CIA Valuation

Citizens Inc

Add to Watchlist

Advanced Chart

5.570

+0.14(2.578%)1D

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 19.89 is considered Fairly compared with the five-year average of 13.10. The fair price of Citizens Inc (CIA) is between 2.89 to 6.76 according to relative valuation methord.

Relative Value

Fair Zone

2.89-6.76

Current Price：5.57

Fair

19.89

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.

5.57

Citizens Inc. (CIA) has a current PS of 5.57. The 5-year average PS is 0.69. The thresholds are as follows: Strongly Undervalued below -0.32, Undervalued between -0.32 and 0.18, Fairly Valued between 1.19 and 0.18, Overvalued between 1.19 and 1.69, and Strongly Overvalued above 1.69. The current Forward PS of 5.57 falls within the Strongly Overvalued range.

13.16

P/OCF

Citizens Inc. (CIA) has a current P/OCF of 13.16. The 5-year average P/OCF is 2.53. The thresholds are as follows: Strongly Undervalued below -5.05, Undervalued between -5.05 and -1.26, Fairly Valued between 6.32 and -1.26, Overvalued between 6.32 and 10.10, and Strongly Overvalued above 10.10. The current Forward P/OCF of 13.16 falls within the Strongly Overvalued range.

15.66

P/FCF

Citizens Inc. (CIA) has a current P/FCF of 15.66. The 5-year average P/FCF is 2.82. The thresholds are as follows: Strongly Undervalued below -5.85, Undervalued between -5.85 and -1.52, Fairly Valued between 7.16 and -1.52, Overvalued between 7.16 and 11.50, and Strongly Overvalued above 11.50. The current Forward P/FCF of 15.66 falls within the Strongly Overvalued range.

Citizens Inc (CIA) has a current Price-to-Book (P/B) ratio of 1.22. Compared to its 3-year average P/B ratio of 0.39 , the current P/B ratio is approximately 216.77% higher. Relative to its 5-year average P/B ratio of 0.49, the current P/B ratio is about 150.50% higher. Citizens Inc (CIA) has a Forward Free Cash Flow (FCF) yield of approximately 8.58%. Compared to its 3-year average FCF yield of 22.54%, the current FCF yield is approximately -61.95% lower. Relative to its 5-year average FCF yield of 21.02% , the current FCF yield is about -59.19% lower.

1.22

P/B

Median3y

0.39

Median5y

0.49

8.58

FCF Yield

Median3y

22.54

Median5y

21.02

Competitors Valuation Multiple

The average P/S ratio for CIA's competitors is 32.74, providing a benchmark for relative valuation. Citizens Inc Corp (CIA) exhibits a P/S ratio of 5.57, which is -82.99% above the industry average. Given its robust revenue growth of 4.84%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Clover Health Investments Corp

Brighthouse Financial Inc

Privia Health Group Inc

Jackson Financial Inc

100.81

-132.85%

7.02B

Performance Decomposition

Market capitalization of CIA increased by 24.33% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 6.38 to 9.92.

The secondary factor is the Revenue Growth, contributed 4.84%to the performance.

Overall, the performance of CIA in the past 1 year is driven by Margin Expansion. Which is more sustainable.

4.84%

62.08M → 65.09M

Revenue Growth

55.49%

6.38 → 9.92

Margin Expansion

-36.00%

39.57 → 25.33

P/E Change

24.33%