Citizens Share Price (NYSE: CIA)

$5.28

▲

-0.11

(-2.04%)

Last updated on August 30, 2025 at 1:29 am IST

$₹

Check the interactive Citizens Stock chart to analyse performance

Citizens stock performance

as on August 30, 2025 at 1:29 am IST

Today's Low:$5.26
Today's High:$5.31
$5.28
0.38%
Downside
Day's Volatility :0.94%
Upside
0.56%
52 Weeks Low:$2.71
52 Weeks High:$5.95
$5.28
48.67%
Downside
52 Weeks Volatility :54.42%
Upside
11.19%

Citizens Stock Returns

Period	Citizens Inc	Sector (Financials)	Index (Russel 2000)
3 Months	47.08%	5.9%	0.0%
6 Months	6.45%	3.5%	0.0%
1 Year	73.68%	18.0%	0.0%
3 Years	40.05%	63.4%	-4.1%

Citizens Inc Key Stats

Check Citizens key stats like market cap, P/E ratio, EPS, Dividend Yield, and more.

Previous Close	$5.39
Open	$5.3
Today's High	$5.31
Today's Low	$5.26
Market Capitalization	$265.8M
Today's Volume	$109.2K
52 Week High	$5.945
52 Week Low	$2.71
Revenue TTM	$245.9M
EBITDA	$12.6M
Earnings Per Share (EPS)	$0.22
PE Ratio	24.05
Profit Margin	4.57%
Quarterly Earnings Growth YOY	0.62%
Return On Equity TTM	5.35%

Stock Returns calculator for Citizens Stock including INR - Dollar returns

The Citizens stock calculator helps Indian investors calculate returns based on the historical performance of the stock. Just choose your investment amount and duration to get insights and invest more confidently. See stock returns as well as the effect of dollar appreciation over different durations.

*Dollar Return is the profit earned when the US dollar rises in value compared to the Indian rupee.

Investment Value

₹1,00,000

Citizens investment value today

Current value as on today

₹1,78,968

Returns

₹78,968

(+78.97%)

Returns from Citizens Stock

₹73,684 (+73.68%)

Dollar Returns*

₹5,284 (+5.28%)

Indian investors sentiment towards Citizens Stock

60%

Period: Jul 31, 2025 to Aug 30, 2025. Change in 30 Days versus previous period

Search interest for Citizens Stock from India on INDmoney has increased by 60% in the last 30 days, reflecting an upward trend in search activity.

Global Institutional Holdings in Citizens Inc

Name
Holdings %
Name
Holdings %
Vanguard Group Inc
4.82%
BlackRock Inc
1.88%
Susquehanna International Group, LLP
1.67%
UBS Group AG
1.59%
Millennium Management LLC
1.52%
Truffle Hound Capital, LLC
1.39%

Analyst Recommendation on Citizens Stock

Rating

Trend

Citizens Share Price Target

What analysts predicted

Downside of 5.3%

Target:

$5.00

Current:

$5.28

Citizens share price target is $5.00, a slight Downside of 5.3% compared to current price of $5.28 as per analysts' prediction.

Citizens Stock Insights

Price Movement
In the last 1 month, CIA stock has moved up by 38.2%
Increasing Revenue
Revenue is up for the last 2 quarters, 55.65M → 65.08M (in $), with an average increase of 14.5% per quarter
Increasing Net Profit
Netprofit is up for the last 2 quarters, -1.62M → 6.45M (in $), with an average increase of 125.1% per quarter
CIA vs UNM (3 yr)
In the last 3 years, Unum Group has given 84.6% return, outperforming this stock by 45.3%

Citizens Inc Financials

Revenue

Profit

Cash Flow

Annually

Quarterly

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Revenue	$250.5M	↑ 2.68%
Net Income	$-1.4M	↓ 87.62%
Net Profit Margin	-0.55%	↑ 3.98%

	FY20	Y/Y Change
Revenue	$238.9M	↓ 4.67%
Net Income	$-11.0M	↑ 702.04%
Net Profit Margin	-4.6%	↓ 4.05%

	FY21	Y/Y Change
Revenue	$250.5M	↑ 4.89%
Net Income	$-50.2M	↑ 356.53%
Net Profit Margin	-20.02%	↓ 15.42%

	FY22	Y/Y Change
Revenue	$232.5M	↓ 7.19%
Net Income	$-7.5M	↓ 85.06%
Net Profit Margin	-3.22%	↑ 16.8%

	FY23	Y/Y Change
Revenue	$240.7M	↑ 3.51%
Net Income	$24.4M	↓ 426.0%
Net Profit Margin	10.15%	↑ 13.37%

	FY24	Y/Y Change
Revenue	$245.0M	↑ 1.8%
Net Income	$14.9M	↓ 38.98%
Net Profit Margin	6.09%	↓ 4.06%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Revenue	$57.7M	↓ 13.67%
Net Income	$4.5M	↓ 57.71%
Net Profit Margin	7.87%	↓ 8.2%

