Citizens share price logo

Citizens

NASDAQ: CIA

$3.83

-0.14

(-3.53%)

as on

Citizens Stock Performance

as on August 18, 2026 at 6:59 am IST

  • Day's Low

    Day's High

    $3.78
    $4.03
    downward going graph

    1.31%

    Downside

    5.22%

    Upside

    downward going graph
  • 52 Week's Low

    52 Week's High

    $3.56
    $6.54
    downward going graph

    7.05%

    Downside

    70.76%

    Upside

    downward going graph

Citizens share price movements today

Previous Close
$3.97
Open
$3.97
Volume
340.5K
Market Cap
$201.1M
Day's Low - High
$3.78 - $4.03
52 Week Low - High
$3.56 - $6.54

Citizens Historical Returns

1 Month Return
-26.07 %
3 Month Return
-23.95 %
1 Year Return
-22.16 %
3 Year Return
+ 32.33 %
5 Year Return
-30.59 %

Citizens Stock Fundamentals & Key Indicators

Check Citizens market cap, PE, PB, PEG ratios, dividend yield, and other key fundamental indicators.

Market Cap

$201.1M

EPS (TTM)

0.12

Dividend Yield

0.00%

PE Ratio (TTM)

18.05

Industry PE ratio

13.156666666666666

PEG Ratio

1.2074

Return On Equity TTM

5.00%

Citizens Stock Valuation

Track how Citizens P/E has moved over time to understand its valuation trends.

Citizens in the last 5 years

  • Overview

  • Trends

Lowest (-20.67x)

December 31, 2022

Industry (13.16x)

August 17, 2026

Today (18.05x)

August 17, 2026

Highest (24.68x)

June 30, 2026

LowHigh

Today’s Price to Earnings Ratio: 18.05x

Citizens vs Peer Comparison

Compare market cap, revenue, PE, and other key metrics of Citizens with its industry peers.

Company
Analyst View
Market Cap
5 Years Return %PE RatioProfit Margin %Dividend Yield %
NA$201.1M-30.59%18.054.55%NA
BUY$73.9B124.89%16.7820.31%304.28000000000003%
HOLD$60.9B112.66%12.9953.91%1.97%
BUY$62.1B58.87%18.5725.55%2.3800000000000003%
HOLD$43.2B17.45%11.1930.76%4.41%

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 Impact: The bonus return you make when the US Dollar rises against the Rupee; calculated on the full amount you walk away with, not just what you invested in.

Investment Value

₹1,00,000

  • 1Y

  • 3Y

  • 5Y

  • 7Y

  • 10Y

Citizens investment value today

Current value as on today

₹82,221

Returns

-₹17,779

(-17.78%)

Returns from Citizens Stock

-₹24,902 (-24.9%)

Dollar Impact

₹7,123 (+7.12%)

Indian Investors' Interest in Citizens Stock

Search interest for Citizens Stock has decreased by -48% in the last 30 days, reflecting a downward trend in search activity.

Time period: to

Change:-48% versus previous 30 day period

Citizens Quarterly Profit & Loss

All numbers in Millions USD

Mar 2024
Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Total Revenue
57
62
61
63
55
65
62
72
58
60
Gross Profit
17
33
29
30
18
33
19
20
18
26
Operating Income
4
3
3
3
-1
6
4
7
2
0
EBITDA
5
3
3
3
-1
7
4
7
2
0
Interest Expense
-
-
-
-
-
-
-
-
-
-
Depreciation
0
0
0
0
0
0
0
0
0
0
Income Before Tax
4
3
3
3
-1
6
4
7
2
0
Income Tax Expense
0
0
0
0
0
0
2
0
0
0
Net Income
4
3
2
3
-1
6
2
7
2
0
Net Profit Margin
7.87%
6.38%
4.52%
5.70%
-2.92%
9.92%
3.85%
10.18%
3.90%
-0.70%

Citizens Annual Profit & Loss

All numbers in Millions USD

Dec 2016
Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Total Revenue
245
252
244
250
238
250
232
240
245
255
Gross Profit
47
49
55
60
46
128
114
240
121
90
Operating Income
5
-2
2
5
-12
30
27
193
14
17
EBITDA
8
-1
3
7
-10
31
27
27
15
18
Interest Expense
-
-
-
-
-
-
0
-
-
-
Depreciation
-
3
3
1
1
1
0
0
0
0
Income Before Tax
5
-2
2
5
-12
30
27
26
14
17
Income Tax Expense
3
35
13
7
-1
-42
1
1
0
2
Net Income
1
-38
-11
-1
-10
72
26
24
14
14
Net Profit Margin
0.80%
-15.09%
-4.53%
-0.55%
-4.60%
29.02%
11.18%
10.15%
6.09%
5.71%

