Citizens, Inc. (CIA)

Citizens Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	174.45	173.33	167.04	173.71	174.73	175.33
Total Interest & Dividend Income	69.6	69.71	69.25	65.43	61.5	60.2
Gain (Loss) on Sale of Investments	-6.48	-2.63	0.76	-10.29	10.99	1.5
Other Revenue	5.37	4.59	3.63	3.68	3.33	1.83
Total Revenue	242.94	245	240.68	232.52	250.55	238.86
Revenue Growth (YoY)	0.19%	1.80%	3.51%	-7.19%	4.89%	-4.67%
Policy Benefits	154.36	151.91	140.37	133.64	137.12	156.66
Policy Acquisition & Underwriting Costs	26.69	25.85	27	26.33	26.93	40.85
Selling, General & Administrative	53.62	52.27	47.13	45.18	43.37	43.67
Total Operating Expenses	234.67	230.02	214.51	205.15	207.42	241.17
Operating Income	8.27	14.98	26.17	27.38	43.13	-2.32
EBT Excluding Unusual Items	8.27	14.98	26.17	27.38	43.13	-2.32
Impairment of Goodwill	-	-	-	-	-12.62	-
Other Unusual Items	-	-	-	-	-	-10
Pretax Income	8.27	14.98	26.17	27.38	30.51	-12.32
Income Tax Expense	-0.48	0.07	1.74	1.37	-42.2	-1.33
Net Income	8.75	14.91	24.44	26.01	72.71	-10.99
Net Income to Common	8.75	14.91	24.44	26.01	72.71	-10.99
Net Income Growth	-63.72%	-38.98%	-6.04%	-64.23%	-	-
Shares Outstanding (Basic)	51	50	50	50	50	50
Shares Outstanding (Diluted)	52	51	51	51	51	51
Shares Change (YoY)	2.00%	0.13%	-0.37%	0.44%	-0.58%	1.17%
EPS (Basic)	0.17	0.30	0.49	0.52	1.45	-0.22
EPS (Diluted)	0.17	0.29	0.48	0.51	1.44	-0.22
EPS Growth	-64.78%	-39.58%	-6.12%	-64.39%	-	-
Free Cash Flow	25.17	31.26	21.61	56.82	39.45	48.61
Free Cash Flow Per Share	0.49	0.62	0.43	1.12	0.78	0.95
Operating Margin	3.40%	6.11%	10.88%	11.77%	17.21%	-0.97%
Profit Margin	3.60%	6.09%	10.15%	11.19%	29.02%	-4.60%
Free Cash Flow Margin	10.36%	12.76%	8.98%	24.44%	15.75%	20.35%
EBITDA	8.9	15.6	26.69	27.91	44.27	-0.89
EBITDA Margin	3.67%	6.37%	11.09%	12.00%	17.67%	-0.37%
D&A For EBITDA	0.64	0.62	0.52	0.54	1.14	1.42
EBIT	8.27	14.98	26.17	27.38	43.13	-2.32
EBIT Margin	3.40%	6.11%	10.88%	11.77%	17.21%	-0.97%
Effective Tax Rate	-	0.45%	6.64%	5.00%	-	-
Revenue as Reported	242.94	245	240.68	232.52	250.55	238.86

Updated Mar 13, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.

SEC Filings: 10-K · 10-Q