	Q2 FY24	Q/Q Change
Revenue	$62.1M	↑ 7.58%
Net Income	$4.0M	↓ 12.84%
Net Profit Margin	6.38%	↓ 1.49%

	Q3 FY24	Q/Q Change
Revenue	$61.7M	↓ 0.57%
Net Income	$2.8M	↓ 29.53%
Net Profit Margin	4.52%	↓ 1.86%

	Q4 FY24	Q/Q Change
Revenue	$63.5M	↑ 2.82%
Net Income	$3.6M	↑ 29.78%
Net Profit Margin	5.7%	↑ 1.18%

	Q1 FY25	Q/Q Change
Revenue	$55.7M	↓ 12.32%
Net Income	$-1.6M	↓ 144.82%
Net Profit Margin	-2.92%	↓ 8.62%

	Q2 FY25	Q/Q Change
Revenue	$65.1M	↑ 16.95%
Net Income	$6.5M	↓ 497.97%
Net Profit Margin	9.92%	↑ 12.84%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Profit	$250.5M	↑ 2.68%

	FY20	Y/Y Change
Profit	$238.9M	↓ 4.67%

	FY21	Y/Y Change
Profit	$250.5M	↑ 4.89%

	FY22	Y/Y Change
Profit	$232.5M	↓ 7.19%

	FY23	Y/Y Change
Profit	$240.7M	↑ 3.51%

	FY24	Y/Y Change
Profit	$245.0M	↑ 1.8%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

	Q1 FY24	Q/Q Change
Profit	$57.7M	↓ 13.67%

	Q2 FY24	Q/Q Change
Profit	$62.1M	↑ 7.58%

	Q3 FY24	Q/Q Change
Profit	$29.4M	↓ 52.63%

	Q4 FY24	Q/Q Change
Profit	$31.0M	↑ 5.4%

	Q1 FY25	Q/Q Change
Profit	$18.1M	↓ 41.68%

FY19

FY20

FY21

FY22

FY23

FY24

	FY19	Y/Y Change
Operating Cash Flow	$72.2M	↓ 14.65%
Investing Cash Flow	$-69.3M	↓ 18.55%
Financing Cash Flow	$-2.2M	↑ 3632.76%

	FY20	Y/Y Change
Operating Cash Flow	$48.8M	↓ 32.38%
Investing Cash Flow	$-61.8M	↓ 10.86%
Financing Cash Flow	$904.0K	↓ 141.76%

	FY21	Y/Y Change
Operating Cash Flow	$40.5M	↓ 17.16%
Investing Cash Flow	$-41.1M	↓ 33.55%
Financing Cash Flow	$-6.2M	↓ 787.5%

	FY22	Y/Y Change
Operating Cash Flow	$56.9M	↑ 40.7%
Investing Cash Flow	$-60.7M	↑ 47.87%
Financing Cash Flow	$-499.0K	↓ 91.97%

	FY23	Y/Y Change
Operating Cash Flow	$22.1M	↓ 61.25%
Investing Cash Flow	$-14.5M	↓ 76.14%
Financing Cash Flow	$-3.5M	↑ 608.62%

	FY24	Y/Y Change
Operating Cash Flow	$31.9M	↑ 44.71%
Investing Cash Flow	$-27.2M	↑ 87.45%
Financing Cash Flow	$-2.5M	↓ 30.12%

Q1 FY24

Q2 FY24

Q3 FY24

Q4 FY24

Q1 FY25

Q2 FY25

	Q1 FY24	Q/Q Change
Operating Cash Flow	$6.8M	↑ 2.66%
Investing Cash Flow	$-9.5M	↓ 338.14%
Financing Cash Flow	$-1.1M	↑ 187.2%

	Q2 FY24	Q/Q Change
Operating Cash Flow	$4.6M	↓ 32.41%
Investing Cash Flow	$-735.0K	↓ 92.24%
Financing Cash Flow	$-751.0K	↓ 30.27%

	Q3 FY24	Q/Q Change
Operating Cash Flow	$9.7M	↑ 111.77%
Investing Cash Flow	$-3.1M	↑ 326.26%
Financing Cash Flow	$-545.0K	↓ 27.43%

	Q4 FY24	Q/Q Change
Operating Cash Flow	$10.8M	↑ 11.42%
Investing Cash Flow	$-13.8M	↑ 341.72%
Financing Cash Flow	$-98.0K	↓ 82.02%

	Q1 FY25	Q/Q Change
Operating Cash Flow	$748.0K	↓ 93.09%
Investing Cash Flow	$-11.4M	↓ 17.39%
Financing Cash Flow	$-231.0K	↑ 135.71%

	Q2 FY25	Q/Q Change
Operating Cash Flow	$3.5M	↑ 363.9%
Investing Cash Flow	$4.8M	↓ 141.97%
Financing Cash Flow	$-4.0M	↑ 1610.82%

Citizens Technicals Summary

Sell

Neutral

Buy

Citizens is currently in a neutral trading position according to technical analysis indicators.

