E Ratio

17.1

P/B Ratio

0.8

Div. Yield

0 %

Annual
Quarterly

Income Statement ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Operating Revenue	253.51	255.62	245.00	240.68	232.52	250.53
Cost of Revenue	168.87	165.03	123.28	--	117.74	122.40
Gross Profit	84.65	90.59	121.72	240.68	114.79	128.13
Operating Expenses	70.46	73.12	106.74	47.13	87.41	97.62
Operating Profit (EBIT)	14.19	17.47	14.98	193.55	27.38	30.51
Other Income	--	--	--	--	--	--
Profit before Tax	14.19	17.47	14.98	26.17	27.38	30.51
Provision for Tax	2.59	2.88	0.07	1.74	1.37	-42.20
Profit after Tax (Net Income)	11.60	14.59	14.91	24.44	26.01	72.71
Minority Interest	--	--	--	--	--	--
Consolidated Profit	9.76	14.59	14.91	24.44	-6.64	36.79

Liabilities ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Shareholder's Funds	235.16	234.99	210.36	172.13	127.79	320.57
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	1,467.80	1,471.77	1,466.15	1,493.35	9.88	15.46
Current Liabilities	49.10	48.01	8.82	10.08	9.88	14.59
Total Liabilities	1,801.16	1,754.76	1,685.33	1,668.93	1,590.70	1,854.51

Assets ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Non-Current Assets	1,752.06	1,662.34	1,656.05	1,596.75	1,205.38	1,500.48
Current Assets	--	92.42	29.27	29.43	1,220.82	1,514.96
Total Assets	1,752.06	1,754.76	1,685.33	1,668.93	1,590.70	1,854.51
Total Debt*	--	7.87	7.79	9.07	10.12	10.83
Net Current Assets	--	--	--	--	--	--

Cashflow ($ Mln)	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Cash From Operating Activities	--	17.99	31.92	22.06	56.92	40.46
Cash Flow from Investing Activities	--	-19.67	-27.17	-14.50	-60.74	-41.08
Cash from Financing Activities	--	-4.61	-2.47	-3.54	-0.50	-6.22
Net Cash Inflow / Outflow	--	--	--	--	-4.32	-6.84

Financials Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Adjusted EPS ($)	0.23	0.29	0.30	0.49	0.52	1.47
Cash EPS ($)	--	0.30	0.31	0.50	0.53	1.49
Adjusted Book Value ($)	--	4.61	4.21	3.47	2.56	6.47
Dividend per Share ($)	--	--	--	--	--	--
Cash Flow per Share ($)	--	0.35	0.64	0.45	1.14	0.82
Free Cash Flow per Share ($)	--	0.34	0.63	0.44	1.14	0.80

Profitability Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
ROCE (%)	--	6.33	7.47	15.32	11.08	22.57
ROE (%)	4.93	6.55	7.80	16.30	11.60	23.40
ROA (%)	0.65	0.85	0.89	1.50	1.51	3.93
EBIT Margin (%)	5.60	6.83	6.11	10.88	11.77	12.18
Net Margin (%)	4.57	5.71	6.09	10.15	11.18	29.02
Cash Profit Margin (%)	0.00	--	--	--	--	--

Growth Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Revenue Growth (%)	3.08	0.04	0.02	0.04	-0.07	0.05
EBIT Growth (%)	19.43	16.62	-42.77	-4.39	-10.25	347.67
Net Profit Growth (%)	3.12	-2.15	-38.98	-6.04	-64.23	761.69
EPS Growth (%)	2.27	-0.04	-0.39	-0.06	-0.64	7.85
Book Value Growth (%)	2.68	--	--	--	--	--

Valuation Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Price / Earnings	17.09	16.88	13.42	5.45	4.08	3.62
Price / Book Value	0.82	1.05	0.95	0.77	0.83	0.82
Dividend Yield (%)	--	--	--	--	--	--
EV/EBITDA	--	11.22	-66.82	-41.17	-38.96	-38.68
Close Price ($)	5.74	4.83	4.01	2.69	2.13	5.31
High Price ($)	6.54	6.36	5.95	4.00	5.58	7.06
Low Price ($)	3.25	2.90	1.78	1.64	1.93	4.81
Market Cap ($ Cr)	190.42	--	--	--	--	--

Solvency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debt to Equity	--	0.03	0.04	0.05	0.08	0.03
Short term debt to equity ratio	--	0.01	0.01	0.01	0.01	0.00
Current Ratio	--	1.93	3.32	2.92	123.52	103.84
Quick Ratio	--	--	--	5.84	131.20	110.40
Interest Coverage	--	--	--	--	31.91	--

Operating Efficiency Ratios	TTM	Dec-25	Dec-24	Dec-23	Dec-22	Dec-21	Dec-20	Dec-19	Dec-18	Dec-17	Dec-16
Debtors to sales (%)	18.02	16.09	7.62	1.80	7.31	6.81
Asset Turnover	0.14	0.15	0.15	0.15	0.13	0.14
Receivable days	--	42.72	17.14	16.18	26.73	24.87
Inventory Days	--	--	-87.18	--	-266.38	-258.20
Payable days	--	19.47	22.90	--	37.96	41.47
Cash Conversion Cycle	--	--	-92.94	--	-277.61	-274.80

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.