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Citizens CIA Permanent Limited Pay — Capitalizations

Other product segments

Permanent
$8.08M+6.1%

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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 limited pay — capitalizations?
Citizens (CIA) reported permanent limited pay — capitalizations of $759K in Q1 2026.
How has Citizens's permanent limited pay — capitalizations changed year-over-year?
Citizens's permanent limited pay — capitalizations decreased by 30.6% year-over-year, from $1.09M to $759K.
What is the long-term trend for Citizens's permanent limited pay — capitalizations?
Over 3 years (2022 to 2025), Citizens's permanent limited pay — capitalizations has grown at a -1.9% compound annual growth rate (CAGR), from $4.57M to $4.32M.
What does permanent limited pay — capitalizations mean?
Reflects the total amount of incremental direct costs incurred to acquire new insurance business that are deferred and capitalized during the period. This metric indicates the level of investment in new policy growth within the Permanent Limited Pay segment.