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Citizens (CIA) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 5, 2026 · Citizens (CIA) Q3 2026 earnings results →
Q3 2026 Revenue up 4% year over year to $65.0M · 1¢ of every $1 of revenue lost · operating margin 0.2%
Citizens made $65.0M in Q3 2026 (+4% Y/Y). Operating margin 0.2%, net loss $422K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 5, 2026.
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What changed this quarter
Revenue was $65.0M in Q3 2026, up 4% year over year and up 8% from the previous quarter.
Operating profit was $142K, a 0.2% margin (down 6.9 points year over year). Operating profit fell $4.3M even though revenue rose $2.2M versus Q3 2025, so costs grew faster than sales. Total costs grew 11% against revenue growth of 4%. The quarter ended with a net loss of $422K, narrower than the previous quarter's $425K loss.
Operating cash flow was $11.3M (up 141% year over year). Non-cash charges added back $195K of depreciation. Working capital and other items added $11.5M. Capital expenditures of $532K left free cash flow of $10.7M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 5, 2026 | $65.0M | +4% | 0.2% | −$422K | $11.3M |
| Q2 2026 | 10-Q | Aug 6, 2026 | $60.4M | -7% | -0.9% | −$425K | $2.0M |
| Q1 2026 | 10-Q | May 7, 2026 | $59.7M | +7% | 4.0% | $2.3M | −$323K |
| Q4 2025 | 10-K | Mar 12, 2026 | $72.1M | +14% | 10.9% | $7.3M | $9.1M |
| Q3 2025 | 10-Q | Nov 6, 2025 | $62.8M | +2% | 7.1% | $2.4M | $4.7M |
| Q2 2025 | 10-Q | Aug 7, 2025 | $65.1M | +5% | 10.6% | $6.5M | $3.5M |
| Q1 2025 | 10-Q | May 8, 2025 | $55.7M | -4% | -3.2% | −$1.6M | $748K |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About Citizens
Incorporated in Colorado and based in Austin, Texas, Citizens, Inc. ("Citizens" or the "Company") is an insurance holding company. Since 1969 it has addressed the life insurance needs of people in the United States, and since 1975, it has extended life insurance offerings to clients worldwide. Through our international insurance subsidiary, we provide insurance benefits to residents in over 80 different countries, and through our domestic insurance subsidiaries, we are licensed to issue insurance products in 43 U.S. states. We pursue a strategy of offering insurance products in niche markets where we believe we are able to achieve competitive advantages. We had approximately $1.8 billion of assets and over $5.4 billion of direct insurance in force at December 31, 2025.
In its own words, from its 10-K, filed Mar 12, 2026.
Citizens against its Life Insurance peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +4% against the peers' median +8%. Operating margin: 0.2% against the peers' median 8.9%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| CIA Citizens | Q3 2026 | $65.0M | +4% | 0.2% |
| MET Metlife | Q3 2026 | $20.5B | +18% | 8.9% |
| PRU Prudential Financial | Q3 2026 | $14.4B | -19% | 11.4% |
| Metropolitan Life Insurance | Q2 2026 | $9.6B | +2% | 6.0% |
| RGA Reinsurance Group of America | Q3 2026 | $7.5B | +22% | 8.3% |
| CRBG Corebridge Financial | Q3 2026 | $6.2B | +14% | 37.7% |
| LNC Lincoln National | Q3 2026 | $5.5B | +20% | 31.7% |
| Lincoln National Life Insurance | Q2 2026 | $4.3B | +8% | 25.2% |
| ATH-PA Athene Holding | Q3 2026 | $3.1B | -62% | -56.7% |
Source: Citizens 10-Q on SEC EDGAR · CIK 24090 · Life Insurance
Guidance and outlook
13F: who owns CIA and who is buying
More on CIA
History
Every quarter: Q3 2026 results · Q2 2026 results · Q1 2026 results · Q4 2025 results · Q3 2025 results · Q2 2025 results · Q1 2025 results