Citizens, Inc. Financial Ratios — CIA Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.57	1.77	1.88	-2.37	-1.24	0.79	-16.13	-5.38	-0.61	-3.92	23.4	11.6	16.3	7.8	6.55
Return on Assets (%)	0.82	0.4	0.4	-0.45	-0.22	0.13	-2.36	-0.68	-0.08	-0.61	3.93	1.51	1.5	0.89	0.85
Return on Capital (%)	3.57	1.77	1.88	- -	- -	0.79	- -	-5.38	-0.61	- -	- -	11.6	16.3	7.8	6.55
Return on Invested Capital (%)	- -	- -	1.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	3.24	-1.21	- -	- -	-1.18	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	3.24	-1.21	- -	- -	-1.18	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	63.72	- -	46	- -	- -	-34.64	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	5.84	2.98	3.24	-0.85	-0.82	2.23	-1.18	0.82	2.29	-5.16	12.18	11.77	10.88	6.11	6.83
Profit Margin (%)	4.37	2.23	2.24	-2.59	-1.33	0.8	-15.09	-4.53	-0.55	-4.6	29.02	11.18	10.15	6.09	5.71
Net Income to Common Margin (%)	4.37	2.23	2.24	-2.59	-1.33	0.8	-15.09	-4.53	-0.55	-4.6	29.02	11.18	10.15	6.09	5.71
Effective Tax Rate (%)	25.14	24.97	30.85	- -	- -	64.09	- -	652.55	123.85	- -	- -	5	6.64	0.45	16.48
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	3.57	1.77	1.88	-2.37	-1.24	0.79	-16.13	-5.38	-0.61	-3.92	23.4	11.6	16.3	7.8	6.55

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	-7.88	18.24	- -	- -	15.43	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	-7.88	18.24	- -	- -	15.43	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	22.98	22.39	20.21	18.23	16.68	15.73	13.59	11.62	14.89	16.33	17.29	8.03	10.31	12.48	13.39
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt to Equity	-13.41	-21.4	-22.21	-19.63	-33.54	-14.26	-20.61	-24.23	-17.78	-11.34	-8.51	-17.98	-15.68	-13.18	-9.12
Net Debt/Capital (%)	-15.48	-27.22	-28.55	-24.42	-50.47	-16.63	-25.96	-31.98	-21.63	-12.79	-9.31	-21.92	-18.6	-15.18	-10.03
EBITDA	- -	- -	7	-3	- -	- -	-3	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-2	-1	7	-3	-1	-2	-4	-1	-1	- -	-1	- -	- -	-1	- -
Operating Income (Loss)	- -	- -	7	-3	- -	- -	-3	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	22.98	22.39	20.21	18.23	16.68	15.73	13.59	11.62	14.89	16.33	17.29	8.03	10.31	12.48	13.39
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Total Liabilities	7.73	7.6	8.39	8.45	7.06	7.66	6.55	5.93	4.86	3.17	2.64	3.89	1.47	2.16	1.18
CFO/CapEx	35.71	111.91	207.16	203.6	147.72	46.19	70.14	116.88	141.34	220.97	40.17	569.2	49.9	48.14	40.24
Altman's Z-Score	0.51	0.52	0.46	0.34	0.33	0.37	0.26	0.25	0.22	0.18	0.2	0.2	0.23	0.27	0.3

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	14.24	10.42	11.94	14.95	15.15	15.01	15.22	14.58	15.03	14.3	15.02	14.23	15.21	14.45	12.52
Days Sales Outstanding	25.63	35.02	30.57	24.42	24.09	24.32	23.98	25.03	24.28	25.53	24.29	25.65	23.99	25.26	29.15
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	484	553	438	381	372	492	368	377	339	289	266	106	133	200	243
- Cash & Cash Equivalents	33	56	55	51	83	36	46	45	46	34	27	23	27	28	21
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-65	-110	-222	-377	-447	-426	-653	-908	-1,086	-1,234	-1,232	-1,098	-1,133	-1,049	193
Total Capital	248	263	246	258	247	249	224	188	260	301	321	128	172	210	235
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	0.76
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.35	10.74
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.24	10.48
Diluted Market Cap	483	553	438	381	372	492	368	377	308	286	268	108	136	206	252
Diluted Enterprise Value	449	496	384	330	289	456	322	332	262	252	240	85	109	178	230
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.42	3.84
TTM Sales	194	203	214	230	236	245	253	244	251	239	251	233	241	245	256
TTM EBITDA	- -	- -	7	-3	- -	- -	-3	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	7	-3	- -	- -	-3	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	64	69	81	98	87	102	93	85	72	49	40	57	22	32	18
TTM Free Cash Flow to Firm	66	70	82	98	88	104	94	85	73	49	41	57	22	33	18

