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Citizens CIA Permanent Limited Pay — Interest accrual

Other product segments

Permanent
$13.97M-0.4%

Similar metrics at other companies

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HMNLimited-Pay Whole Life — Interest accruals
$400K0.0%
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HMNLimited Pay Whole Life Insurance — Interest accruals
$1.2M+9.1%
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HMNLimited-Pay Whole Life — Interest Expense
$800K0.0%
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HMNLimited-Pay Whole Life — Interest accretion rate
4%0.0pp
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HMNLimited-Pay Whole Life — Liability for Future Policy Benefit, Expected Future Policy Benefit, Benefit Payment
$800K+100%
Equitable Holdings logo
EQHPayout — Interest accrual
$52M+2.0%

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×

Where this comes from

Reported directly by Citizens in its filing.

Tagged under the XBRL concept us-gaap:LiabilityForFuturePolicyBenefitExpectedFuturePolicyBenefitInterestExpense.

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 — interest accrual?
Citizens (CIA) reported permanent limited pay — interest accrual of $3.52M in Q1 2026.
How has Citizens's permanent limited pay — interest accrual changed year-over-year?
Citizens's permanent limited pay — interest accrual increased by 0.8% year-over-year, from $3.49M to $3.52M.
What is the long-term trend for Citizens's permanent limited pay — interest accrual?
Over 3 years (2022 to 2025), Citizens's permanent limited pay — interest accrual has grown at a 0.2% compound annual growth rate (CAGR), from $13.93M to $14.02M.
What does permanent limited pay — interest accrual mean?
Reflects the periodic interest expense accrued on the liability for future policy benefits for the Permanent Limited Pay segment. It represents the growth in the insurance liability due to the passage of time as the company fulfills its long-term obligations to policyholders.