CIA Relative Valuation
CIA's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CIA is overvalued; if below, it's undervalued.
Historical Valuation
Citizens Inc (CIA) is now in the Fair zone, suggesting that its current forward PE ratio of 18.93 is considered Fairly compared with the five-year average of 13.02. The fair price of Citizens Inc (CIA) is between 2.93 to 6.72 according to relative valuation methord.
Relative Value
Fair Zone
2.93-6.72
Current Price：5.26
Fair
19.07
PE
1Y
3Y
5Y
Trailing
Forward
0.00
EV/EBITDA
Citizens Inc. (CIA) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Citizens Inc. (CIA) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
1.03
PS
Citizens Inc. (CIA) has a current PS of 1.03. The 5-year average PS is 0.67. The thresholds are as follows: Strongly Undervalued below -0.13, Undervalued between -0.13 and 0.27, Fairly Valued between 1.07 and 0.27, Overvalued between 1.07 and 1.47, and Strongly Overvalued above 1.47. The current Forward PS of 1.03 falls within the Historic Trend Line -Fairly Valued range.
12.89
P/OCF
Citizens Inc. (CIA) has a current P/OCF of 12.89. The 5-year average P/OCF is 2.93. The thresholds are as follows: Strongly Undervalued below -5.53, Undervalued between -5.53 and -1.30, Fairly Valued between 7.16 and -1.30, Overvalued between 7.16 and 11.39, and Strongly Overvalued above 11.39. The current Forward P/OCF of 12.89 falls within the Strongly Overvalued range.
15.06
P/FCF
Citizens Inc. (CIA) has a current P/FCF of 15.06. The 5-year average P/FCF is 3.29. The thresholds are as follows: Strongly Undervalued below -6.46, Undervalued between -6.46 and -1.58, Fairly Valued between 8.16 and -1.58, Overvalued between 8.16 and 13.03, and Strongly Overvalued above 13.03. The current Forward P/FCF of 15.06 falls within the Strongly Overvalued range.
Citizens Inc (CIA) has a current Price-to-Book (P/B) ratio of 1.18. Compared to its 3-year average P/B ratio of 0.72 , the current P/B ratio is approximately 64.05% higher. Relative to its 5-year average P/B ratio of 0.49, the current P/B ratio is about 140.19% higher. Citizens Inc (CIA) has a Forward Free Cash Flow (FCF) yield of approximately 0.00%. Compared to its 3-year average FCF yield of 21.51%, the current FCF yield is approximately -100.00% lower. Relative to its 5-year average FCF yield of 20.80% , the current FCF yield is about -100.00% lower.
1.19
P/B
Median3y
0.72
Median5y
0.49
7.23
FCF Yield
Median3y
21.51
Median5y
20.80
Competitors Valuation Multiple
The average P/S ratio for CIA's competitors is , providing a benchmark for relative valuation. Citizens Inc Corp (CIA) exhibits a P/S ratio of , which is NaN% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.
P/S
P/E
EV/EBITDA
EV/EBIT
P/S
Revenue Growth
Market Cap
Performance Decomposition
1Y
3Y
5Y
Market capitalization of CIA increased by 33.17% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 17.38 to 25.42.
The secondary factor is the Revenue Growth, contributed 1.74%to the performance.
Overall, the performance of CIA in the past 1 year is driven by P/E Change. Which is more unsustainable.
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FAQ
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