Citizens, Inc. (FRA:YCX)
Germany flag Germany · Delayed Price · Currency is EUR
4.340
0.00 (0.00%)
At close: Dec 5, 2025

Citizens Statistics

Total Valuation

Citizens has a market cap or net worth of EUR 218.34 million. The enterprise value is 199.80 million.

Market Cap 218.34M
Enterprise Value 199.80M

Important Dates

The next estimated earnings date is Tuesday, March 10, 2026.

Earnings Date Mar 10, 2026
Ex-Dividend Date n/a

Share Statistics

Current Share Class 50.30M
Shares Outstanding n/a
Shares Change (YoY) +1.63%
Shares Change (QoQ) +1.15%
Owned by Insiders (%) 2.10%
Owned by Institutions (%) 26.20%
Float 45.12M

Valuation Ratios

The trailing PE ratio is 23.56 and the forward PE ratio is 17.83.

PE Ratio 23.56
Forward PE 17.83
PS Ratio 1.04
PB Ratio 1.14
P/TBV Ratio 1.14
P/FCF Ratio 13.29
P/OCF Ratio 12.99
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 16.56, with an EV/FCF ratio of 12.16.

EV / Earnings 21.56
EV / Sales 0.94
EV / EBITDA 16.56
EV / EBIT 17.45
EV / FCF 12.16

Financial Position

The company has a current ratio of 0.79

Current Ratio 0.79
Quick Ratio 0.48
Debt / Equity n/a
Debt / EBITDA n/a
Debt / FCF n/a
Interest Coverage n/a

Financial Efficiency

Return on equity (ROE) is 5.02% and return on invested capital (ROIC) is 3.84%.

Return on Equity (ROE) 5.02%
Return on Assets (ROA) 0.48%
Return on Invested Capital (ROIC) 3.84%
Return on Capital Employed (ROCE) 0.81%
Revenue Per Employee 845,523
Profits Per Employee 37,221
Employee Count 250
Asset Turnover 0.14
Inventory Turnover n/a

Taxes

In the past 12 months, Citizens has paid 2.09 million in taxes.

Income Tax 2.09M
Effective Tax Rate 18.38%

Stock Price Statistics

The stock price has increased by +5.85% in the last 52 weeks.

Beta (5Y) n/a
52-Week Price Change +5.85%
50-Day Moving Average 4.66
200-Day Moving Average 3.97
Relative Strength Index (RSI) 43.02
Average Volume (20 Days) n/a

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) 32.94

Income Statement

In the last 12 months, Citizens had revenue of EUR 210.54 million and earned 9.27 million in profits. Earnings per share was 0.18.

Revenue 210.54M
Gross Profit 55.36M
Operating Income 11.35M
Pretax Income 11.35M
Net Income 9.27M
EBITDA 11.96M
EBIT 11.35M
Earnings Per Share (EPS) 0.18
Full Income Statement

Balance Sheet

The company has 18.38 million in cash and n/a in debt, giving a net cash position of 18.38 million.

Cash & Cash Equivalents 18.38M
Total Debt n/a
Net Cash 18.38M
Net Cash Per Share n/a
Equity (Book Value) 192.28M
Book Value Per Share 3.82
Working Capital -16.80M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 16.80 million and capital expenditures -379,274, giving a free cash flow of 16.43 million.

Operating Cash Flow 16.80M
Capital Expenditures -379,274
Free Cash Flow 16.43M
FCF Per Share n/a
Full Cash Flow Statement

Margins

Gross margin is 26.30%, with operating and profit margins of 5.39% and 4.40%.

Gross Margin 26.30%
Operating Margin 5.39%
Pretax Margin 5.39%
Profit Margin 4.40%
EBITDA Margin 5.68%
EBIT Margin 5.39%
FCF Margin 7.80%

Dividends & Yields

Citizens does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield -1.63%
Shareholder Yield -1.63%
Earnings Yield 4.24%
FCF Yield 7.52%

Stock Splits

This stock does not have any record of stock splits.

Last Split Date n/a
Split Type n/a
Split Ratio n/a

Scores

Altman Z-Score n/a
Piotroski F-Score 5