Citizens Inc Vs Peers

Returns

Ratio's

Overview

Company Name	1 Month	6 Month	1 Year	3 Years	5 Years
Citizens Inc	38.22%	6.45%	73.68%	40.05%	-11.56%
Metlife, Inc.	7.15%	-5.04%	4.66%	25.51%	111.38%
Manulife Financial Corporation	-0.65%	0.46%	12.14%	80.94%	106.58%
Aflac Inc.	7.58%	-2.95%	-2.0%	79.59%	191.25%
Unum Group	-2.72%	-14.17%	26.9%	84.28%	276.81%
Prudential Financial, Inc.	5.88%	-3.36%	-9.14%	15.48%	61.28%

Company Name	P/E Ratio	P/B Ratio	PEG Ratio	EPS	ROE	ROA	Div Yield	BVPS
Citizens Inc	24.05	24.05	0.0	0.25	0.05	0.0	NA	4.56
Metlife, Inc.	13.72	13.72	0.94	8.64	0.16	0.01	0.03	41.52
Manulife Financial Corporation	13.69	13.69	1.06	4.01	0.12	0.01	0.06	27.81
Aflac Inc.	24.12	24.12	0.93	6.85	0.09	0.02	0.02	50.86
Unum Group	8.38	8.38	2.5	8.5	0.14	0.02	0.02	65.76
Prudential Financial, Inc.	24.15	24.15	0.65	13.73	0.06	0.0	0.05	86.9

Company Name	Analyst View	Market Cap	5 Years Return %	PE Ratio	Profit Margin
Citizens Inc	NA	$265.8M	-11.56%	24.05	4.57%
Metlife, Inc.	Buy	$53.7B	111.38%	13.72	5.87%
Manulife Financial Corporation	Buy	$52.1B	106.58%	13.69	19.36%
Aflac Inc.	Hold	$57.2B	191.25%	24.12	15.32%
Unum Group	Buy	$11.9B	276.81%	8.38	11.77%
Prudential Financial, Inc.	Hold	$38.6B	61.28%	24.15	2.76%

About Citizens Inc

Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Organization	Citizens
Employees	247
CEO	Mr. Jon Scott Stenberg
Industry	Finance

Key Management of Citizens Inc

Name	Title
Mr. Jon Scott Stenberg	President & CEO
Mr. Jeffery Paul Conklin	CFO, Chief Investment Officer & Treasurer
Ms. Sheryl L. Kinlaw J.D.	Chief Legal Officer & Secretary
Mr. Bryon Matthew Lewis	Chief Operating Officer
Ms. Paula Guerrero	Chief Information Officer
Mr. David Scott Jorgensen CPA	General Manager for International Operations of CICA Life Insurance Company of America
Mr. Harvey J. L. Waite	Chief Actuary

Important FAQs about investing in CIA Stock from India :

What is Citizens share price today?

Citizens share price today is $5.28 as on August 30, 2025 at 1:29 am IST at the close of the market. Citizens share today touched a day high of $5.31 and a low of $5.26.

What is the 52 week high and 52 week low for Citizens share?

Citizens share touched a 52 week high of $5.95 and a 52 week low of $2.71. Citizens stock price today i.e. August 30, 2025 at 1:29 am IST is closed at $5.28, lower by 11.19% versus the 52 week high.

How to invest in Citizens Stock (CIA) from India?

Step 1: Open a free US stocks account on INDmoney App and transfer your Rupees into Dollars to your INDmoney US stocks account. For a step by step instruction, check How to Transfer Money to Your US Stocks Account .
Step 2: Search for Citizens on INDmoney app. Click on Buy button. You can invest as low as $1.5 in Citizens Shares that will get you 0.2841 shares as per Citizens share price of $5.28 per share as on August 30, 2025 at 1:29 am IST.

What is the minimum amount required to buy Citizens Stock (CIA) from India?

Indian investors can start investing in Citizens (CIA) shares with as little as ₹88.286 or $1 (as of August 31, 2025) using the INDmoney app.
For example: If you want to invest $10 or ₹882.86 in Citizens stock (as per the Rupee-Dollar exchange rate as on August 31, 2025). Based on Citizens share’s latest price of $5.28 as on August 30, 2025 at 1:29 am IST, you will get 1.8939 shares of Citizens. Learn more about fractional shares .

What are the returns that Citizens has given to Indian investors in the last 5 years?

Citizens stock has given -11.56% share price returns and 20.51% dollar appreciation to an Indian investor in the last 5 years.
Read more about How do Currency Exchange Rates impact your returns on US Stock Investments?