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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.
1969
250
LTM Revenue $248M
Last FY EBITDA n/a
$166M
Benchmark forward-looking revenue and EBITDA valuation multiples across generative AI, climate tech, semiconductors, online marketplaces, vertical SaaS and 220 more verticals.
Citizens has a last 12-month revenue (LTM) of $248M and a last 12-month EBITDA of n/a.
In the most recent fiscal year, Citizens achieved revenue of $245M and an EBITDA of n/a.
Citizens expects next 12-month revenue of XXX and NTM EBITDA of XXX
See Citizens valuation multiples based on analyst estimates| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue | $248M | XXX | $245M | XXX | XXX | XXX |
| Gross Profit | $248M | XXX | n/a | XXX | XXX | XXX |
| Gross Margin | 100% | XXX | n/a | XXX | XXX | XXX |
| EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EBIT Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| Net Profit | $13.3M | XXX | $14.9M | XXX | XXX | XXX |
| Net Margin | 5% | XXX | 6% | XXX | XXX | XXX |
| Net Debt | XXX | XXX | n/a | XXX | XXX | XXX |
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As of May 30, 2025, Citizens's stock price is $4.
Citizens has current market cap of $185M, and EV of $166M.
See Citizens trading valuation data| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $166M | $185M | XXX | XXX | XXX | XXX | $0.26 |
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Start Free TrialAs of May 30, 2025, Citizens has market cap of $185M and EV of $166M.
Citizens's trades at 0.7x EV/Revenue multiple, and n/a EV/EBITDA.
Equity research analysts estimate Citizens's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX
Citizens has a P/E ratio of 13.9x.
See valuation multiples for Citizens and 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Market cap (current) | $185M | XXX | $185M | XXX | XXX | XXX |
| EV (current) | $166M | XXX | $166M | XXX | XXX | XXX |
| EV/Revenue | 0.7x | XXX | 0.7x | XXX | XXX | XXX |
| EV/EBITDA | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/EBIT | n/a | XXX | n/a | XXX | XXX | XXX |
| EV/Gross Profit | 0.7x | XXX | n/a | XXX | XXX | XXX |
| P/E | 13.9x | XXX | 12.4x | XXX | XXX | XXX |
| EV/FCF | 7.1x | XXX | 5.3x | XXX | XXX | XXX |
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Access all public comps and forward-looking valuation multiples like EV/Revenue in 2025, based on equity research analyst estimates.
Start Free TrialCitizens's last 12 month revenue growth is 4%
Citizens's revenue per employee in the last FY averaged $1.0M, while opex per employee averaged n/a for the same period.
Citizens's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
Citizens's rule of X is unknown (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
See operational valuation multiples for Citizens and other 12K+ public comps| LTM | NTM | Last FY | FY 2025 | FY 2026 | FY 2027 | |
|---|---|---|---|---|---|---|
| Revenue Growth | 4% | XXX | 4% | XXX | XXX | XXX |
| EBITDA Margin | n/a | XXX | n/a | XXX | XXX | XXX |
| EBITDA Growth | n/a | XXX | n/a | XXX | XXX | XXX |
| Rule of 40 | n/a | XXX | n/a | XXX | XXX | XXX |
| Bessemer Rule of X | XXX | XXX | n/a | XXX | XXX | XXX |
| Revenue per Employee | XXX | XXX | $1.0M | XXX | XXX | XXX |
| Opex per Employee | XXX | XXX | n/a | XXX | XXX | XXX |
| S&M Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| G&A Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| R&D Expenses to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
| Opex to Revenue | XXX | XXX | n/a | XXX | XXX | XXX |
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Benchmark public comps and private revenue and EBITDA valuation multiples across GRC software, cloud infrastructure, DevOps, online marketplaces and so much more!
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| 2025E | 2026E | 2027E | 2025E | 2026E | 2027E | |
| ADNIC | XXX | XXX | XXX | XXX | XXX | XXX |
| Aegon | XXX | XXX | XXX | XXX | XXX | XXX |
| ASR Nederland | XXX | XXX | XXX | XXX | XXX | XXX |
| NN Group | XXX | XXX | XXX | XXX | XXX | XXX |
| Challenger | 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 acquired XXX companies to date.
Last acquisition by Citizens was XXXXXXXX, XXXXX XXXXX XXXXXX . Citizens acquired XXXXXXXX for XXX (EV/Revenue multiple of XXX ).
See M&A valuation multiples| Acquired Company | EV | EV/Revenue | EV/EBITDA |
|---|---|---|---|
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
| XXXXXXXXX | XXX | XXX | XXX |
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Start Free Trial| When was Citizens founded? | Citizens was founded in 1969. |
| Where is Citizens headquartered? | Citizens is headquartered in United States of America. |
| How many employees does Citizens have? | As of today, Citizens has 250 employees. |
| Who is the CEO of Citizens? | Citizens's CEO is Mr. Jon Stenberg. |
| Is Citizens publicy listed? | Yes, Citizens is a public company listed on NYS. |
| 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? | Similar companies to Citizens include e.g. ADNIC, Aegon, ASR Nederland, NN Group. |
| What is the current market cap of Citizens? | Citizens's current market cap is $185M |
| What is the current revenue of Citizens? | Citizens's last 12 months revenue is $248M. |
| What is the current revenue growth of Citizens? | Citizens revenue growth (NTM/LTM) is 4%. |
| What is the current EV/Revenue multiple of Citizens? | Current revenue multiple of Citizens is 0.7x. |
| Is Citizens profitable? | Yes, Citizens is EBITDA-positive (as of the last 12 months). |
| What is the current FCF of Citizens? | Citizens's last 12 months FCF is $23.3M. |
| What is Citizens's FCF margin? | Citizens's last 12 months FCF margin is 9%. |
| What is the current EV/FCF multiple of Citizens? | Current FCF multiple of Citizens is 7.1x. |
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