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Upturn AI SWOT - About
CIA 
Citizens Inc (CIA)
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Upturn Advisory Summary
06/06/2025: CIA (2-star) is currently NOT-A-BUY. Pass it for now.
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
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 16.15% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 06/06/2025 |
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 |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Citizens Inc
Company Overview
History and Background
Citizens Inc. was founded in 1969 and has grown to provide life insurance products to international markets. Its focus has been on serving the needs of U.S. citizens living abroad, as well as local populations in various countries.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including term life, whole life, and universal life policies, primarily targeting international markets and expatriates.
- Annuities: Provides fixed and variable annuity products designed for retirement savings and income.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of an insurance company, with departments for actuarial, underwriting, sales, marketing, and finance.
Top Products and Market Share
Key Offerings
- International Whole Life Insurance: Offers whole life insurance policies to individuals living outside the United States. Market share data is difficult to ascertain as it's fragmented globally, but Citizens Inc. focuses on specific niche markets. Competitors include international divisions of major insurance companies like Prudential and MetLife, as well as local insurers in the countries they operate.
- Annuity Products: Provides annuity products for retirement planning. While Citizens Inc. offers them, this is not their core business. Market share would be smaller compared to major annuity providers such as Athene, Jackson National, and New York Life.
Market Dynamics
Industry Overview
The life insurance industry is characterized by intense competition, regulatory scrutiny, and evolving consumer preferences. Demand is driven by factors such as population growth, aging demographics, and economic conditions.
Positioning
Citizens Inc. is positioned as a niche player focusing on international markets, particularly serving U.S. expatriates and other underserved populations. Their competitive advantage lies in their specialized knowledge of these markets.
Total Addressable Market (TAM)
The global life insurance market is estimated to be worth trillions of dollars. Citizens Inc.'s TAM is a subset of this, focused on international markets and specific demographics, but still substantial. Their position is to capture a portion of this large TAM through specialized services.
Upturn SWOT Analysis
Strengths
- Niche market focus (international)
- Specialized expertise in serving expatriates
- Established distribution network in key markets
Weaknesses
- Smaller size compared to major competitors
- Concentration risk in specific geographic markets
- Limited brand recognition
Opportunities
- Expanding into new international markets
- Developing new products tailored to expatriate needs
- Leveraging technology to improve customer service
Threats
- Increased competition from larger insurance companies
- Changes in regulations affecting international insurance
- Economic downturns in key markets
Competitors and Market Share
Key Competitors
- MetLife (MET)
- Prudential Financial (PRU)
- Aflac (AFL)
Competitive Landscape
Citizens Inc. faces intense competition from larger, more established players like MetLife and Prudential. Its advantage lies in its niche focus, but it needs to continually innovate to maintain its position.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data needs to be sourced and analyzed separately. Provide updated data information when available.
Future Projections: Future projections need to be sourced and analyzed separately. Provide updated data information when available.
Recent Initiatives: Recent strategic initiatives data needs to be sourced and analyzed separately. Provide updated data information when available.
Summary
Citizens Inc. is a niche player in the life insurance market, focusing on international and expatriate customers. Their specialized expertise provides a competitive advantage. However, they face challenges due to their smaller size and the competitive landscape. They must continue to innovate and expand strategically to maintain their growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Financial news sources
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market share data is approximate. Consult with a qualified financial advisor before making any investment decisions.
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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