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Citizens CIA Capitalization

Discontinued — last reported Q4 '25

Capitalization at other companies

American International Group logo
American International GroupAIG
$881M+17.5%
Universal Insurance Holdings logo
Universal Insurance HoldingsUVE
——

Segments

By segment

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Domestic Insurance Segment$4.71M—
International Insurance Segment$4.23M—

By product

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Permanent$8.08M+6.1%
Permanent Limited Pay$759K-30.6%

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:DeferredPolicyAcquisitionCostsAdditions.

The official record: Citizens’s 10-K, filed March 12, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Citizens's capitalization?
Citizens (CIA) reported capitalization of $11.26M in Q4 2025.
How has Citizens's capitalization changed year-over-year?
Citizens's capitalization decreased by 6.2% year-over-year, from $12M to $11.26M.
What is the long-term trend for Citizens's capitalization?
Over 3 years (2022 to 2025), Citizens's capitalization has grown at a 16.9% compound annual growth rate (CAGR), from $24.9M to $39.8M.
What does capitalization mean?
The total amount of direct costs associated with acquiring new insurance policies that are capitalized as assets rather than expensed immediately. This reflects the company's investment in growth and the expected future profitability of the newly acquired business.