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Market Price

7.02 

-0.04 -0.6%

as of Mar 19 '19

52 Week Range:

6.70 8.80


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Citizens, Inc., through its subsidiaries, provides life insurance products in the United States and internationally. It operates through two segments, Life Insurance and Home Service Insurance. The Life Insurance segment offers ordinary whole life, burial insurance, pre-need policies, and accident and health related policies, as well as credit life insurance and final expense policies to middle and lower income families, and individuals in the Midwest and Southern United States; and whole life and endowment policies to international residents. This segment offers its products through third-party marketing organizations and independent marketing consultants. The Home Service Insurance segment provides pre-need, final expense, and ordinary and industrial life insurance services; and annuities, as well as limited liability property policies to middle and lower income individuals in Louisiana, Mississippi, and Arkansas. This segment markets its products through funeral homes and independent agents, as well as through a home service marketing distribution system. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Equity (BVPS) 3.99
3.83
4.35
4.58
5.09
5.04
4.95
5.33
4.99
5.25
5.28
growth rate -4.0% 13.6% 5.3% 11.1% -1.0% -1.8% 7.7% -6.4% 5.2% 0.6%
Earnings BIT 23.50
-12.60
20.61
19.63
11.17
6.04
6.93
-1.95
-1.94
5.48
1.55
growth rate -100.0% 100.0% -4.8% -43.1% -45.9% 14.7% -100.0% 0.0% 100.0% -71.8%
Avg.PE 30.77
-17.30
21.37
23.87
57.47
121.95
91.74
55.14
55.14
55.14
56.69
growth rate -100.0% 100.0% 11.7% 140.8% 112.2% -24.8% -39.9% 0.0% 0.0% 2.8%
ROA 1.94
-2.25
1.69
1.62
0.81
0.40
0.40
-0.49
-0.25
0.13
-2.36
growth rate -100.0% 100.0% -4.1% -50.0% -50.6% 0.0% -100.0% 0.0% 100.0% -100.0%
ROE 9.22
-10.51
7.65
6.99
3.47
1.75
1.88
-2.58
-1.43
0.80
-16.13
growth rate -100.0% 100.0% -8.6% -50.4% -49.6% 7.4% -100.0% 0.0% 100.0% -100.0%
ROIC 9.22
-10.51
7.65
6.99
3.47
1.75
1.88
-2.58
growth rate -100.0% 100.0% -8.6% -50.4% -49.6% 7.4% -100.0%
Leverage 4.47
4.85
4.29
4.33
4.26
4.47
4.95
5.49
6.12
6.36
7.36
growth rate 8.5% -11.6% 0.9% -1.6% 4.9% 10.7% 10.9% 11.5% 3.9% 15.7%
Balance Sheet Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Acct.Receivable 19.63
20.45
15.60
10.78
11.82
12.85
12.77
growth rate 4.2% -23.7% -30.9% 9.7% 8.7% -0.7%
Acct.Payable 2.36
0.59
26.75
29.24
30.44
116.51
growth rate -75.0% 4,433.9% 9.3% 4.1% 282.8%
Cur.Assets 79.67
114.63
72.87
81.86
growth rate 43.9% -36.4% 12.3%
Total Assets 832.30
927.30
986.50
1,079.51
1,174.95
1,216.28
1,417.56
1,480.75
1,583.67
1,644.45
growth rate 11.4% 6.4% 9.4% 8.8% 3.5% 16.6% 4.5% 7.0% 3.8%
Cash 63.80
48.60
49.70
33.26
56.30
54.59
50.71
82.83
35.51
46.06
growth rate -23.8% 2.3% -33.1% 69.3% -3.0% -7.1% 63.3% -57.1% 29.7%
Cur.Liabilities 148.56
147.20
163.44
263.73
growth rate -0.9% 11.0% 61.4%
Liabilities 660.70
711.30
758.90
831.47
911.84
970.47
1,159.20
1,233.83
1,334.57
1,420.94
growth rate 7.7% 6.7% 9.6% 9.7% 6.4% 19.5% 6.4% 8.2% 6.5%
LT Debt 0.00 0.00 0.00 0.00 0.00 0.00
growth rate
Equity 190.38
171.50
216.10
227.60
248.04
263.11
245.81
258.36
246.93
249.10
223.51
growth rate -9.9% 26.0% 5.3% 9.0% 6.1% -6.6% 5.1% -4.4% 0.9% -10.3%
Common Shares 42.00
44.00
49.00
50.00
50.00
50.00
50.00
50.00
50.00
50.00
50.00
growth rate 4.8% 11.4% 2.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Capital Expenditures 0.00
0.90
0.30
2.00
1.80
0.62
0.39
0.48
0.59
2.21
1.33
growth rate -66.7% 566.7% -10.0% -65.6% -36.5% 22.4% 22.7% 275.3% -40.1%
Cash Dividends 0.00 0.00 0.00 0.00 0.00 0.00
growth rate
Cash From OA 37.92
46.40
52.10
60.50
64.28
69.27
81.41
97.93
87.15
102.27
93.01
growth rate 22.4% 12.3% 16.1% 6.3% 7.8% 17.5% 20.3% -11.0% 17.4% -9.1%
FCF per Share 0.81
1.02
1.02
1.17
1.22
1.37
1.51
1.87
1.87
1.84
1.99
growth rate 25.9% 0.0% 14.7% 4.3% 12.3% 10.2% 23.8% 0.0% -1.6% 8.2%
Sale Purchase of Stock 1.84
0.82
growth rate -55.4%
FCF 34.00
45.00
49.00
58.00
62.00
69.00
81.00
97.00
87.00
100.00
92.00
growth rate 32.4% 8.9% 18.4% 6.9% 11.3% 17.4% 19.8% -10.3% 14.9% -8.0%
Income Statement Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14 Dec '15 Dec '16 Dec '17
Sales 169.64
146.70
189.00
190.30
194.16
202.76
213.64
230.23
236.27
245.41
252.53
growth rate -13.5% 28.8% 0.7% 2.0% 4.4% 5.4% 7.8% 2.6% 3.9% 2.9%
Op.Income -12.60
20.61
18.39
8.48
4.53
4.79
-1.95
-1.94
5.48
1.55
growth rate 100.0% -10.8% -53.9% -46.6% 5.8% -100.0% 0.0% 100.0% -71.8%
IBT -12.60
20.60
18.40
11.33
6.04
6.93
-1.95
-1.94
5.48
-2.99
growth rate 100.0% -10.7% -38.4% -46.7% 14.8% -100.0% 0.0% 100.0% -100.0%
Net Income -15.70
17.30
14.70
8.48
4.53
4.79
-5.97
-3.14
1.97
-38.13
growth rate 100.0% -15.0% -42.3% -46.6% 5.8% -100.0% 0.0% 100.0% -100.0%
EPS 0.35
-0.42
0.30
0.30
0.17
0.09
0.10
-0.12
-0.06
0.04
-0.77
growth rate -100.0% 100.0% 0.0% -43.3% -47.1% 11.1% -100.0% 0.0% 100.0% -100.0%
Gross Profit 26.70
-9.70
52.44
47.68
65.29
61.10
63.91
36.82
33.66
40.90
45.43
growth rate -100.0% 100.0% -9.1% 36.9% -6.4% 4.6% -42.4% -8.6% 21.5% 11.1%

