Growth & profitability
- Revenue has grown 1.4% per year over the past 5 years.
- Free cash flow has declined 18.4% per year over the past 5 years.
CIA Financials CITIZENS, INC.
15 years of revenue, profit, cash flow and balance-sheet history through FY2025, from SEC filings — with a computed, factual read of the trend. Updated Overview →
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key annual figures
| FY | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| 2025 | $256M | $15M | 0.0% | 0.0% | $18M | — | $23M |
| 2024 | $245M | $15M | 0.0% | 0.0% | $31M | — | $29M |
| 2023 | $241M | $24M | 0.0% | 0.0% | $22M | — | $27M |
| 2022 | $233M | $26M | 0.0% | 0.0% | $57M | — | $23M |
| 2021 | $251M | $73M | 0.0% | 0.0% | $39M | — | $27M |
| 2020 | $239M | -$11M | 0.0% | 0.0% | $49M | — | $34M |
| 2019 | $251M | -$1M | 0.0% | 0.0% | $72M | — | $46M |
| 2018 | $244M | -$11M | 0.0% | 0.0% | $84M | — | $45M |
| 2017 | $253M | -$38M | 0.0% | 0.0% | $92M | — | $46M |
| 2016 | $245M | $2M | 0.0% | 0.0% | $100M | — | $36M |
| 2015 | $236M | -$3M | 0.0% | 0.0% | $87M | — | $83M |
| 2014 | $230M | -$6M | 0.0% | 0.0% | $97M | — | $51M |
| 2013 | $214M | $5M | 0.0% | 0.0% | $81M | — | $55M |
| 2012 | $203M | $5M | 0.0% | 0.0% | $69M | — | $56M |
| 2011 | $194M | $8M | 0.0% | 0.0% | $62M | — | $33M |
RevenueNet income
GrossOperatingNet
Free cash flow
CashTotal debt
OperatingInvestingFinancing
Key quarterly figures
| Quarter | Revenue | Net income | Gross M | Op M | FCF | Total debt | Cash |
|---|---|---|---|---|---|---|---|
| Mar '26 | $60M | $2M | 0.0% | 0.0% | -$649000 | — | $19M |
| Dec '25 | $72M | $7M | 0.0% | 0.0% | $9M | — | $23M |
| Sep '25 | $63M | $2M | 0.0% | 0.0% | $5M | — | $23M |
| Jun '25 | $65M | $6M | 0.0% | 0.0% | $3M | — | $23M |
| Mar '25 | $56M | -$2M | 0.0% | 0.0% | $641000 | — | $18M |
| Dec '24 | $63M | $4M | 0.0% | 0.0% | $11M | — | $29M |
| Sep '24 | $62M | $3M | 0.0% | 0.0% | $9M | — | $32M |
| Jun '24 | $62M | $4M | 0.0% | 0.0% | $4M | — | $26M |
| Mar '24 | $58M | $5M | 0.0% | 0.0% | $7M | — | $23M |
| Dec '23 | $67M | $11M | 0.0% | 0.0% | $6M | — | $27M |
| Sep '23 | $59M | $3M | 0.0% | 0.0% | $3M | — | $17M |
| Jun '23 | $59M | $6M | 0.0% | 0.0% | $5M | — | $21M |
| Mar '23 | $56M | $5M | 0.0% | 0.0% | $7M | — | $19M |
| Dec '22 | $67M | $14M | 0.0% | 0.0% | $17M | — | $23M |
| Sep '22 | $56M | $3M | 0.0% | 0.0% | $17M | — | $21M |
| Jun '22 | $54M | $2M | 0.0% | 0.0% | $10M | — | $22M |
| Mar '22 | $55M | $6M | 0.0% | 0.0% | $12M | — | $21M |
| Dec '21 | $70M | $38M | 0.0% | 0.0% | $17M | — | $27M |
| Sep '21 | $62M | -$3M | 0.0% | 0.0% | $15M | — | $30M |
| Jun '21 | $64M | $5M | 0.0% | 0.0% | $6M | — | $30M |
Valuation over time
How the market has priced CIA against its own fundamentals since 2023-03 — each month-end's share price set against the most recent annual filing, so the multiple moves as price runs ahead of (or behind) earnings. Split-adjusted.
- The price-to-earnings ratio has risen from 7.2× (Mar '23) to 20.6× (Jun '26).
- The price-to-sales ratio has risen from 0.8× (Mar '23) to 1.2× (Jun '26).
P/E
P/S
Frequently asked questions
Is CIA growing its revenue and profit?
Over the past 5 years, CITIZENS, INC.'s revenue has grown 1.4% per year. These are computed facts, not advice.
How much debt does CIA have?
As of FY2025, CITIZENS, INC. reported — of total debt against $23M of cash.
What is CIA's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 5.7%.
What is CIA's P/E ratio?
As of Jun '26, CITIZENS, INC. traded at a price-to-earnings ratio of about 20.6× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted · growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price against the latest annual filing. Informational only — not investment advice.