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.

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

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 Financials

Citizens's revenue was reported to be $245.4 m in FY, 2016

Revenue (Q3, 2017)

64.3 m

Net income (Q3, 2017)

3.4 m

Market capitalization (16-Feb-2018)

357.8 m

Cash (30-Sep-2017)

45 m
Citizens's current market capitalization is $357.8 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, 2017


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 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 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 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 m
USDFY, 2015FY, 2016


82.8 m35.5 m


1.2 b


6.3 m7.9 m


17.3 m17.3 m
USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017


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


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


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


17.3 m17.3 m17.3 m17.3 m17.3 m17.3 m17.3 m17.3 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

    Cash From Operating Activities

    87.2 m102.3 m

    Purchases of PP&E

    (590 k)(2.2 m)
    USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q3, 2017

    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 m

    Depreciation and Amortization

    386 k571 k324 k405 k600 k236 k504 k

    Cash From Operating Activities

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

    Purchases of PP&E

    (123 k)(240 k)(266 k)(527 k)(978 k)(433 k)(952 k)
      USDY, 2017


      193.2 k

      Financial Leverage

      6.2 x
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      Citizens Operating Metrics

      FY, 2014FY, 2015FY, 2016


      Show all operating metrics

      Citizens Market Value History

      Citizens Revenue Breakdown

      Citizens's Web-traffic and Trends

      Citizens News and Updates

      American Greetings LBO backed by $370 million term loan: Reuters

      US greeting card and stationer American Greetings’ leveraged buyout by private firm Clayton, Dubilier & Rice (CD&R) will be backed by a roughly $370 million institutional term loan, sources told Reuters.

      CD&R to buy majority stake in American Greetings

      Clayton, Dubilier & Rice has agreed to acquire a 60 percent ownership stake in American Greetings, a maker and distributor of greeting cards. No financial terms were disclosed.

      Scaling Digital Transformation in Government for Impact

      Digital transformations in government are not easy or automatic — they are a journey. Still, tools and methods are available to accelerate strategic planning and execution, while providing a means to improve user experiences and maximize resources. The post Scaling Digital Transformation in Governme…

      The methods Republicans are using to discredit Mueller and the FBI

      The Clinton White House did it with great success when it was being investigated by Ken Starr. The Nixon White House did it with mixed…

      Watchdog calls for a UK broadband customer advocate

      Slow broadband and poor connections are disrupting the lives of UK consumers.

      DAS supports CBRS and LAA

      Advanced RF Technologies says it is the first distributed antenna systems provider to launch support for the 3.5 GHz and 5 GHz spectrum bands. This week the California company said its DAS now supports both Citizens Broadband Radio Service and License-Assisted Access. Read more of this story by scro…
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      Citizens Company Life and Culture

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