Citizens CIA Ratios & Valuation
| FY'25 | FY'24 | FY'23 | FY'22 | ||
|---|---|---|---|---|---|
| Profitability | |||||
| Net margin | 5.7%-0.4pp | 6.1%-4.1pp | 10.2%-1.0pp | 11.2%-3.5pp | |
| Free cash flow margin | 6.9%-5.9pp | 12.8%+3.8pp | 9%-15.5pp | 24.4%+8.7pp | |
| Returns | |||||
| Return on equity | 6.6%-1.2pp | 7.8%-8.5pp | 16.3%-6.5pp | 22.8%+4.5pp | |
| Return on assets | 0.8%0.0pp | 0.9%-0.6pp | 1.5%0.0pp | 1.5%-0.5pp | |
| Efficiency | |||||
| Asset turnover | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Leverage | |||||
| Debt-to-equity | 0×0.0× | 0×0.0× | 0.1×0.0× | 0.1×0.0× | |
| Debt-to-assets | 0×0.0× | 0×0.0× | 0×0.0× | 0×0.0× | |
| Valuation | |||||
| Market capitalization | $300.79M+65.2% | $200.13M+50.1% | $133.3M+25.1% | $106.51M-59.7% | |
| Enterprise value | $227.32M+27.2% | $178.64M+54.8% | $115.37M+23.2% | $93.66M-62.2% | |
| Price / earnings | 16.3×-4.5× | 13.4×+8.0× | 5.5×+1.4× | 4.1×-3.1× | |
| Price / sales | 1.2×+0.4× | 0.8×+0.3× | 0.6×+0.1× | 0.5×-0.6× | |
| Price / book | 1.3×+0.4× | 1×+0.2× | 0.8×-0.1× | 0.8×-1.8× | |
| EV / sales | 0.9×+0.2× | 0.7×+0.2× | 0.5×+0.1× | 0.4×-0.6× | |
| Free cash flow yield | 5.4%-8.4pp | 15.6%-0.6pp | 16.2%-37.1pp | 53.3%+38.4pp | |
| Earnings yield | 6.1%+1.3pp | 7.5%-10.9pp | 18.3%-6.1pp | 24.4%+10.5pp |
Chart any of these lines over time, or line them up against competitors.
Compare these in charts →Questions, answered.
- Where do Citizens's ratios come from?
- Every ratio is computed from Citizens's SEC filings — trailing-twelve-month flows over period-end balances. Valuation multiples combine those fundamentals with market data, recomputed each period. Switch between quarterly, annual, and TTM, or open any ratio for its full history and peer comparisons.
