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Citizens CIA Life Insurance Product Line — Ceded Premiums Earned

Other product segments

Accident and Health Insurance Product Line
$3K0.0%

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PGRProperty Liability And Casualty Insurance — Ceded Premiums Earned
$296.5M-13.4%

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:CededPremiumsEarned.

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 life insurance product line — ceded premiums earned?
Citizens (CIA) reported life insurance product line — ceded premiums earned of $3.11M in Q4 2025.
How has Citizens's life insurance product line — ceded premiums earned changed year-over-year?
Citizens's life insurance product line — ceded premiums earned increased by 123.8% year-over-year, from $1.39M to $3.11M.
What is the long-term trend for Citizens's life insurance product line — ceded premiums earned?
Over 4 years (2021 to 2025), Citizens's life insurance product line — ceded premiums earned has grown at a 61.0% compound annual growth rate (CAGR), from $1.85M to $12.44M.
What does life insurance product line — ceded premiums earned mean?
This metric represents the portion of premiums that the company pays to reinsurers to transfer a share of its insurance risk. It reflects the cost of risk management and the extent to which the company relies on third-party reinsurance to stabilize its underwriting results.