Citizens Quarterly Cash Flow

All numbers in Millions USD

Jun 2024
Sep 2024
Dec 2024
Mar 2025
Jun 2025
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Net Income
3
2
3
-1
6
2
7
2
0
Operating Cash Flow
4
9
10
0
3
4
9
0
2
Investing Cash Flow
0
-3
-13
-11
4
-4
-8
-3
-3
Financing Cash Flow
0
0
0
0
-3
0
0
0
0
Change in Cash
3
6
-3
-10
4
0
0
-4
-1

Citizens Annual Cash Flow

All numbers in Millions USD

Dec 2017
Dec 2018
Dec 2019
Dec 2020
Dec 2021
Dec 2022
Dec 2023
Dec 2024
Dec 2025
Net Income
-38
-11
-1
-10
72
-6
24
14
14
Operating Cash Flow
93
84
72
48
40
56
22
31
17
Investing Cash Flow
-85
-85
-69
-61
-41
-60
-14
-27
-19
Financing Cash Flow
2
0
-2
0
-6
0
-3
-2
-4
Change in Cash
10
0
0
-12
-6
-4
4
2
-6

Mutual Funds that own Citizens Stock

Check out the Mutual Funds with significant holdings in Citizens.

Funds
Holdings
Shares Held
VANGUARD INDEX FUNDS
3.778105%
1913350
First Eagle Funds
1.015162%
514110
Fidelity Salem Street Trust
0.994042%
503414
Fidelity Concord Street Trust
0.758456%
384106
Bridgeway Funds, Inc.
0.650297%
329331

Global Institutional Holdings in Citizens

Funds
Holdings
Vanguard
4.44%
iShares
3.67%
Jean Marie Eveillard
1.15%
Bridgeway
0.69%
Dimensional
0.35%

Insights on Citizens

Insights help you understand the recent movement of the company's critical parameters, giving you an overall view of the company.

  • imgPOSITIVE IMPACT

    Revenue Rich

    img

    Revenue is up for the last 2 quarters, 58.22M → 60.40M (in $), with an average increase of 3.6% per quarter

  • imgNO EFFECT

    Against Peers

    img

    In the last 1 year, Manulife Financial Corp. has given 46.3% return, outperforming this stock by 68.5%

  • imgNO EFFECT

    Against Peers

    img

    In the last 3 years, Manulife Financial Corp. has given 139.3% return, outperforming this stock by 107.0%

  • imgNEGATIVE IMPACT

    Price Dip

    img

    In the last 1 month, CIA stock has moved down by -26.1%

  • imgNEGATIVE IMPACT

    Profit Down

    img

    Netprofit is down for the last 3 quarters, 7.33M → -425.0K (in $), with an average decrease of 93.9% per quarter

About Citizens

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.
OrganisationCitizens
Headquarters11815 Alterra Parkway, Austin, TX, United States, 78758
IndustryInsurance - Life
CEOMr. Jon Scott Stenberg
E-voting on sharesClick here to vote

Key Management of Citizens

Name

Title

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. Seth Alan Hoxworth

Chief Actuary & Chief Risk Officer

Mr. Jon Scott Stenberg

President CEO & Director

Mr. Jeffery Paul Conklin

CFO, Chief Investment Officer & Treasurer

Ms. Sheryl L. Kinlaw J.D.

Chief Legal Officer & Secretary

FAQs

What is Citizens share price today?

Citizens share price today is $3.83 as on at the close of the market. Citizens share today touched a day high of $4.03 and a low of $3.78.

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

Citizens share touched a 52 week high of $6.54 on and a 52 week low of $3.56 on . Citizens stock price today i.e. is closed at $3.83,which is 41.44% down from its 52 week high and 7.58% up from its 52 week low.

What is Citizens's market capitalisation today?

Citizens market capitalisation is $0.00T as on .

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

  1. 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 .
  2. 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 0.3916 shares as per Citizens share price of $3.83 per share as on August 18, 2026 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 ₹95.592 or $1 (as of ) using the INDmoney app.
For example: If you want to invest $10 or ₹955.92 in Citizens stock (as per the Rupee-Dollar exchange rate as on ). Based on Citizens share’s latest price of $3.83 as on August 18, 2026 at 1:29 am IST, you will get 2.6110 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 -30.59% share price returns and 28.34% 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?