Citizens, Inc. (“Citizens”) is a Colorado domiciled insurance holding company serving the life insurance needs of individuals in the United States since 1969 and internationally since 1975. Citizens operates through its insurance subsidiaries: CICA Life Insurance Company of America (“CICA LIFE”), Citizens National Life Insurance Company (“CNLIC”), Security Plan Life Insurance Company (“SPLIC”) and Security Plan Fire Insurance Company (“SPFIC”).

Citizens pursues a strategy of offering traditional insurance products in niche markets where we believe we are able to achieve competitive advantages.

Austin, US
Size (employees)
333 (est)
Citizens was founded in 1969 and is headquartered in Austin, US
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Citizens Office Locations

Citizens has an office in Austin
Austin, US (HQ)
400 E Anderson Ln
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Citizens Financials and Metrics

Citizens Revenue

Citizens's revenue was reported to be $245.41 m in FY, 2016 which is a 3.9% increase from the previous period.

Revenue (Q1, 2018)

57.4 m

Net income (Q1, 2018)

37 k

Market capitalization (11-Jul-2018)

387.1 m

Closing share price (11-Jul-2018)


Cash (31-Mar-2018)

41.2 m
Citizens's current market capitalization is $387.1 m.
USDFY, 2013FY, 2014FY, 2015FY, 2016


213.6 m230.2 m236.3 m245.4 m

Revenue growth, %


Sales and marketing expense

44.6 m

Operating expense total

44.6 m
USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018


53.6 m53 m56.5 m57.2 m55.9 m60.1 m58.1 m54.5 m61.2 m61.7 m59.6 m60.9 m64.3 m57.4 m

Sales and marketing expense

9.9 m9.9 m10.4 m11.1 m9.9 m10.8 m11.4 m9.5 m10.8 m10.9 m9.9 m9.9 m9 m

Operating expense total

51 m51.3 m55 m54 m55.5 m60.9 m58.3 m56.3 m58.9 m57.5 m58.6 m58.8 m54.9 m

Net Income

1.8 m1.2 m1.2 m2.3 m425 k(1.9 m)103 k(1.9 m)1.3 m2.5 m2.1 m572 k3.4 m37 k
USDFY, 2015FY, 2016


82.8 m35.5 m

Accounts Receivable


1.2 b


6.3 m7.9 m
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018


37.8 m42.8 m45.4 m52.9 m32.3 m41.2 m33.7 m45 m41.2 m


1.1 b1.1 b1.2 b1.2 b1.2 b1.2 b1.3 b1.3 b


6.2 m6.2 m6.3 m6.5 m6.8 m8.1 m8.4 m6.3 m


17.3 m17.3 m17.3 m17.3 m17.3 m17.3 m17.3 m17.3 m12.6 m
USDFY, 2013FY, 2014FY, 2015FY, 2016

Net Income

4.8 m(6.5 m)(3.6 m)2 m

Depreciation and Amortization

779 k806 k


Accounts Payable

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017Q1, 2018

Net Income

1.2 m2.3 m425 k(1.5 m)(1.4 m)(1.9 m)(630 k)1.9 m2.1 m2.6 m3.4 m37 k

Depreciation and Amortization

386 k571 k324 k405 k600 k236 k504 k437 k

Cash From Operating Activities

39.8 m62.7 m21 m43 m69.2 m21.6 m43.4 m68.9 m22 m

Purchases of PP&E

(123 k)(240 k)(266 k)(527 k)(978 k)(433 k)(952 k)(61 k)
USDY, 2018

Financial Leverage

7.9 x
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Citizens Operating Metrics

FY, 2014FY, 2015FY, 2016


20 30 30
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Citizens Revenue Breakdown

Embed Graph

Citizens revenue breakdown by business segment: 24.5% from Home Service, 74.9% from Life Insurance and 0.6% from Other

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Citizens News and Updates

Commerce's Ross selling stock in response to ethics concerns

Commerce Secretary Wilbur Ross says he is selling off all his vast stock holdings after news reports raised questions about the timing of some of his stock transactions and he received a sharp reprimand from the chief federal ethics officer

A Girl And Mother Who May Be US Citizens Are Still Separated More Than A Year After Crossing The Border

The girl is one of dozens of children under the age of 5 who have yet to be reunited with their families despite a federal court order. View Entire Post ›

U.S. Punishes Laos And Myanmar Over Dispute On Deporting Their Citizens

“This administration continues to act like a spoiled child who wants everything."

We Won’t Know Who Paid For Millions Of Dollars In Supreme Court Ads

Neither of the two groups likely to spend the most will reveal their donors before the Senate votes on Brett Kavanaugh.

Watch: The annual Declaration of Independence reading at the Old State House was live from the Old State House for the annual Independence Day reading of the Declaration of Independence.

Two British Citizens Poisoned With Nerve Agent That Struck Down Ex-Russian Spy

The pair were hospitalized after being found unwell a few miles from where an ex-double agent was attacked in March.
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Citizens Company Life and Culture

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