Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $245M | $253M | $244M | $251M | $239M | $251M | $233M | $241M | $245M | $256M |
| Revenue growth | — | 2.9% | -3.4% | 2.7% | -4.7% | 4.9% | -7.2% | 3.5% | 1.8% | 4.3% |
| Net income | $1.97M | -$38.1M | -$11.1M | -$1.37M | -$11.0M | $72.7M | $26.0M | $24.4M | $14.9M | $14.6M |
| Net margin | 0.8% | -15.1% | -4.5% | -0.5% | -4.6% | 29.0% | 11.2% | 10.2% | 6.1% | 5.7% |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $102M | $93.0M | $84.6M | $72.2M | $48.8M | $40.5M | $56.9M | $22.1M | $31.9M | $18.0M |
| Capital expenditures | $2.21M | $1.33M | $724K | $511K | $221K | $1.01M | $100K | $442K | $663K | $447K |
| Free cash flow | $100M | $91.7M | $83.9M | $71.7M | $48.6M | $39.4M | $56.8M | $21.6M | $31.3M | $17.5M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $35.5M | $46.1M | $45.5M | $46.2M | $34.1M | $27.3M | $23.0M | $27.0M | $29.3M | $23.0M |
| Total assets | $1.58B | $1.64B | $1.62B | $1.74B | $1.84B | $1.85B | $1.59B | $1.67B | $1.69B | $1.75B |
| Total liabilities | $1.33B | $1.42B | $1.43B | $1.49B | $1.54B | $1.53B | $1.46B | $1.50B | $1.47B | $1.52B |
| Shareholders' equity | $249M | $224M | $188M | $260M | $301M | $100.0M | $128M | $172M | $210M | $235M |
| Retained earnings | -$16.2M | -$54.4M | -$69.6M | -$71.0M | -$82.4M | -$45.6M | $16.3M | $42.1M | $57.1M | $71.7M |
| Shares (wtd avg diluted) | 50.1M | 50.1M | 50.1M | 50.3M | 50.9M | 50.6M | 50.9M | 50.7M | — | — |
Every figure is extracted from CITIZENS, INC.’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.