Quarterly Statements

Item Name Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Earnings BIT 3.11
-4.60
2.58
-4.11
5.56
growth rate -100.0% 100.0% -100.0% 100.0%
Balance Sheet Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Acct.Receivable 10.91
12.77
10.90
11.79
12.34
growth rate 17.1% -14.7% 8.2% 4.6%
Acct.Payable 32.06
116.51
33.45
33.55
32.84
growth rate 263.4% -71.3% 0.3% -2.1%
Cur.Assets 79.00
81.86
75.31
101.41
105.72
growth rate 3.6% -8.0% 34.7% 4.3%
Total Assets 1,651.27
1,644.45
1,645.46
1,652.72
1,601.91
growth rate -0.4% 0.1% 0.4% -3.1%
Cash 45.00
46.06
41.25
63.33
68.75
growth rate 2.4% -10.5% 53.6% 8.6%
Inventory
growth rate
Cur.Liabilities 170.72
263.73
185.87
185.71
133.08
growth rate 54.5% -29.5% -0.1% -28.3%
Liabilities 1,387.05
1,420.94
1,436.01
1,455.29
1,421.17
growth rate 2.4% 1.1% 1.3% -2.3%
LT Debt
growth rate
Equity 264.22
223.51
209.45
197.43
180.74
growth rate -15.4% -6.3% -5.7% -8.5%
Common Shares 262.57
262.57
262.57
262.78
262.88
growth rate 0.0% 0.0% 0.1% 0.0%
Cash Flow Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Capital Expenditures 0.27
0.10
0.06
0.15
0.23
growth rate -62.0% -40.8% 145.9% 50.7%
Cash Dividends
growth rate
Cash From OA 25.44
24.15
21.99
20.00
23.25
growth rate -5.0% -9.0% -9.1% 16.3%
Sale Purchase of Stock
growth rate
FCF 25.17
24.05
21.93
19.85
23.02
growth rate -4.4% -8.8% -9.5% 16.0%
Income Statement Sep '17 Dec '17 Mar '18 Jun '18 Sep '18
Sales 64.33
67.76
57.43
59.84
61.16
growth rate 5.3% -15.3% 4.2% 2.2%
Op.Income 3.11
-4.60
2.58
-4.11
5.56
growth rate -100.0% 100.0% -100.0% 100.0%
IBT 3.11
-9.14
2.58
-4.11
5.56
growth rate -100.0% 100.0% -100.0% 100.0%
Net Income 3.45
-44.20
0.04
-2.56
-14.75
growth rate -100.0% 100.0% -100.0% 0.0%
EPS
growth rate
Gross Profit 11.00
10.89
9.77
10.83
18.33
growth rate -1.0% -10.3% 10.9% 69.3%
R&D
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.62)

YOY Growth Grade:

E (19.59)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

Current EPS is negative, therefore value price cannot be calculated.

PE and EPS

Historical Current Forward
PE 59.03 -5.72 24.92
EPS / Growth -19.6% -1.23 11.1%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 2.00 28.65 28.65
Future EPS 0.00 0.00 0.00
Value Price
MOS %
0.00
-100.0%
0.00
-100.0%
0.00
-100.0%
MOS Price 0.00 0.00 0.00
IRT 99.00 99.00 99.00

Graham Number:

Current EPS is negative, therefore Graham Number cannot be calculated.
NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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