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Citizens CIA Permanent — Capitalizations

Other product segments

Permanent Limited Pay
$759K-30.6%

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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×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:DeferredPolicyAcquisitionCostsAdditions.

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 permanent — capitalizations?
Citizens (CIA) reported permanent — capitalizations of $8.08M in Q1 2026.
How has Citizens's permanent — capitalizations changed year-over-year?
Citizens's permanent — capitalizations increased by 6.1% year-over-year, from $7.61M to $8.08M.
What is the long-term trend for Citizens's permanent — capitalizations?
Over 3 years (2022 to 2025), Citizens's permanent — capitalizations has grown at a 20.3% compound annual growth rate (CAGR), from $20.1M to $35.03M.
What does permanent — capitalizations mean?
Reflects the total amount of incremental direct costs associated with acquiring new insurance contracts that are deferred and capitalized during the reporting period. This metric indicates the level of new business activity and the associated upfront investment required to secure long-term policyholder relationships. Higher capitalizations suggest active growth strategies within the permanent insurance product line.