Citizens

Citizens Cash Conversion

The Cash Conversion Rate (OCF/Net Income) of Citizens (CIA) as of Nov 1, 2026 is 123.27 %. In the previous year, Cash Conversion Rate (OCF/Net Income) was 214.04 % — a change of -42.41% (lower).

Cash Conversion

123.27 %

YoY

-42.41%

Last updated:

Cash Conversion Rate (OCF/Net Income) of Citizens is 2025 123.27 % . Cash Conversion Rate (OCF/Net Income) of Citizens was 2024 214.04 % . It decreases by -42.41% lower compared to the previous year.

The Citizens Cash Conversion history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

Cash Conversion
Date
Cash Conversion
Jan 1, 2018
-764.96 USD
Jan 1, 2019
-5,271.75 USD
Jan 1, 2020
-444.43 USD
Jan 1, 2021
55.64 USD
Jan 1, 2022
218.86 USD
Jan 1, 2023
90.26 USD
Jan 1, 2024
214.04 USD
Jan 1, 2025
123.27 USD
The Citizens Cash Conversion history
YEARCash ConversionYoY
123.27 %-42.41%
214.04 %+137.15%
90.26 %-58.76%
218.86 %+293.34%
55.64 %-112.52%
-444.43 %-91.57%
-5,271.75 %+589.15%
-764.96 %+213.57%
-243.95 %-104.70%
5,194.06 %-287.31%
-2,772.92 %+69.04%
-1,640.44 %—

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Citizens Stock analysis

What does Citizens do? Citizens Inc is an American company based in Austin, Texas. The company, originally founded as an insurance company, has evolved over time into a diverse financial services provider. Citizens Inc's history begins in 1969 when it was founded by Harold E. Riley in Austin, Texas. Business Model Citizens Inc is a life insurance company that offers various products and services. The company primarily offers life insurance, annuities, and investment products. In recent years, the company has expanded its portfolio and also offers health insurance and accident insurance. Divisions Citizens Inc is divided into several business segments: insurance, distribution, annuity funds, and administration. - Insurance: The main business segment of Citizens Inc is life and annuity insurance. The company offers various types of life insurance, including permanent life insurance, term life insurance, annuities, and health insurance. These products are offered by the subsidiary, Citizens National Life Insurance Company. - Distribution: Citizens Inc operates a comprehensive distribution network in the USA, Puerto Rico, and the Virgin Islands. The company distributes its products through independent brokers and agents. - Annuity Funds: Citizens Inc also offers annuity funds and investment products to its customers. These products are part of the subsidiary, First Citizens Asset Management, Inc. - Administration: Citizens Inc also provides a wide range of administration services. The company offers services such as investment management, accounting, and consulting. Products Citizens Inc offers various products, including: - Life Insurance: Permanent life insurance, term life insurance, annuities, health insurance. - Annuity Funds: Term annuities, long-term annuities, variable return annuities. - Investment Products: Stock funds, bond funds, index funds. History Citizens Inc was originally founded in 1969 by Harold E. Riley, a former top official of the Department of Agriculture. At that time, the company focused exclusively on life insurance. In 1975, the company went public and raised capital through the sale of additional shares. In the 1990s, the company expanded its business and began offering annuities and investment products. In 1994, the company established the subsidiary, First Citizens Asset Management, Inc., to expand its offering of investment products. In 1998, Citizens Inc acquired a health insurance company in Puerto Rico to expand its offering of health insurance. In the late 2000s, the company further expanded into the health insurance sector and began offering accident insurance. Conclusion Citizens Inc is an Austin, Texas-based company specializing in life insurance, annuities, and investment products. The company has expanded its offerings in recent years to include health insurance and accident insurance. Citizens Inc operates a comprehensive distribution network in the USA, Puerto Rico, and the Virgin Islands. The company has experienced strong growth in recent years and has become a significant player in the US insurance market. Citizens is one of the most popular companies on Eulerpool.

Frequently Asked Questions about Citizens stock

Cash Conversion Rate (OCF/Net Income) of Citizens is 123.27 % in 2025.

Cash Conversion Rate (OCF/Net Income) of Citizens changed from 214.04 % to 123.27 %, representing a -42.41% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Cash Conversion Rate (OCF/Net Income) Citizens since 2006 – with annual values, charts, and detailed analysis.

Cash conversion measures how effectively net income converts to operating cash flow. Ratios above 100% indicate high-quality, cash-backed earnings.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Cash Conversion Rate (OCF/Net Income)'s Citizens with sector peers and the industry average to assess whether it is attractive.

To evaluate Cash Conversion Rate (OCF/Net Income)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Cash Conversion Rate (OCF/Net Income).

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Cash Flow — Citizens

Operating Cash FlowCapital ExpendituresFree Cash FlowFCF per ShareDividends PaidShare BuybacksInvesting Cash FlowFinancing Cash FlowCapEx / RevenueCash Flow per ShareStock-Based CompensationChange in Working CapitalAcquisitions (Net)Net Change in CashCapEx/OCFFCF/Net IncomeFCF ConversionCash ConversionTotal Shareholder PayoutCapEx/D&A

All Key Metrics — Citizens