Citizens Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Apr '26 Apr 29, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	2020 - 2016
Market Capitalization	278	243	200	133	107	264	Upgrade
Market Cap Growth	39.36%	21.39%	50.14%	25.15%	-59.71%	-8.67%	Upgrade
Enterprise Value	274	221	168	117	86	234	Upgrade
PE Ratio	20.46	16.65	13.42	5.46	4.10	3.64	Upgrade
PS Ratio	1.13	0.95	0.82	0.55	0.46	1.06	Upgrade
PB Ratio	1.23	1.03	0.95	0.77	0.83	0.83	Upgrade
P/FCF Ratio	16.43	13.85	6.40	6.17	1.88	6.70	Upgrade
P/OCF Ratio	16.02	13.51	6.27	6.04	1.87	6.54	Upgrade
EV/Sales Ratio	1.07	0.87	0.69	0.48	0.37	0.94	Upgrade
EV/EBITDA Ratio	15.05	12.16	10.75	4.37	3.06	5.29	Upgrade
EV/EBIT Ratio	15.69	12.67	11.20	4.45	3.12	5.43	Upgrade
EV/FCF Ratio	15.63	12.62	5.37	5.39	1.51	5.94	Upgrade
Debt / Equity Ratio	0.03	0.03	-	-	-	-	Upgrade
Debt / EBITDA Ratio	0.40	0.40	-	-	-	-	Upgrade
Debt / FCF Ratio	0.42	0.42	-	-	-	-	Upgrade
Net Debt / Equity Ratio	-0.06	-0.06	-0.13	-0.16	-0.18	-0.08	Upgrade
Net Debt / EBITDA Ratio	-0.77	-0.77	-1.78	-1.01	-0.82	-0.62	Upgrade
Net Debt / FCF Ratio	-0.80	-0.80	-0.89	-1.25	-0.40	-0.69	Upgrade
Quick Ratio	0.35	0.35	0.43	0.46	0.41	0.41	Upgrade
Current Ratio	0.68	0.68	0.71	0.70	0.65	0.64	Upgrade
Asset Turnover	0.15	0.15	0.15	0.15	0.14	0.14	Upgrade
Return on Equity (ROE)	6.55%	6.55%	7.80%	16.30%	11.60%	23.40%	Upgrade
Return on Assets (ROA)	0.64%	0.64%	0.56%	1.00%	0.99%	1.46%	Upgrade
Return on Invested Capital (ROIC)	6.14%	6.34%	7.80%	16.30%	11.60%	13.88%	Upgrade
Earnings Yield	5.06%	6.01%	7.45%	18.33%	24.42%	27.50%	Upgrade
FCF Yield	6.09%	7.22%	15.62%	16.21%	53.35%	14.92%	Upgrade
Buyback Yield / Dilution	-1.40%	-1.40%	-0.13%	0.37%	-0.44%	0.58%	Upgrade

Source: S&P Capital IQ. Insurance template. Financial Sources.