Citizens CIA Domestic Insurance Segment — Effect of changes in discount rates

Other segment segments

International Insurance Segment

-$44.62M—

Similar metrics at other companies

HMNTerm Life Insurance — Effect of changes in discount rate assumptions

-$46.5M+5.9%

KMPRTerm Life Insurance — Effect of Changes in Discount Rate Assumptions

-$22.6M+15.7%

CBSegment Life — Effect of changes in discount rate assumptions

-$498M-172%

HMNExperience Life Insurance — Effect of changes in discount rate assumptions

$28.9M-24.9%

VOYAEmployee Benefits Group — Effects of changes in discount rate assumptions

$0—

AFLLife insurance — Effect of change in discount rate assumptions

-$5.58B-70.4%

Other financials

Income statement

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Revenue$59.7M+7.3%

Net income$2.3M+240%

EPS (diluted)$0.04+233%

Balance sheet

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Cash & equivalents$18.5M+0.9%

Total debt$7.4M-5.5%

Total equity$238.7M+9.4%

Total assets$1.7B+2.2%

Cash flow

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Operating cash flow-$323.0K-143%

CapEx$326.0K+205%

Free cash flow-$649.0K-201%

Valuation

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Market cap$300.79M+65.2%

P/E16.3×-4.5×

P/S1.2×+0.4×

Profitability

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Net margin7.1%+3.5pp

FCF margin6.3%-4.1pp

Returns & leverage

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Return on equity8.1%+3.9pp

Debt / equity0×0.0×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax.

The official record: Citizens’s 10-Q, filed May 7, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens's domestic insurance segment — effect of changes in discount rates?: Citizens (CIA) reported domestic insurance segment — effect of changes in discount rates of -$36.93M in Q1 2026.
What does domestic insurance segment — effect of changes in discount rates mean?: Measures the impact of fluctuations in market discount rates on the present value of future policy benefit obligations. As discount rates change, the actuarial valuation of long-term insurance liabilities must be adjusted to reflect current economic conditions. This metric is critical for assessing the sensitivity of the company's balance sheet to interest rate volatility.