CIA PE Ratio & Valuation,Is CIA Overvalued

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 18.54 is considered Fairly compared with the five-year average of 12.99. The fair price of Citizens Inc (CIA) is between 2.72 to 6.57 according to relative valuation methord.

Relative Value

Fair Zone

2.72-6.57

Current Price：5.26

Fair

18.54

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.

1.01

Citizens Inc. (CIA) has a current PS of 1.01. The 5-year average PS is 0.67. The thresholds are as follows: Strongly Undervalued below -0.12, Undervalued between -0.12 and 0.27, Fairly Valued between 1.07 and 0.27, Overvalued between 1.07 and 1.46, and Strongly Overvalued above 1.46. The current Forward PS of 1.01 falls within the Historic Trend Line -Fairly Valued range.

12.55

P/OCF

Citizens Inc. (CIA) has a current P/OCF of 12.55. The 5-year average P/OCF is 2.99. The thresholds are as follows: Strongly Undervalued below -5.57, Undervalued between -5.57 and -1.29, Fairly Valued between 7.27 and -1.29, Overvalued between 7.27 and 11.55, and Strongly Overvalued above 11.55. The current Forward P/OCF of 12.55 falls within the Strongly Overvalued range.

14.66

P/FCF

Citizens Inc. (CIA) has a current P/FCF of 14.66. The 5-year average P/FCF is 3.37. The thresholds are as follows: Strongly Undervalued below -6.50, Undervalued between -6.50 and -1.57, Fairly Valued between 8.30 and -1.57, Overvalued between 8.30 and 13.24, and Strongly Overvalued above 13.24. The current Forward P/FCF of 14.66 falls within the Strongly Overvalued range.

Citizens Inc (CIA) has a current Price-to-Book (P/B) ratio of 1.16. Compared to its 3-year average P/B ratio of 0.83 , the current P/B ratio is approximately 39.79% higher. Relative to its 5-year average P/B ratio of 0.49, the current P/B ratio is about 135.10% higher. Citizens Inc (CIA) has a Forward Free Cash Flow (FCF) yield of approximately 7.43%. Compared to its 3-year average FCF yield of 21.14%, the current FCF yield is approximately -64.87% lower. Relative to its 5-year average FCF yield of 20.74% , the current FCF yield is about -64.19% lower.

1.16

P/B

Median3y

0.83

Median5y

0.49

7.43

FCF Yield

Median3y

21.14

Median5y

20.74

Competitors Valuation Multiple

The average P/S ratio for CIA's competitors is 0.86, providing a benchmark for relative valuation. Citizens Inc Corp (CIA) exhibits a P/S ratio of 1.01, which is 17.02% above the industry average. Given its robust revenue growth of 1.74%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

Revenue Growth

Market Cap

Performance Decomposition

Market capitalization of CIA increased by 28.68% over the past 1 year. The primary factor behind the change was an increase in P/E Change from 17.43 to 24.71.

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.

1.74%

61.73M → 62.81M

Revenue Growth

-14.82%

4.52 → 3.85

Margin Expansion

41.76%

17.43 → 24.71

P/E Change

28.68%

4.01 → 5.16

Mkt Cap Growth

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Frequently Asked Questions

Is Citizens Inc (CIA) currently overvalued or undervalued?

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 2.72 to 6.57 according to relative valuation methord.

How does CIA's valuation metrics compare to the industry average?

What is the current P/B ratio for Citizens Inc (CIA) as of Dec 15 2025?

As of Dec 15 2025, Citizens Inc (CIA) has a P/B ratio of 1.16. This indicates that the market values CIA at 1.16 times its book value.

What is the current FCF Yield for Citizens Inc (CIA) as of Dec 15 2025?

As of Dec 15 2025, Citizens Inc (CIA) has a FCF Yield of 7.43%. This means that for every dollar of Citizens Inc’s market capitalization, the company generates 7.43 cents in free cash flow.

What is the current Forward P/E ratio for Citizens Inc (CIA) as of Dec 15 2025?

As of Dec 15 2025, Citizens Inc (CIA) has a Forward P/E ratio of 18.54. This means the market is willing to pay $18.54 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 Dec 15 2025?

As of Dec 15 2025, Citizens Inc (CIA) has a Forward P/S ratio of 1.01. This means the market is valuing CIA at $1.01 for every dollar of expected revenue over the next 12 months.

CIA Valuation