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Citizens CIA International Insurance Segment — Plus: Flooring impact

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HMNExperience life — Impact of flooring on net liability for future policy benefits
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CINFWhole Life Insurance — Impact of flooring at cohort level
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METAccident & health insurance — Cumulative impact of flooring the future policyholder benefits reserve
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HMNSupplemental health — Impact of flooring on net liability for future policy benefits
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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 cia:LiabilityForFuturePolicyBenefitsNetPremiumFlooringImpact.

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

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Questions, answered.

What is Citizens's international insurance segment — plus: flooring impact?
Citizens (CIA) reported international insurance segment — plus: flooring impact of $500 in Q4 2025.
How has Citizens's international insurance segment — plus: flooring impact changed year-over-year?
Citizens's international insurance segment — plus: flooring impact decreased by 0.0% year-over-year, from $500 to $500.
What does international insurance segment — plus: flooring impact mean?
Reflects the adjustment applied to insurance liability calculations to ensure that the carrying value does not fall below a specified minimum threshold or floor. This mechanism is used to maintain conservative valuation standards for long-duration insurance contracts. It provides insight into the company's risk management approach regarding the adequacy of policy benefit reserves.