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Upturn AI SWOT - About
CIA 
Citizens Inc (CIA)
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Upturn Advisory Summary
08/14/2025: CIA (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 44.27% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 185.56M USD | Price to earnings Ratio 21.76 | 1Y Target Price 5 |
Price to earnings Ratio 21.76 | 1Y Target Price 5 | ||
Volume (30-day avg) - | Beta 0.38 | 52 Weeks Range 2.33 - 5.95 | Updated Date 06/29/2025 |
52 Weeks Range 2.33 - 5.95 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.17 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 3.6% | Operating Margin (TTM) -3.21% |
Management Effectiveness
Return on Assets (TTM) 0.31% | Return on Equity (TTM) 4.23% |
Valuation
Trailing PE 21.76 | Forward PE 16.81 | Enterprise Value 167199874 | Price to Sales(TTM) 0.76 |
Enterprise Value 167199874 | Price to Sales(TTM) 0.76 | ||
Enterprise Value to Revenue 0.69 | Enterprise Value to EBITDA - | Shares Outstanding 50150000 | Shares Floating 44985021 |
Shares Outstanding 50150000 | Shares Floating 44985021 | ||
Percent Insiders 11.04 | Percent Institutions 20.39 |
Upturn AI SWOT
Citizens Inc
Company Overview
History and Background
Citizens, Inc. was founded in 1969 by Harold E. Riley in Austin, Texas. Initially focused on providing life insurance to U.S. government employees stationed abroad, the company expanded its offerings and geographic reach over the years.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including whole life, term life, and accidental death insurance. Products are sold internationally and domestically.
- Annuities: Provides annuity products designed for retirement savings and income.
- Other Insurance Products: Including supplemental health insurance and pre-need funeral insurance.
Leadership and Structure
The company is led by a board of directors and a senior management team. The CEO is currently Gerald W. Shields. The organizational structure includes departments for actuarial, finance, sales, and marketing.
Top Products and Market Share
Key Offerings
- International Whole Life Insurance: This is a core product, providing lifelong coverage. Market share data is difficult to ascertain precisely due to the niche international focus, however, the company has established a significant presence in select markets. Competitors include global insurance companies with international divisions, such as Prudential, AIG, and Allianz.
- Modified Whole Life Insurance: Offers a modified whole life insurance policy that has a lower premium for a set number of years then it increase after that. The modified whole life insurance policy is an insurance policy that is a product by Cizizens Special Risk Division in the US. Competitors include companies offering similar final expense/burial insurance products.
Market Dynamics
Industry Overview
The life insurance industry is experiencing moderate growth, driven by aging populations and increasing awareness of financial security needs. The industry is also facing challenges from low interest rates and regulatory changes.
Positioning
Citizens, Inc. focuses on niche markets, particularly international markets and specialized insurance products, which allows it to differentiate itself from larger competitors. It has a competitive advantage of selling internationally but a disadvantage due to the international economy.
Total Addressable Market (TAM)
The global life insurance market is estimated to be in the trillions of dollars. Citizens Inc. is positioned to capture a portion of this TAM through its niche market focus. The global life insurance market is expect to be around $7.8 Trillion in 2024.
Upturn SWOT Analysis
Strengths
- Niche market focus
- International presence
- Strong distribution network in select markets
Weaknesses
- Limited brand recognition compared to larger competitors
- Relatively small market capitalization
- Dependence on specific geographic regions
Opportunities
- Expanding into new international markets
- Developing new insurance products
- Leveraging technology to improve efficiency
Threats
- Economic downturns in key markets
- Increased competition from larger insurance companies
- Regulatory changes
- Currency fluctuations
Competitors and Market Share
Key Competitors
- PRU
- AIG
- ALLIZ
Competitive Landscape
Citizens, Inc. competes with larger, more established insurance companies. Its advantage lies in its niche market focus, but it faces challenges in terms of brand recognition and resources.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been steady but modest, driven by expansion into new markets and product innovation. Note current reports for trends at the time of generation.
Future Projections: Future growth projections are dependent on the company's ability to execute its strategic initiatives. Analyst estimates at the time of generation, should be noted.
Recent Initiatives: Recent initiatives may include expanding distribution networks and investing in technology.
Summary
Citizens, Inc. is a niche insurance company with a focus on international markets and specialized products. Its strengths include its international presence and targeted product offerings. However, it faces challenges related to its smaller size and the competitive landscape. The company's future success depends on its ability to execute its growth strategy and navigate economic uncertainties.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Market data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share percentages are approximate and may vary depending on the source and methodology used.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Citizens Inc
Exchange NYSE | Headquaters Austin, TX, United States | ||
IPO Launch date 1988-12-05 | President & CEO Mr. Jon Scott Stenberg | ||
Sector Financial Services | Industry Insurance - Life | Full time employees 247 | Website https://www.citizensinc.com |
Full time employees 247 | Website https://www.citizensinc.com | ||
Citizens, Inc., an insurance holding company, provides life insurance products in the United States and internationally. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
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