Citizens Inc
NYSE:CIA
Decide at what price you'd be comfortable buying and we'll help you stay ready.
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Price/Premiums
Price to Premiums ratio compares an insurance company`s market value to the total premiums it earns. It shows how much investors are willing to pay for each dollar of premiums written by the insurer.
Price to Premiums ratio compares an insurance company`s market value to the total premiums it earns. It shows how much investors are willing to pay for each dollar of premiums written by the insurer.
Valuation Scenarios
If Price/Premiums returns to its 3-Year Average (1), the stock would be worth $3.72 (31% downside from current price).
| Scenario | Price/Premiums Value | Implied Price | Upside/Downside |
|---|---|---|---|
| Current Multiple | 1.5 | $5.4 |
0%
|
| 3-Year Average | 1 | $3.72 |
-31%
|
| 5-Year Average | 1.1 | $4.08 |
-24%
|
| Industry Average | 1.4 | $5.12 |
-5%
|
| Country Average | 1.4 | $5.04 |
-7%
|
Forward Price/Premiums
Today’s price vs future gross premiums earned
Peer Comparison
| Market Cap | Price/Premiums | P/E | ||||
|---|---|---|---|---|---|---|
| US |
|
Citizens Inc
NYSE:CIA
|
271.6m USD | 1.5 | 18.6 | |
| ZA |
S
|
Sanlam Ltd
JSE:SLM
|
178.8B ZAR | 1.5 | 11.2 | |
| ZA |
D
|
Discovery Ltd
JSE:DSY
|
176.4B ZAR | 2.1 | 16.4 | |
| CN |
|
Ping An Insurance Group Co of China Ltd
SSE:601318
|
1.1T CNY | 1.6 | 8 | |
| CN |
|
China Life Insurance Co Ltd
SSE:601628
|
1T CNY | 4.6 | 6.7 | |
| HK |
|
AIA Group Ltd
HKEX:1299
|
893.6B HKD | 5.3 | 18.3 | |
| ZA |
O
|
OUTsurance Group Ltd
JSE:OUT
|
109.5B ZAR | 2.8 | 21.9 | |
| CA |
|
Manulife Financial Corp
TSX:MFC
|
89.6B CAD | 2.5 | 17.1 | |
| ZA |
O
|
Old Mutual Ltd
JSE:OMU
|
64B ZAR | 0.7 | 7.6 | |
| US |
|
Aflac Inc
NYSE:AFL
|
59B USD | 4.3 | 16.3 | |
| IN |
|
Life Insurance Corporation Of India
NSE:LICI
|
5T INR | 1 | 9.5 |
Market Distribution
| Min | 0.3 |
| 30th Percentile | 1 |
| Median | 1.4 |
| 70th Percentile | 2.1 |
| Max | 45.9 |
Other Multiples
Citizens Inc
Glance View
Citizens, Inc. (Austin, Texas) is a holding company, which engages in the provision of insurance and reinsurance services. The company is headquartered in Austin, Texas and currently employs 215 full-time employees. The Company’s segments include Life Insurance segment and Home Service Insurance segment. Life Insurance segment primarily consist of the collection of renewal premiums on ordinary whole life and final expense policies issued to middle and lower income families and individuals in certain markets in the Mountain West, Midwest and Southern U.S. Life Insurance segment also sells credit life and credit accident and health insurance domestically. Home Service Insurance segment markets through, its subsidiaries Security Plan Life Insurance Company, Magnolia Guaranty Life Insurance Company (MGLIC) and Security Plan Fire Insurance Company (SPFIC). Home Service Insurance segment also sells property insurance policies covering dwellings and content. The Company’s polices are sold and serviced through funeral homes and independent agents who sell policies, collect premiums and service policyholders.
