Citizens (CIA) International Insurance Segment — Less: Reinsurance recoverable

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Other segment segments

Domestic Insurance Segment

$9.41M—

Similar metrics at other companies

APOTotal — Less: Reinsurance recoverable

$5M—

VOYABusinesses Exited — Less: Reinsurance recoverable

$3.72B-7.4%

JXNPayout Annuities — Less: Reinsurance recoverable

$129M+9.3%

FNFImmediate annuities — Less: Reinsurance recoverable

$104M-4.6%

FNFTraditional Life — Less: Reinsurance recoverable

$498M-5.1%

APOWhole Life — Less: Reinsurance recoverable

$5M—

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 / equity0×0.0×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitReinsuranceRecoverableAfterAllowance.

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

June 30, 2026(In thousands)	International Insurance / Permanent	International Insurance / Permanent Limited Pay	Total	Domestic Insurance / Permanent	Domestic Insurance / Permanent Limited Pay	Total
Derecognition and other	112	177	289	(3,892)	46	(3,846)
Ending balance at original discount rate	925,912	172,575	1,098,487	360,952	152,827	513,779
Effect of changes in discount rates	(31,518)	(9,574)	(41,092)	(16,671)	(13,867)	(30,538)
Balance, end of period	$894,394	163,001	1,057,395	344,281	138,960	483,241
Net liability for future policy benefits	$654,639	143,403	798,042	140,434	126,068	266,502
Plus: Flooring impact	2	—	2	—	—	—
Less: Reinsurance recoverable	—	—	—	9,408	—	9,408
Net liability for future policy benefits, after reinsurance recoverable	$654,641	143,403	798,044	131,026	126,068	257,094

Item 1. FINANCIAL STATEMENTS

FAQ

What is Citizens's international insurance segment — less: reinsurance recoverable?: Citizens (CIA) reported international insurance segment — less: reinsurance recoverable of $0 in Q2 2026.
What does international insurance segment — less: reinsurance recoverable mean?: The portion of insurance liabilities that is expected to be recovered from reinsurers under existing risk-transfer agreements. This metric quantifies the extent to which the segment mitigates its underwriting risk through external insurance partners.