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Citizens CIA Domestic Insurance Segment — Reinsurance Premiums, Net

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Other financials

Income statement

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Revenue$60.4M-7.2%
Net income-$425.0K-107%
EPS (diluted)-$0.01-108%

Balance sheet

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Cash & equivalents$17.0M-25.2%
Total debt$7.4M-5.5%
Total equity$235.2M+2.7%
Total assets$1.8B+2.3%

Cash flow

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Operating cash flow$2.0M-41.0%
CapEx$35.0K-80.1%
Free cash flow$2.0M-38.9%

Valuation

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Market cap$194.47M-19.7%
P/E16.8×-4.8×
P/S0.8×-0.2×

Profitability

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Net margin4.5%0.0pp
FCF margin5.9%-3.9pp

Returns & leverage

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Return on equity5%-0.4pp
Debt / equity0.0×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept cia:ReinsurancePremiumsNet.

The source filing: Citizens’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 4:09 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000024090-26-000043
(In thousands)Three Months Ended June 30, 2026Three Months Ended June 30, 2025Six Months Ended June 30, 2026Six Months Ended June 30, 2025
Direct premiums:
First year$6,2185,62111,89811,046
Renewal13,00211,47425,67222,320
Total direct premiums19,22017,09537,57033,366
Reinsurance(3,886)(2,585)(7,496)(4,667)
Total premiums$15,33414,51030,07428,699

Item 1. FINANCIAL STATEMENTS

FAQ

What is Citizens's domestic insurance segment — reinsurance premiums, net?
Citizens (CIA) reported domestic insurance segment — reinsurance premiums, net of -$3.89M in Q2 2026.
How has Citizens's domestic insurance segment — reinsurance premiums, net changed year-over-year?
Citizens's domestic insurance segment — reinsurance premiums, net decreased by 50.3% year-over-year, from -$2.59M to -$3.89M.
What does domestic insurance segment — reinsurance premiums, net mean?
This reflects the net impact of reinsurance activity, representing premiums ceded to reinsurers to mitigate risk exposure. It is a vital indicator of the company's risk management strategy and its reliance on external capacity to manage underwriting volatility.

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