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Citizens CIA Q4 2024 Annual earnings

Reported March 13, 2025 · Before market open

Revenue$63.5MMiss by $1.2M
EPS$0.07Miss by $0.03
Revenue estimate$64.7M
EPS estimate$0.10

Next report

Nov 5, 2026 (in 2 months)
Revenue estimate$64.7M
EPS estimate$0.03

Financials

Q4 2024

Income statement

See full
Revenue$63.5M-5.0%
Net income$3.6M-66.3%

Balance sheet

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Cash & equivalents$29.3M+8.4%
Total debt$7.8M-14.2%
Total equity$210.4M+22.2%
Total assets$1.7B+1.0%

Cash flow

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Operating cash flow$10.8M+63.7%
CapEx$102.0K-32.0%
Free cash flow$10.7M+66.0%

Valuation & ratios

Valuation

as of 12/31/24
See full
Market cap$200.13M+50.1%
Enterprise value$178.64M+54.8%
P/E13.4×+8.0×
P/S0.8×+0.3×

Profitability

See full
Net margin6.1%-4.1pp
FCF margin12.8%+3.8pp

Returns & leverage

See full
Return on equity7.8%-8.5pp
Debt / equity0×0.0×

Segments

By segment

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International Insurance Segment$42.6M—
Domestic Insurance Segment$18.4M—

FAQ

When did Citizens report Q4 2024 earnings?
Citizens (CIA) reported Q4 2024 earnings on March 13, 2025 before market open.
What were Citizens's Q4 2024 revenue and EPS?
Citizens reported revenue of $63.5M and eps of $0.07 for Q4 2024.
Did Citizens beat estimates in Q4 2024?
Revenue missed the consensus estimate of $64.7M by $1.2M. EPS missed the consensus estimate of $0.10 by $0.03.
Where can I find Citizens's Q4 2024 SEC filings?
You can read the 8-K earnings release (0000024090-25-000017) and the 10-K periodic report (0000024090-25-000018) directly on SEC EDGAR. The filing index links above go to sec.gov.