Citizens CIA Domestic Insurance Segment — Plus: Flooring impact

Similar metrics at other companies

HMNSupplemental health — Impact of flooring on net liability for future policy benefits

$0—

AMPDisability Income Insurance — Adjustment due to reserve flooring

$0—

PRUTotal — Flooring impact, EOP

$249M+115%

PRUInternational Businesses — Flooring impact, EOP

$91M+122%

AMPLong Term Care Insurance — Adjustment due to reserve flooring

$0—

METAccident & health insurance — Cumulative impact of flooring the future policyholder benefits reserve

$182M+264%

Other financials

Income statement

See full

Revenue$59.7M+7.3%

Net income$2.3M+240%

EPS (diluted)$0.04+233%

Balance sheet

See full

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

See full

Operating cash flow-$323.0K-143%

CapEx$326.0K+205%

Free cash flow-$649.0K-201%

Valuation

See full

Market cap$300.79M+65.2%

P/E16.3×-4.5×

P/S1.2×+0.4×

Profitability

See full

Net margin7.1%+3.5pp

FCF margin6.3%-4.1pp

Returns & leverage

See full

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 cia:LiabilityForFuturePolicyBenefitsNetPremiumFlooringImpact.

The official record: Citizens’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

Ask your AI about Citizens's domestic insurance segment — plus: flooring impact.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is Citizens's domestic insurance segment — plus: flooring impact?: Citizens (CIA) reported domestic insurance segment — plus: flooring impact of $0 in Q4 2025.
What does domestic insurance segment — plus: flooring impact mean?: This metric represents the adjustment applied to insurance liabilities to ensure they do not fall below a specified minimum threshold or floor. It accounts for regulatory or accounting requirements that mandate a minimum reserve level regardless of current actuarial estimates. This serves as a conservative buffer to ensure long-term solvency and compliance with insurance accounting standards.