ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Citizens, Inc. (Austin, Texas) ?
1
Weak Long Term Fundamental Strength with a 0% CAGR growth in Operating Profits
2
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 ReportHow 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)
-35.96%
1.18
61.79%
S&P 500
15.36%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
1.37%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
30.64%
ROCE (avg)
0
ROE (avg)
8.52%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
1.04
EV to EBIT
NA
EV to EBITDA
163.62
EV to Capital Employed
1.05
EV to Sales
0.76
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
6.21%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-19What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 15.5 MM
ROCE(HY)
Lowest at 5%
OPERATING PROFIT(Q)
Lowest at USD -0.53 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -0.88 %
PRE-TAX PROFIT(Q)
Lowest at USD -0.53 MM
NET PROFIT(Q)
Lowest at USD -0.42 MM
EPS(Q)
Lowest at USD -0.01
Here's what is working for Citizens, Inc. (Austin, Texas)
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)
Pre-Tax Profit
At USD -0.53 MM has Fallen at -107.65%
Year on Year (YoY)MOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD -0.42 MM has Fallen at -106.58%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
Operating Cash Flow
Lowest at USD 15.5 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
Operating Profit
Lowest at USD -0.53 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (USD MM)
Operating Profit Margin
Lowest at -0.88 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at USD -0.53 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (USD MM)
Net Profit
Lowest at USD -0.42 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (USD MM)
EPS
Lowest at USD -0.01
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (USD)
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