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Citizens CIA Policy loans

Policy loans at other companies

Globe Life logo
Globe LifeGL
$749.11M+5.8%
MetLife logo
MetLifeMET
$8.46B-2.4%
Brighthouse Financial logo
Brighthouse FinancialBHF
$1.46B+1.5%
Lincoln National logo
Lincoln NationalLNC
$2.61B+3.0%
Kemper logo
KemperKMPR
$279.6M-0.1%

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:LoansInsurancePolicy.

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 policy loans?
Citizens (CIA) reported policy loans of $67.22M in Q1 2026.
How has Citizens's policy loans changed year-over-year?
Citizens's policy loans decreased by 5.3% year-over-year, from $70.96M to $67.22M.
What is the long-term trend for Citizens's policy loans?
Over 5 years (2020 to 2025), Citizens's policy loans has grown at a -4.1% compound annual growth rate (CAGR), from $83.32M to $67.46M.
What does policy loans mean?
This represents the total outstanding balance of loans extended to policyholders, secured by the cash surrender value of their life insurance policies. It reflects a liquidity feature for policyholders and serves as an interest-bearing asset for the insurer. High levels may indicate increased policyholder demand for liquidity or potential risk of policy lapse.