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Citizens, Inc. (Austin, Texas)

  • Market Cap: Micro Cap
  • Industry: Insurance
  • ISIN: US1747401008
USD
5.34
0.04 (0.75%)

Dec 04

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison
Company
Score
Quality
Valuation
Financial
Technical
Brighthouse Financial, Inc.
Privia Health Group, Inc.
Jackson Financial, Inc.
National Western Life Group, Inc.
Lincoln National Corp.
Genworth Financial, Inc.
Abacus Life, Inc.
eHealth, Inc.
Citizens, Inc. (Austin, Texas)
American National Group, Inc.
Clover Health Investments Corp.
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 %
3
With ROE of 4.01%, it has a very expensive valuation with a 0.91 Price to Book Value
  • Over the past year, while the stock has generated a return of 20.27%, its profits have fallen by -63.7%
stock-recommendationReal-Time Research Report
Verdict Report
How much should you sell?
  1. 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)
20.27%
1.25
61.28%
S&P 500
13.22%
0.65
20.20%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors
Factor
Value
Sales Growth (5y)
0.05%
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
22.27%
ROCE (avg)
0
ROE (avg)
8.52%
stock-recommendationValuation
Valuation Scorecard stock-summary
stock-recommendation
Valuation grade scale :

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

Valuation Key Factors stock-summary
Factor
Value
P/E Ratio
23
Industry P/E
Price to Book Value
0.91
EV to EBIT
NA
EV to EBITDA
129.70
EV to Capital Employed
0.88
EV to Sales
0.62
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
4.01%
stock-recommendationTechnicals
Technical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend
Financial Trend Scorecard stock-summary
stock-recommendation
Financial Trend scale:

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

10What is working for the Company
RAW MATERIAL COST(Y)

Fallen by 0% (YoY

NET SALES(Q)

Highest at USD 65.09 MM

OPERATING PROFIT(Q)

Highest at USD 6.91 MM

OPERATING PROFIT MARGIN(Q)

Highest at 10.62 %

PRE-TAX PROFIT(Q)

Highest at USD 6.91 MM

NET PROFIT(Q)

Highest at USD 6.46 MM

EPS(Q)

Highest at USD 0.13

-10What is not working for the Company
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 %

Here's what is working for Citizens, Inc. (Austin, Texas)
Pre-Tax Profit
At USD 6.91 MM has Grown at 109.39%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Sales
Highest at USD 65.09 MM
in the last five periods
MOJO Watch
Near term sales trend is positive

Net Sales (USD MM)

Operating Profit
Highest at USD 6.91 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is positive

Operating Profit (USD MM)

Operating Profit Margin
Highest at 10.62 %
in the last five periods
MOJO Watch
Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit
Highest at USD 6.91 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (USD MM)

Net Profit
Highest at USD 6.46 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

Net Profit
At USD 6.46 MM has Grown at 63.15%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is positive

Net Profit (USD MM)

EPS
Highest at USD 0.13
in the last five periods
MOJO Watch
Increasing profitability; company has created higher earnings for shareholders

EPS (USD)

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)
Debt-Equity Ratio
Highest at -9.9 %
in the last five Semi-Annual periods
MOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio

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