Citizens Stock

Citizens EV/EBIT

The EV/EBIT (Enterprise Value to EBIT) of Citizens (CIA) as of Aug 10, 2026 is 13.33. In the previous year, EV/EBIT (Enterprise Value to EBIT) was 15.55 — a change of -14.25% (lower).

EV/EBIT

13.33

YoY

-14.25%

Last updated:

EV/EBIT (Enterprise Value to EBIT) of Citizens is 2026 13.33 . EV/EBIT (Enterprise Value to EBIT) of Citizens was 2025 15.55 . It decreases by -14.25% lower compared to the previous year.

The Citizens EV/EBIT history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

PRICE-TO-EBIT
Date
PRICE-TO-EBIT
Jan 1, 2019
58.17 base
Jan 1, 2020
-23.85 base
Jan 1, 2021
8.62 base
Jan 1, 2022
3.88 base
Jan 1, 2023
0.69 base
Jan 1, 2024
13.36 base
Jan 1, 2025
14.10 base
Jan 1, 2026 (e)
9.44 base
YEARPRICE-TO-EBIT
2026 est 9.44
2025 14.10
2024 13.36
2023 0.69
2022 3.88
2021 8.62
2020 -23.85
2019 58.17
2018 188.68
2017 -123.28
2016 89.70
2015 -191.51
2014 -195.19
2013 63.23
2012 91.68
2011 41.87
2010 20.13
2009 15.75
2008 -36.28
2007 10.37
2006 20.43
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Citizens Valuation

Details

Historical Valuation Multiples

Price-to-Earnings Ratio (P/E)

The P/E ratio divides Citizens's share price by its earnings per share. It tells you how many years of current earnings you are "paying for" when you buy the stock. A P/E of 20 means you pay $20 for every $1 of annual earnings. The S&P 500 historically trades at an average P/E of roughly 15–17. A P/E significantly above that may signal high growth expectations; one below may indicate undervaluation — or declining business quality.

Price-to-Sales Ratio (P/S)

The P/S ratio divides market capitalization by total revenue. Unlike the P/E ratio, it works even for companies that are not yet profitable, making it essential for evaluating high-growth firms. A P/S below 1.0 may indicate undervaluation, while ratios above 10 are typically reserved for fast-growing tech or SaaS companies with high expected future margins.

Price-to-EBIT Ratio

This ratio relates Citizens's market price to its operating earnings, excluding the effects of debt structure and tax jurisdiction. It is particularly useful for comparing companies across different countries or with different levels of leverage, because it focuses purely on operational profitability. Lower values suggest cheaper operational earnings.

How to Use This Chart

This chart plots Citizens's valuation multiples over time. Compare the current P/E, P/S, and P/EBIT to their own historical averages — if the current ratio is well below the multi-year average, the stock may be relatively cheap compared to its own track record. Combine this with industry comparisons: a P/E that looks high in absolute terms may be justified if Citizens grows earnings faster than its peers.

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

EV/EBIT (Enterprise Value to EBIT) of Citizens is 13.33 in 2026.

EV/EBIT (Enterprise Value to EBIT) of Citizens changed from 15.55 to 13.33, representing a -14.25% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of EV/EBIT (Enterprise Value to EBIT) Citizens since 2006 – with annual values, charts, and detailed analysis.

The EV/EBIT ratio measures a company's enterprise value relative to its operating earnings. It accounts for debt, making it useful for comparing companies with different capital structures.

EV/EBIT = Enterprise Value / Earnings Before Interest and Taxes

To evaluate EV/EBIT (Enterprise Value to EBIT)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for EV/EBIT (Enterprise Value to EBIT).

A 'good' varies by industry and company stage. On Eulerpool, you can compare EV/EBIT (Enterprise Value to EBIT)'s Citizens with sector peers and the industry average to assess whether it is attractive.

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Valuation — Citizens

All Key Metrics — Citizens