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 Financials

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

Revenue (Q3, 2017)

64.3 m

Net income (Q3, 2017)

3.4 m

Market capitalization (20-Apr-2018)

380.4 m

Cash (30-Sep-2017)

45 m
Citizens's current market capitalization is $380.4 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

Accounts Receivable


1.2 b


6.3 m7.9 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


Accounts Payable

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


20 30 30
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Citizens News and Updates

When Cities Are As Creative And Collaborative As Startups

The finalists for Cities of Service’s Engaged Cities Award have a lot in common with today’s top companies. Just look at these inventive approaches to local challenges such as transparency and access to healthy food. Many cities are very much like a legacy company—rich in history and earned reputa…

How Wall Street Is Doing An End-Run Around A Federal Anti-Corruption Rule

Florida Governor Rick Scott led a group that raked in cash from financial firms after the state gave them pension deals. This story was co-published with MapLight and Capital & MainRead Full Story

Gabe Kapler gets booed by Philly fans in home opener

Phillies manager Gabe Kapler got booed in the home opener when he pulled Nick Pivetta in the sixth inning with a shutout intact, but the move worked out this time as the Philadelphia bullpen held on for a 5-0 win over the Miami Marlins

US to demand visa applicants turn over social media history

The Trump administration wants to extend its practice of “extreme vetting” to everyone seeking a non-immigrant visa. Instead of specifically discriminating against people traveling from countries it’s declared tied to terrorism, it’ll instead utilize a more evenly distributed form of discrimination …
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