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Citizens CIA International Insurance Segment — Future policy benefit reserve

Other segment segments

Domestic Insurance Segment
$250.62M

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CLOVInsurance segment — Premium deficiency reserve benefit
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GEOther contracts — Future policy benefit reserves
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UNMUnum International — Reserves for Future Policy Contract Benefits
$2.4B+11.2%

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×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitAfterReinsurance.

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 — future policy benefit reserve?
Citizens (CIA) reported international insurance segment — future policy benefit reserve of $794.56M in Q1 2026.
What does international insurance segment — future policy benefit reserve mean?
The total amount of capital set aside by the insurance segment to cover future claims and benefits as they become due. It serves as a fundamental measure of the segment's ability to meet its long-term contractual promises to policyholders.