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Upturn AI SWOT - About
CIA 
Citizens Inc (CIA)
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Upturn Advisory Summary
09/11/2025: CIA (3-star) is a STRONG-BUY. BUY since 34 days. Simulated Profits (33.01%). 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 54.49% | Avg. Invested days 39 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/11/2025 |
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. Initially focused on providing life and health insurance to U.S. expatriates, it has evolved to serve markets with specialized financial needs, including international markets and pre-need funeral insurance in the U.S.
Core Business Areas
- Life Insurance: Offers a range of life insurance products, including whole life, term life, and universal life policies. Focused on underserved markets and global citizens.
- Preneed Funeral Insurance: Provides preneed funeral insurance and related services, allowing individuals to pre-arrange and pre-fund their funeral expenses.
Leadership and Structure
The leadership team consists of experienced executives in the insurance and financial services industries. 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
- US Dollar Whole Life Insurance: Life insurance product providing dollar-denominated coverage globally. Market share information not publicly available. Competitors include global life insurance companies like AIG, Prudential and Allianz who also offer international products, but often through separate international arms.
- Preneed Funeral Insurance: Funeral insurance product, market share information not publicly available. Competitors include Service Corporation International (SCI), Stonemor Partners and other regional and local preneed providers.
Market Dynamics
Industry Overview
The insurance industry is highly competitive and regulated. Trends include increasing demand for personalized financial products, technological advancements, and shifting demographics.
Positioning
Citizens, Inc. differentiates itself by focusing on niche markets and underserved customer segments, providing specialized financial solutions. Its competitive advantage lies in its international expertise and targeted product offerings.
Total Addressable Market (TAM)
The TAM for life insurance globally is estimated to be in the trillions of dollars. The pre-need funeral insurance market is in the billions of dollars annually. Citizens Inc is positioned to grow share within its focus area.
Upturn SWOT Analysis
Strengths
- Niche market focus
- International expertise
- Specialized product offerings
- Experienced management team
Weaknesses
- Smaller market capitalization compared to major competitors
- Limited brand recognition in mainstream markets
- Dependence on specific target markets
- Lower financial strength ratings than bigger peers
Opportunities
- Expanding into new international markets
- Developing new and innovative insurance products
- Leveraging technology to improve customer experience
- Partnerships with other financial institutions
Threats
- Increased competition from larger insurance companies
- Changes in regulations and compliance requirements
- Economic downturns affecting customer demand
- Currency fluctuations impacting international business
Competitors and Market Share
Key Competitors
- AIG
- PRU
- SCI
Competitive Landscape
Citizens, Inc. operates in a competitive landscape against larger players. Its niche focus provides an advantage in specific markets, but its size and resources are limited compared to global giants.
Growth Trajectory and Initiatives
Historical Growth: Historical growth rate information is not readily available without specific financial data. Please insert current data for accurate report.
Future Projections: Future growth projections not available without current analyst estimates. Please insert current data for accurate report.
Recent Initiatives: Recent initiatives are difficult to confirm without access to current company reports, but strategic initiatives are expected to focus on expanding into new international markets.
Summary
Citizens Inc is a smaller company focusing on niche markets within the insurance industry. The company benefits from its international focus and specialized products, but it faces challenges due to its smaller size compared to larger competitors. Future success depends on strategic initiatives for growth and expansion into new markets. Monitoring the competitive landscape and adapting to changing regulations will also be important.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered as financial advice. The user is responsible for their own investing 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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