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Citizens (CIA) investor relations material
Citizens Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net income before federal income tax for Q3 2025 rose to $4.5M from $3.0M in Q3 2024, driven by higher investment and other income, partially offset by investment losses related to a BlackRock write-down.
Achieved record number of producing agents, up 19% year-over-year and 29% since year-end 2024, driving growth in new business.
Highest-ever total direct insurance in force at $5.38 billion, up 3.7% from the prior year.
Year-to-date (YTD) net income before tax decreased to $9.6M from $11.3M YTD 2024, mainly due to investment losses and higher insurance benefits, despite increased premium revenue.
Book value per share of Class A common stock was $4.49; adjusted book value per share was $6.26.
Financial highlights
Q3 2025 total revenues increased by $1.1M year-over-year, with a $1.7M rise in net investment income and a $1.0M increase in other income.
Total revenues in Q3 2025 were $62.8M, up from $61.7M in Q3 2024; adjusted total revenues rose 5% to $64.1M.
Adjusted net income increased 70% to $3.4M ($0.07 per share) from $2.0M ($0.04 per share) year-over-year.
Net investment income for Q3 was $19.1M, up from $17.4M in Q3 2024, aided by a one-time $1.7M dividend.
Premium revenue grew 4% in Q3 and 6% YTD, driven by new product sales and expanded distribution, especially in the Life Insurance segment.
Outlook and guidance
Expects continued revenue and profit growth for full year 2026, with improving operating leverage.
Anticipates continued elevated matured endowment benefits through 2025, then a gradual decline.
Expects ongoing growth in domestic Life Insurance, with product mix shifting toward whole life products with lower margins.
Positive long-term outlook supported by expanding global business model and favorable demographic trends.
Quantify 2026 impact of reduced maturities
New investment strategy's risk/return profile
Agent productivity trends and operating leverage
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Frequently asked questions
Citizens, Inc. is an insurance holding company that provides life, living benefits, and final expense insurance to individuals and small businesses. The company operates through two main segments: Life Insurance and Home Service Insurance. The Life Insurance segment focuses on offering U.S. dollar-denominated whole life, endowment, and critical illness policies to residents outside the United States, primarily in Latin America and the Pacific Rim. Domestically, it sells a variety of life insurance products, including those with living benefits and credit life and disability insurance, across the U.S. The Home Service Insurance segment caters to middle- and lower-income households in Louisiana, Mississippi, and Arkansas, offering final expense life insurance and other related products. The company is headquartered in Austin, Texas, and its shares are listed on the NYSE.
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