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

Other segment segments

Domestic Insurance Segment

-$36.93M—

Similar metrics at other companies

HMNTerm Life Insurance — Effect of changes in discount rate assumptions

-$46.5M+5.9%

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—

KKROther — Effect of Changes in Discount Rate Assumptions

-$139.84M-22.1%

KMPRTerm Life Insurance — Effect of Changes in Discount Rate Assumptions

-$22.6M+15.7%

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 international insurance segment — effect of changes in discount rates?: Citizens (CIA) reported international insurance segment — effect of changes in discount rates of -$44.62M in Q1 2026.
What does international insurance segment — effect of changes in discount rates mean?: Measures the sensitivity of the insurance segment's future policy benefit liabilities to fluctuations in market discount rates. Changes in this metric indicate how interest rate volatility impacts the present value of long-term obligations to policyholders.