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	7.3	7.91	5.36	3.87	4.24	4.71	3.9	4.42	4.24	5.83	6.45	1.9	6.06	6.33	13.65
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-65	-110	-222	-377	-447	-426	-653	-908	-1,086	-1,234	-1,232	-1,098	-1,133	-1,049	193
Low Price	5.96	7.77	5.92	5.61	5.28	6.1	5.86	6.67	6.08	3.55	4.81	1.92	1.64	1.78	2.9
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.7	0.76
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	56.91	122.01	91.43	- -	- -	249.77	- -	- -	- -	- -	3.63	4.11	5.47	13.42	16.65
Price/Earnings Average	42.25	109.17	84.07	-59.25	-112.92	211.24	-10.12	-35.24	-232.1	-26.97	4.01	7.08	5.6	10.52	16.31
Price/Earnings High	58.49	126.2	122.36	-73.07	-163.81	303.44	-14.27	-39.84	-260	-31.91	4.83	10.58	8.13	19.91	21.92
Price/Earnings Low	35	85.79	61.86	-47.06	-84.13	155.16	-7.7	-30.2	-202.67	-16.14	3.29	3.71	3.34	5.96	10
Price/Book Value	1.95	2.1	1.78	1.47	1.51	1.97	1.65	2.01	1.3	0.96	0.83	0.83	0.77	0.95	1.03
Price/Book Value Average	1.45	1.88	1.64	1.37	1.44	1.67	1.73	2.08	1.35	1	0.92	1.43	0.79	0.75	1.01
Price/Book Value High	2.01	2.18	2.39	1.69	2.09	2.4	2.43	2.35	1.51	1.18	1.1	2.14	1.15	1.41	1.36
Price/Book Value Low	1.2	1.48	1.21	1.09	1.07	1.23	1.31	1.78	1.18	0.6	0.75	0.75	0.47	0.42	0.62
Price/Tangible Book Value	2.4	2.52	2.14	1.76	1.8	2.33	1.91	2.16	1.38	1.01	0.83	0.83	0.77	0.95	1.03
Price/Tangible Book Value Average	1.78	2.25	1.97	1.63	1.71	1.97	2	2.24	1.42	1.04	0.92	1.43	0.79	0.75	1.01
Price/Tangible Book Value High	2.46	2.6	2.87	2.01	2.49	2.83	2.83	2.53	1.59	1.23	1.11	2.14	1.15	1.41	1.36
Price/Tangible Book Value Low	1.47	1.77	1.45	1.3	1.28	1.44	1.53	1.92	1.24	0.62	0.75	0.75	0.47	0.42	0.62
Price/Sales	2.49	2.73	2.05	1.65	1.57	2	1.46	1.54	1.23	1.2	1.05	0.46	0.56	0.82	0.95
Price/Sales Average	1.85	2.44	1.89	1.54	1.5	1.69	1.53	1.6	1.27	1.24	1.16	0.79	0.57	0.64	0.93
Price/Sales High	2.56	2.82	2.75	1.89	2.18	2.43	2.15	1.81	1.42	1.47	1.4	1.18	0.83	1.21	1.25
Price/Sales Low	1.53	1.92	1.39	1.22	1.12	1.24	1.16	1.37	1.11	0.74	0.95	0.42	0.34	0.36	0.57
Price/Cash Flow	7.51	7.98	5.38	3.89	4.27	4.81	3.96	4.45	4.27	5.86	6.53	1.88	6.06	6.27	13.51
Price/Cash Flow Average	5.57	7.14	4.95	3.61	4.07	4.07	4.15	4.61	4.4	6.07	7.21	3.24	6.2	4.91	13.23
Price/Cash Flow High	7.72	8.25	7.2	4.45	5.91	5.84	5.85	5.21	4.93	7.18	8.68	4.84	9.01	9.3	17.79
Price/Cash Flow Low	4.62	5.61	3.64	2.87	3.03	2.99	3.16	3.95	3.84	3.63	5.91	1.7	3.7	2.78	8.11
Price/Free Cash Flow Average	5.42	7.07	4.93	3.59	4.05	3.98	4.09	4.57	4.37	6.04	7.13	3.28	6.2	4.96	13.38
Price/Free Cash Flow High	7.51	8.18	7.17	4.43	5.87	5.72	5.77	5.17	4.9	7.15	8.58	4.9	9.01	9.39	17.98
Price/Free Cash Flow Low	4.49	5.56	3.62	2.85	3.01	2.92	3.11	3.92	3.82	3.61	5.85	1.72	3.69	2.81	8.2
EV/Sales Average	1.68	2.16	1.63	1.32	1.15	1.55	1.34	1.41	1.21	1.11	1.06	0.69	0.45	0.53	0.85
EV/Sales High	2.39	2.55	2.49	1.67	1.83	2.29	1.97	1.62	1.38	1.34	1.3	1.08	0.71	1.1	1.17
EV/Sales Low	1.36	1.64	1.13	1	0.77	1.1	0.98	1.18	1.03	0.61	0.85	0.31	0.23	0.25	0.49
EV/EBITDA Average	- -	- -	50.26	-108.99	- -	- -	-113.74	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	76.74	-138.67	- -	- -	-166.72	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	34.9	-82.82	- -	- -	-82.86	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	50.26	-108.99	- -	- -	-113.74	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	76.74	-138.67	- -	- -	-166.72	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	34.9	-82.82	- -	- -	-82.86	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	9.69	11.05	8.75	7.6	7.43	9.82	7.35	7.52	6.75	5.73	5.31	2.13	2.69	4.01	4.83
High Price	9.96	11.43	11.71	8.71	10.28	11.93	10.86	8.8	7.8	7.02	7.06	5.49	4	5.95	6.36
Enterprise Value Average	326	439	348	303	272	380	340	344	304	266	266	160	109	129	217
Enterprise Value High	464	516	532	386	432	562	498	395	346	321	326	251	171	269	298
Enterprise Value Low	265	333	242	230	182	270	247	289	259	145	213	73	54	61	124

