CIA - NYSE
Citizens, Inc.
$4.96
-9.7%Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment issues ordinary whole life insurance and endowment policies in the United States dollar-denominated amounts to non-U.S. residents in through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and property insurance policies to middle-and lower-income households, as well as whole life products in Louisiana, Mississippi, and Arkansas. This segment provides its products and services through funeral homes and independent agents. The company also provides health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
At a Glance
Live SnapshotCitizens, Inc. Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working Capital Impact
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Citizens, Inc. Cash Flow Statement
CIA • NYSE
| Citizens, Inc. Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
14.6M | 14.9M | 24.4M | -6.6M | 72.7M | -11M | -1.4M | -11.1M | -38.1M | 2M | -3.6M | -6.5M | 4.8M | 4.5M | 8.4M | 15.5M | 17.3M | -15.7M | 16.6M | 8.7M | |
273K | 619K | 1.1M | 536K | 1.1M | 1.4M | 1.7M | 3.9M | 3.2M | 2.9M | 3.1M | 3.3M | 3.7M | 3.7M | 4.1M | 4.1M | 4.7M | 4M | 5.5M | 7.4M | |
0.0 | -1.8M | 860K | 124K | 1.7M | -402K | 1.6M | 62.6M | 20.7M | -9.8M | 4M | -79.2M | -3.7M | -2.2M | -1.8M | 627K | 2.3M | 496K | 1.2M | 829K | |
2.8M | 1.5M | 588K | 461K | 646K | 2.2M | 2.1M | 410K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-14.2M | -15.5M | -8.7M | 17.1M | -1.3M | 15.3M | 15.2M | 28.4M | 570K | 12.4M | 9.7M | -11M | -10.9M | -5.8M | -11.9M | -18.4M | -9.6M | 18M | -15.7M | -19.1M | |
(0.0) | (500K) | (1.8M) | (300K) | (1.2M) | (0.0) | (2.2M) | (2.5M) | (2.7M) | (4.1M) | (4.5M) | (4.7M) | (5M) | (3M) | (3.6M) | (1.4M) | (2.9M) | (4.1M) | (8.5M) | (0.0) | |
14.6M | 32.2M | 3.7M | 45.3M | -34.4M | 41.2M | 53.1M | 300K | 86M | 94.8M | 73.9M | 181.6M | 78.4M | 69M | 62.2M | 54.3M | 43.4M | 39.3M | 29.1M | 39.8M | |
18M | 31.9M | 22.1M | 56.9M | 40.5M | 48.8M | 72.2M | 84.6M | 93M | 102.3M | 87.2M | 97.9M | 81.4M | 69.3M | 64.3M | 60.5M | 52.1M | 46.4M | 37.9M | 39.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -663K | -442K | -100K | -1M | -221K | -511K | -724K | -1.3M | -2.2M | -590K | -481K | -393K | -619K | -1.8M | -2.4M | -2.7M | -1.1M | -4.4M | -1.3M | |
(0.0) | (0.0) | (14.1M) | (0.0) | (0.0) | (11K) | (16K) | (89K) | (41K) | (59K) | (0.0) | -4.8M | (0.0) | (0.0) | -3.4M | (0.0) | (9.8M) | -8.2M | (428K) | (264K) | |
-8.8M | -100.6M | -90.1M | -147.2M | -135.1M | -306.2M | -332.3M | -202.9M | -167.7M | -241.1M | -190.3M | -183.2M | -181.8M | -378.7M | -265.6M | -477.3M | -465.5M | -190.7M | -135.1M | -107.1M | |
4.7M | 70M | 76.1M | 83.9M | 92.9M | 245.9M | 264.6M | 125.4M | 91M | 97.3M | 139M | 89.7M | 102.4M | 333.1M | 181.2M | 421M | 391.9M | 188.6M | 80.2M | 106.7M | |
-15.5M | 4.2M | -14.1M | 2.6M | 2M | -1.3M | -1.2M | -7M | -7M | -6.1M | -6.1M | -5.1M | -5M | -3.9M | 4.6M | -3.4M | -2.2M | -2.9M | 2K | -32.1M | |
-19.7M | -27.2M | -14.5M | -60.7M | -41.1M | -61.8M | -69.3M | -85.1M | -85M | -152.1M | -58M | -104M | -84.9M | -50M | -85.1M | -62.1M | -68.8M | -14.3M | -58.8M | -33.6M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-278K | -393K | -919K | -461K | -6.8M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 17.1M | 0.0 | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 442K | 0.0 | |
(0.0) | (0.0) | (0.0) | -23K | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -6.8M | -19.8M | (0.0) | (0.0) | (0.0) | (0.0) | |
-278K | -393K | -919K | -2.7M | -9.1M | (0.0) | (0.0) | (0.0) | (0.0) | -812K | (0.0) | (0.0) | (0.0) | (0.0) | -1.2M | -4.3M | (0.0) | (0.0) | (0.0) | (0.0) | |
-4.3M | -2.1M | -2.6M | -15K | 620K | 904K | -2.2M | -58K | 2.5M | 2.5M | 3M | 2.1M | 1.7M | 3.8M | 4.3M | 2.6M | 1.5M | 1.2M | 0.0 | 693K | |
-4.6M | -2.5M | -3.5M | -499K | -6.2M | 904K | -2.2M | -58K | 2.5M | 2.5M | 3M | 2.1M | 1.7M | 3.8M | 4.3M | 2.6M | 1.5M | 10.6M | 17.5M | 693K | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-6.3M | 2.3M | 4M | -4.3M | -6.8M | -12.1M | 713K | -572K | 10.6M | -47.3M | 32.1M | -3.9M | -1.7M | 23M | -16.5M | 1.1M | -15.2M | 42.7M | -3.4M | 6.2M | |
29.3M | 27M | 23M | 27.3M | 34.1M | 46.2M | 45.5M | 46.1M | 35.5M | 82.8M | 50.7M | 54.6M | 56.3M | 33.3M | 49.7M | 48.6M | 63.8M | 21.1M | 24.5M | 18.3M | |
23M | 29.3M | 27M | 23M | 27.3M | 34.1M | 46.2M | 45.5M | 46.1M | 35.5M | 82.8M | 50.7M | 54.6M | 56.3M | 33.3M | 49.7M | 48.6M | 63.8M | 21.1M | 24.5M | |
17.5M | 31.3M | 21.6M | 56.8M | 39.4M | 48.6M | 71.7M | 83.9M | 91.7M | 100.1M | 86.6M | 97.5M | 81M | 68.7M | 62.5M | 58.2M | 49.4M | 45.3M | 33.6M | 37.8M |
SEC Filings
CIA - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 07, 2026 | May 07, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | April 30, 2026 | June 16, 2026 | 2026 | |
10-K 10-K 2025 FY FY | March 12, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 12, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 10, 2026 | March 05, 2026 | 2026 | |
8-K 8-K 2025 N/A | November 07, 2025 | November 06, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 | |
10-Q 10-Q 2025 Q2 Q2 | August 07, 2025 | June 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 07, 2025 | August 07, 2025 | 2025 |
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