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Citizens Valuation Multiples
Discover revenue and EBITDA valuation multiples for Citizens and similar public comparables like Dunav Osiguranje, Aksigorta, Nodak Insurance, Eurohold Bulgaria and more.
Citizens Overview
About Citizens
Citizens Inc is an insurance holding company serving the life insurance needs of individuals in the United States. The company provides insurance benefits to residents in thirty two U.S. states and more than seventy countries through its insurance subsidiaries. The company operates in two business segments namely the Life Insurance segment and the Home Service Insurance segment. The company majority generates revenues from Life Insurance segment. Company operates in USA, Columbia, Taiwan, Venezuela, Ecuador, Argentina, and Others.
Founded
1969
HQ
Employees
250
Website
Sectors
Financials (LTM)
EV
$269M
Citizens Financials
Citizens reported last 12-month revenue of $257M.
In the same LTM period, Citizens generated $15M in net income.
Revenue (LTM)
Citizens P&L
In the most recent fiscal year, Citizens reported revenue of $256M and net income of $15M.
Citizens expects next 12-month revenue of XXX and NTM EBITDA of XXX
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue | $257M | XXX | $256M | XXX | XXX | XXX |
| Net Profit | $15M | XXX | $15M | XXX | XXX | XXX |
| Net Margin | 6% | XXX | 6% | XXX | XXX | XXX |
Financial data powered by Morningstar, Inc.
Citizens Stock Performance
Citizens has current market cap of $291M, and enterprise value of $269M.
Market Cap Evolution
Citizens' stock price is $5.78.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $269M | $291M | 0.0% | XXX | XXX | XXX | $0.29 |
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Start Free TrialCitizens Valuation Multiples
Citizens trades at 1.0x EV/Revenue multiple.
EV / Revenue (LTM)
Citizens Financial Valuation Multiples
As of March 24, 2026, Citizens has market cap of $291M and EV of $269M.
Equity research analysts estimate Citizens' 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Citizens has a P/E ratio of 19.7x.
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $291M | XXX | $291M | XXX | XXX | XXX |
| EV (current) | $269M | XXX | $269M | XXX | XXX | XXX |
| EV/Revenue | 1.0x | XXX | 1.1x | XXX | XXX | XXX |
| P/E | 19.7x | XXX | 19.9x | XXX | XXX | XXX |
| EV/FCF | 16.1x | XXX | 15.3x | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified Citizens Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
Citizens Margins & Growth Rates
Citizens' revenue in the last 12 month grew by 3%.
Citizens' revenue per employee in the last FY averaged $1.0M.
Citizens Operational Valuation Multiples
| LTM | NTM | Last FY | FY 2026 | FY 2027 | FY 2028 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 3% | XXX | 2% | XXX | XXX | XXX |
| Revenue per Employee | — | XXX | $1.0M | XXX | XXX | XXX |
| G&A Expenses to Revenue | — | XXX | 21% | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Citizens Public Comps
See public comps and valuation multiples for other Insurance Carriers comps.
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| LTM | 2026E | 2027E | LTM | 2026E | 2027E | |
| Dunav Osiguranje | XXX | XXX | XXX | XXX | XXX | XXX |
| Aksigorta | XXX | XXX | XXX | XXX | XXX | XXX |
| Nodak Insurance | XXX | XXX | XXX | XXX | XXX | XXX |
| Eurohold Bulgaria | XXX | XXX | XXX | XXX | XXX | XXX |
| MBIA | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
| XXXXXXXX | XXX | XXX | XXX | XXX | XXX | XXX |
Valuation data powered by FactSet, Inc.
Citizens M&A Activity
Citizens acquired XXX companies to date.
Last acquisition by Citizens was on XXXXXXXX, XXXXX. Citizens acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Acquisitions by Citizens
| Acquired Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialCitizens Investment Activity
Citizens invested in XXX companies to date.
Citizens made its latest investment on XXXXXXXX, XXXXX. Citizens invested in XXXXXXXX for XXX (EV/Revenue multiple of XXX).
Latest Investments by Citizens
| Company | Valuation | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXXXXX | XXX | XXX | XXX |
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Start Free TrialAbout Citizens
| When was Citizens founded? | Citizens was founded in 1969. |
| Where is Citizens headquartered? | Citizens is headquartered in United States. |
| How many employees does Citizens have? | As of today, Citizens has over 250 employees. |
| Who is the CEO of Citizens? | Citizens' CEO is Jon Stenberg. |
| Is Citizens publicly listed? | Yes, Citizens is a public company listed on NYSE. |
| What is the stock symbol of Citizens? | Citizens trades under CIA ticker. |
| When did Citizens go public? | Citizens went public in 1988. |
| Who are competitors of Citizens? | Citizens main competitors are Dunav Osiguranje, Aksigorta, Nodak Insurance, Eurohold Bulgaria. |
| What is the current market cap of Citizens? | Citizens' current market cap is $291M. |
| What is the current revenue of Citizens? | Citizens' last 12 months revenue is $257M. |
| What is the current revenue growth of Citizens? | Citizens revenue growth (NTM/LTM) is 3%. |
| What is the current EV/Revenue multiple of Citizens? | Current revenue multiple of Citizens is 1.0x. |
| Is Citizens profitable? | Yes, Citizens is net-income-positive (as of the last 12 months). |
| What is the current net income of Citizens? | Citizens' last 12 months net income is $15M. |
| What is the current FCF of Citizens? | Citizens' last 12 months FCF is $17M. |
| What is Citizens' FCF margin? | Citizens' last 12 months FCF margin is 7%. |
| What is the current EV/FCF multiple of Citizens? | Current FCF multiple of Citizens is 16.1x. |
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