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Citizens CIA Permanent Limited Pay — Effect of changes in discount rates

Other product segments

Permanent
-$55.45M+11.3%

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JXNChange in the discount rates used to measure traditional and limited payment long-duration insurance contracts
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HMNLimited-Pay Whole Life — Liability for Future Policy Benefit, Expected Future Policy Benefit, before Reinsurance, after Discount Rate Change
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HMNLimited-Pay Whole Life — Current discount rate
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HMNLimited-Pay Whole Life — Liability for Future Policy Benefit, Expected Net Premium, before Reinsurance, after Discount Rate Change
$34M0.0%

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 us-gaap:AociLiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitBeforeTax.

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 — effect of changes in discount rates?
Citizens (CIA) reported permanent limited pay — effect of changes in discount rates of -$26.1M in Q1 2026.
How has Citizens's permanent limited pay — effect of changes in discount rates changed year-over-year?
Citizens's permanent limited pay — effect of changes in discount rates decreased by 6.8% year-over-year, from -$24.44M to -$26.1M.
What is the long-term trend for Citizens's permanent limited pay — effect of changes in discount rates?
Over 3 years (2022 to 2025), Citizens's permanent limited pay — effect of changes in discount rates has grown at a 383.1% compound annual growth rate (CAGR), from $802K to -$90.45M.
What does permanent limited pay — effect of changes in discount rates mean?
Quantifies the impact of fluctuations in market discount rates on the present value of future policy benefit liabilities for the Permanent Limited Pay segment. This metric highlights the sensitivity of the company's long-term insurance obligations to interest rate volatility.