Citizens, Inc. carries no debt; cash flow comfortably covers obligations.

Citizens, Inc.'s free cash flow has decreased 43.88% from $31.25M last year to $17.54M, signaling decreasing performance

Citizens, Inc.'s debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

Citizens, Inc.'s debt has decreased relative to shareholder equity from 0.04 last year to 0.00 today, signaling strengthened financials

Citizens, Inc. has a net cash position, so leverage is healthy.

Citizens, Inc. carries no debt; interest obligations are fully covered.

Citizens, Inc.'s profit margin has decreased (24.84%) in the last year from 6.09% to 4.57%, signaling decreasing performance

Citizens, Inc.'s short-term assets of $92.42M exceed its short-term liabilities of $48.01M

Citizens, Inc.'s return on assets of 0.66% is lower than the 5.00% threshold, indicating inefficient asset utilization

Citizens, Inc.'s return on equity of 4.96%, is lower than 15.00%, indicating bad performance

Citizens, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Citizens, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Citizens, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Citizens, Inc. has a free cash flow yield of 9.03%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Citizens, Inc.'s yearly earnings has decreased 2.15% since last year from $14.91M to $14.59M, signaling decreasing performance

Citizens, Inc.'s yearly revenue has increased 4.33% since last year from $245.00M to $255.62M, signaling increasing performance

ROIC 0.68% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Citizens, Inc.'s 3-year revenue CAGR of 3.21% is positive, indicating growing revenue over the past 3 years

Citizens, Inc. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Citizens, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Citizens, Inc. is overvalued relative to its fair value price of 1.73 based on Discounted Cash Flow model

Citizens, Inc. has an earnings yield of 6.03%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Citizens, Inc. is overvalued relative to its fair value price of 2.50 based on EBITDA multiple model

Citizens, Inc. has an EV/EBITDA ratio of 7.93x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Citizens, Inc. is undervalued relative to its fair value price of 6.57 based on Earnings Fair Value model

Citizens, Inc. had non-positive diluted EPS five years ago; the PEG ratio is not meaningful and the check fails.

Citizens, Inc. has a price-to-book ratio of 0.82x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Citizens, Inc. has a price-to-sales ratio of 0.76x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue