Citizens
Sells U.S. dollar life policies abroad and final-expense coverage in the United States.
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Profile
Issues U.S. dollar-denominated life and endowment products for non-U.S. residents, while its domestic subsidiaries sell final-expense, living-benefit, critical-illness, and burial policies. The business is split between International Insurance and Domestic Insurance and relies on independent agencies, brokers, and local insurance regulation.
Sells life insurance and related products through International Insurance and Domestic Insurance. International Insurance issues U.S. dollar-denominated whole life, endowment, and living-benefit policies to non-U.S. residents through CICA Life, A.I., with distribution centered in Latin America and the Pacific Rim.
Domestic Insurance operates through CICA Life Insurance Company of America, Security Plan Life, and Magnolia Guaranty Life. Its mix centers on final-expense whole life, simplified-issue coverage, critical illness policies, and burial policies serviced through funeral-home channels.
Operating model combines specialized insurance subsidiaries, independent distributors, and a single proprietary policy administration system that has absorbed acquired blocks. The business depends on independent agents and insurance regulation across Colorado, Louisiana, Mississippi, and Puerto Rico-domiciled subsidiaries.
Company facts
Categories
Key statistics
Year to date −22.5% · Average volume (30d) 139.7K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Aug 6, 2026Q2 FY26 | $0.07 | $0.01 | −85.7% | $63.9M | $61.9M | −3.1% | −16.85% |
| May 7, 2026Q1 FY26 | $0.05 | $0.03 | −40.0% | $58.7M | $58.2M | −0.9% | −7.42% |
| Mar 12, 2026Q4 FY25 | $0.08 | $0.11 | +37.5% | $67.9M | $70.2M | +3.4% | −6.53% |
| Nov 6, 2025Q3 FY25 | $0.06 | $0.07 | +16.7% | $67.9M | $62.8M | −7.5% | +5.74% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $55.7M | $65.1M | $62.8M | $72.1M | $58.2M | $60.4M | |
| Gross profit | $18.1M | $33.1M | $19.1M | $20.3M | $18.6M | $26.7M | |
| Operating income | −$1.8M | $6.9M | $4.5M | $7.9M | $2.4M | −$529.0K | |
| Net income | −$1.6M | $6.5M | $2.4M | $7.3M | $2.3M | −$425.0K | |
| Diluted EPS | −$0.03 | $0.13 | $0.05 | $0.15 | $0.04 | −$0.01 | |
| Gross margin | 32.5% | 50.9% | 30.5% | 28.1% | 31.9% | 44.1% | |
| Operating margin | -3.2% | 10.6% | 7.1% | 10.9% | 4.1% | -0.9% |
Fiscal years (4-quarter sums)FY21 $250.5M · FY22 $232.5M · FY23 $240.7M · FY24 $245.0M · FY25 $255.6M
Revenue by product · FY24
Balance sheet, Jun 30, 2026Cash & short-term investments $31.9M · Total debt $0 · Total assets $1.75B · Shareholders' equity $235.2M
Dividends
No dividends on record.
Ownership
Shares outstanding 50.55M · Float 45.12M · 89.3% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 3.27M | 6.46% | 13F | May 13, 2026 |
| Continental General Insurance Co | 2.55M | 5.05% | 13F | May 14, 2026 |
| Vanguard Capital Management LLC | 1.96M | 3.87% | 13F | May 15, 2026 |
| Geode Capital Management, LLC | 1.05M | 2.08% | 13F | May 15, 2026 |
| State Street Corp | 668.5K | 1.32% | 13F | May 15, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 11, 2026 | Seth Alan Hoxworth | officer: Chief Actuary | +5,376 | $3.83 |
| Aug 11, 2026 | Jon Stenberg | director, officer: President & CEO | +12,000 | $3.65 |
| Aug 10, 2026 | Jon Stenberg | director, officer: President & CEO | +50,000 | $3.99 |
| May 21, 2026 | Jon Stenberg | director, officer: President & CEO | +10,000 | $4.82 |
| Mar 25, 2026 | Cynthia H. Davis | director | +100 | $4.53 |
Peers
- Manulife Financial
Cross-border HNW life and savings rival in offshore channels
- Globe Life
U.S. final-expense and basic-protection life rival
- Sun Life Financial
Offshore HNW life rival with Bermuda and Asia reach
- CNO Financial Group
Senior-market life rival via Colonial Penn and Bankers Life
- Corebridge Financial
Simplified-issue final-expense rival through AGL
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Citizens | $3.91 | +1.30% | $194.1M | 16.5 | 18.0 | 0.8 | — |
| Manulife Financial | $42.70 | −0.20% | $71.36B | 16.2 | 13.1 | 1.7 | +22.6% |
| Globe Life | $172.79 | +0.05% | $13.42B | 11.4 | 10.4 | 2.2 | +8.0% |
| Sun Life Financial | $79.09 | +0.39% | $43.64B | 18.6 | 18.4 | 1.5 | +57.7% |
| CNO Financial Group | $57.00 | +2.96% | $5.17B | 19.0 | 11.7 | 1.1 | +11.6% |
| Corebridge Financial | $32.50 | −0.35% | $14.54B | 19.1 | 6.4 | 1.5 | +482.9% |
| Median | 18.6 | 11.7 | 1.5 | +22.6% |