Historical Valuation
Citizens Inc (CIA) is now in the Fair zone, suggesting that its current forward PE ratio of 17.79 is considered Fairly compared with the five-year average of 12.89. The fair price of Citizens Inc (CIA) is between 2.49 to 6.09 according to relative valuation methord.
Relative Value
Fair Zone
2.49-6.09
Current Price：4.77
Fair
P/E
EV/EBITDA
EV/EBIT
P/S
P/OCF
P/FCF
1Y
3Y
5Y
Trailing
Forward
Citizens Inc (CIA) has a current Price-to-Book (P/B) ratio of 1.11. Compared to its 3-year average P/B ratio of 0.95 , the current P/B ratio is approximately 16.96% higher. Relative to its 5-year average P/B ratio of 0.49, the current P/B ratio is about 125.46% higher. Citizens Inc (CIA) has a Forward Free Cash Flow (FCF) yield of approximately 7.69%. Compared to its 3-year average FCF yield of 20.28%, the current FCF yield is approximately -62.06% lower. Relative to its 5-year average FCF yield of 20.64% , the current FCF yield is about -62.72% lower.
P/B
Median3y
0.95
Median5y
0.49
FCF Yield
Median3y
20.28
Median5y
20.64
Competitors Valuation Multiple
AI Analysis for CIA
The average P/S ratio for CIA competitors is 0.84, providing a benchmark for relative valuation. Citizens Inc Corp (CIA.N) exhibits a P/S ratio of 0.97, which is 16.2% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.
Performance Decomposition
AI Analysis for CIA
1Y
3Y
5Y
Market capitalization of CIA increased by 0.00% over the past 1 year. The primary factor behind the change was an decrease in Unknown from 0.00 to 0.00.
The secondary factor is the Unknown, contributed 0.00%to the performance.
Overall, the performance of CIA in the past 1 year is driven by Unknown.
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Frequently Asked Questions
Is CIA currently overvalued or undervalued?
Citizens Inc (CIA) is now in the Fair zone, suggesting that its current forward PE ratio of 17.79 is considered Fairly compared with the five-year average of 12.89. The fair price of Citizens Inc (CIA) is between 2.49 to 6.09 according to relative valuation methord.
What is Citizens Inc (CIA) fair value?
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. The fair price of Citizens Inc (CIA) is between 2.49 to 6.09 according to relative valuation methord.
How does CIA's valuation metrics compare to the industry average?
The average P/S ratio for CIA's competitors is 0.84, providing a benchmark for relative valuation. Citizens Inc Corp (CIA) exhibits a P/S ratio of 0.97, which is 16.20% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.
What is the current P/B ratio for Citizens Inc (CIA) as of Jan 10 2026?
As of Jan 10 2026, Citizens Inc (CIA) has a P/B ratio of 1.11. This indicates that the market values CIA at 1.11 times its book value.
What is the current FCF Yield for Citizens Inc (CIA) as of Jan 10 2026?
As of Jan 10 2026, Citizens Inc (CIA) has a FCF Yield of 7.69%. This means that for every dollar of Citizens Inc’s market capitalization, the company generates 7.69 cents in free cash flow.
What is the current Forward P/E ratio for Citizens Inc (CIA) as of Jan 10 2026?
As of Jan 10 2026, Citizens Inc (CIA) has a Forward P/E ratio of 17.79. This means the market is willing to pay $17.79 for every dollar of Citizens Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Citizens Inc (CIA) as of Jan 10 2026?
As of Jan 10 2026, Citizens Inc (CIA) has a Forward P/S ratio of 0.97. This means the market is valuing CIA at $0.97 for every dollar of expected revenue over the next 12 months.