Shares Outstanding	50	50	50	50	50	50	50	50	50	51	50	50	50	50	50
Diluted Weighted Avg Shares	50	50	50	50	50	50	50	50	46	50	50	51	51	51	52
Basic Weighted Avg Shares	50	50	50	50	50	50	50	50	46	50	50	50	50	50	50
Revenue per Share	3.9	4.05	4.27	4.6	4.72	4.9	5.04	4.87	5.49	4.78	5.04	4.64	4.84	4.91	5.08
EBITDA per Share	- -	- -	0.14	-0.06	- -	- -	-0.06	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	0.14	-0.06	- -	- -	-0.06	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.17	0.09	0.1	-0.12	-0.06	0.04	-0.76	-0.22	-0.03	-0.22	1.46	0.52	0.49	0.3	0.29
Basic EPS from Cont Ops	0.17	0.09	0.1	-0.12	-0.06	0.04	-0.76	-0.22	-0.03	-0.22	1.46	0.52	0.49	0.3	0.29
Diluted EPS, GAAP	0.17	0.09	0.1	-0.12	-0.06	0.04	-0.76	-0.22	-0.03	-0.22	1.44	0.51	0.48	0.29	0.28
Diluted EPS from Cont Ops	0.17	0.09	0.1	-0.12	-0.06	0.04	-0.76	-0.22	-0.03	-0.22	1.44	0.51	0.48	0.29	0.28
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	1.29	1.39	1.63	1.96	1.74	2.04	1.86	1.69	1.58	0.98	0.81	1.14	0.44	0.64	0.36
Free Cash Flow per Basic Share	1.25	1.37	1.62	1.95	1.73	2	1.83	1.68	1.57	0.97	0.79	1.13	0.43	0.63	0.35
Cash & Equivalents per Share	11	13.24	13.18	15.13	16.35	18.32	20.38	25.65	28.38	30.16	29.94	24.16	25.55	25.02	0.99
Book Value per Share	4.96	5.25	4.91	5.16	4.93	4.97	4.46	3.75	5.17	5.96	6.41	2.56	3.47	4.21	4.67
Tangible Book Value per Share	4.04	4.39	4.08	4.32	4.14	4.22	3.84	3.48	4.9	5.69	6.39	2.56	3.47	4.21	4.67

Citizens, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)