Citizens Stock

Citizens ROE

The Return on Equity (ROE) of Citizens (CIA) as of Aug 5, 2026 is 6.21 %. In the previous year, Return on Equity (ROE) was 7.09 % — a change of -12.41% (lower).

ROE

6.21 %

YoY

-12.41%

Last updated:

In 2026, Citizens's return on equity (ROE) was 6.21 %, a -12.41% increase from the 7.09 % ROE in the previous year.

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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.

ROE Details

Decoding Citizens's Return on Equity (ROE)

Citizens's Return on Equity (ROE) is a fundamental metric evaluating the company's profitability relative to its equity. Calculated by dividing net income by shareholder's equity, ROE illustrates how effectively the company is generating profits from shareholders’ investments. A higher ROE represents enhanced efficiency and profitability.

Year-to-Year Comparison

Analyzing Citizens's ROE on a yearly basis aids in tracking its profitability trends and financial performance. An increasing ROE suggests enhanced profitability and value generation for shareholders, whereas a declining ROE may indicate issues in profit generation or equity management.

Impact on Investments

Citizens's ROE is instrumental for investors assessing the company's profitability, efficiency, and investment attractiveness. A robust ROE indicates the firm’s adeptness at converting equity investments into profits, thereby enhancing its appeal to potential and current investors.

Interpreting ROE Fluctuations

Changes in Citizens’s ROE can emanate from variations in net income, equity capital, or both. These fluctuations are scrutinized to evaluate management’s effectiveness, financial strategies, and the inherent risks and opportunities, aiding investors in making informed decisions.

Frequently Asked Questions about Citizens stock

Return on Equity (ROE) of Citizens is 6.21 % in 2026.

Return on Equity (ROE) of Citizens changed from 7.09 % to 6.21 %, representing a -12.41% change. The value is lower than the previous year.

On Eulerpool you can find the complete historical development of Return on Equity (ROE) Citizens since 2006 – with annual values, charts, and detailed analysis.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Equity (ROE)'s Citizens with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Equity (ROE)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Equity (ROE).

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Profitability — Citizens

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