Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
CIA 
Citizens Inc (CIA)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/10/2025: CIA (3-star) is a REGULAR-BUY. BUY since 55 days. Simulated Profits (30.07%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 51.09% | Avg. Invested days 42 | Today’s Advisory Regular Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 10/10/2025 |
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. It focuses on offering life and final expense insurance products, primarily to international markets and U.S. residents. The company has expanded its reach through acquisitions and organic growth, adapting to changing market demands over time.
Core Business Areas
- Life Insurance: Offers individual life insurance policies, including whole life and term life, focusing on providing financial security for families and individuals.
- Final Expense Insurance: Provides insurance policies specifically designed to cover funeral and end-of-life expenses.
- Preneed Insurance: Offered through third parties, these policies cover funeral and burial arrangements.
- Annuities: Offers fixed and variable annuities as an alternative investment product
Leadership and Structure
Citizens, Inc. has a board of directors and an executive management team that guides the company's strategy and operations. The company is structured to manage its life insurance, final expense insurance, and investment operations.
Top Products and Market Share
Key Offerings
- Individual Life Insurance: Provides financial protection for families upon the death of the insured. Market share data is difficult to pinpoint to Citizens, Inc. alone but the Life Insurance industry generates $910 Billion as of 2024. Competitors include Prudential Financial, New York Life, and Northwestern Mutual.
- Final Expense Insurance: Covers funeral costs and other related expenses, reducing the financial burden on grieving families. Market share data for Citizens Inc is unavailable and the TAM is $20 Billion as of 2024. Competitors include Lincoln Heritage Life Insurance Company, and Senior Life Insurance Company.
Market Dynamics
Industry Overview
The life insurance industry is competitive, influenced by factors such as interest rates, demographic trends, and regulatory changes. It's a mature market with increasing demand from aging populations.
Positioning
Citizens, Inc. differentiates itself by focusing on niche markets, including international customers and final expense insurance, providing an alternative to larger, more generalized insurance providers.
Total Addressable Market (TAM)
The global life insurance market is substantial. Citizens Inc aims to capture a segment of this through specialized products and target demographics.
Upturn SWOT Analysis
Strengths
- Specialized product focus (Final Expense, International)
- Experienced management team
- Strong balance sheet management
Weaknesses
- Limited brand recognition compared to larger insurers
- Geographic concentration (Dependence on select markets)
- Smaller scale, impacting cost efficiencies
Opportunities
- Expansion into new geographic markets
- Development of new products and services
- Leveraging technology to improve efficiency and customer service
Threats
- Changes in interest rates
- Increased competition from larger insurance companies
- Regulatory changes in key markets
- Economic downturn affecting consumer spending
Competitors and Market Share
Key Competitors
- PRU
- MET
- NNY
Competitive Landscape
Citizens Inc operates in a market dominated by much larger players. Their strategy is to be nimble and address particular niches. They do not possess the economies of scale or brand recognition of larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Dependent on Citizens Inc financial reports.
Future Projections: Dependent on analyst projections and market assumptions.
Recent Initiatives: Requires access to company press releases, filings, and communications.
Summary
Citizens, Inc. is a smaller player in the competitive life insurance market, focusing on specialized products and niche markets. The company's strengths include its experienced management team and focus on international customers, but it faces challenges from larger competitors and regulatory changes. Future growth depends on its ability to expand into new markets and leverage technology to improve efficiency. The company will have to carefully manage economic risks and competitive pressures.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Websites
- SEC Filings
- Industry Reports
- MarketWatch
- Yahoo Finance
Disclaimers:
This analysis is based on publicly available information and general industry knowledge. Market share percentages are estimates and may not be precise. This is not financial advice.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.