Citizens, Inc. (Austin, Texas)

Market Cap: Micro Cap
Industry: Insurance
ISIN: US1747401008

USD

5.66

0.04 (0.71%)

May 07

NYS

View all stocks in this country

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Privia Health Group, Inc.

Lincoln National Corp.

National Western Life Group, Inc.

Genworth Financial, Inc.

Abacus Life, Inc.

Brighthouse Financial, Inc.

eHealth, Inc.

Jackson Financial, Inc.

Citizens, Inc. (Austin, Texas)

American National Group, Inc.

Clover Health Investments Corp.

Why is Citizens, Inc. (Austin, Texas) ?

Weak Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits

Flat results in Jun 25

NET PROFIT(HY) At USD 4.84 MM has Grown at -43.11%
ROCE(HY) Lowest at 5.35%
DEBT-EQUITY RATIO (HY) Highest at -9.9 %

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Citizens, Inc. (Austin, Texas) for you?

High Risk, High Return

Absolute

Risk Adjusted

Volatility

Citizens, Inc. (Austin, Texas)

48.56%

1.18

61.79%

S&P 500

30.29%

0.70

20.15%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

0.27%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Tax Ratio is Negative%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

30.86%

ROCE (avg)

ROE (avg)

8.52%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.14

EV to EBIT

EV to EBITDA

178.75

EV to Capital Employed

1.19

EV to Sales

0.82

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

4.82%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bearish

Mildly Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

NET PROFIT(HY)

Higher at USD 8.88 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-6What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 19.72 MM

NET PROFIT(9M)

At USD 7.25 MM has Grown at -35.76%

Here's what is working for Citizens, Inc. (Austin, Texas)

Net Profit

Higher at USD 8.88 MM

than preceding 12 month period ended Sep 2025

MOJO Watch

In the half year the company has already crossed Net Profit of the previous twelve months

Net Profit (USD MM)

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Citizens, Inc. (Austin, Texas)

Operating Cash Flow

Lowest at USD 19.72 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)