Citizens Inc Dossier
Valuation
How Intrinsic Value compares with model outputs
Intrinsic Value $2.58median of 2 methodsbased on filings through 30 Jun 2026
Market Price $3.47Price as of 1 Oct 2026
Valuation methods vs. Market Price
$0$2$4$6$8$10
DCF
$6.88
DNI
$5.33
P/S
$3.98◇ $3.93
P/E
$1.35◇ $1.76
P/B
$3.81◇ $2.67
PEG
$1.37
$0$2$4$6$8$10
Market Price ($3.47) Intrinsic Value ($2.58) peer-implied value
Company vs. peer median Members
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Assumptions
| Parameter | Value |
|---|---|
| Years 1–5: analyst growth pathFive-year total matches analyst consensus exactly. Year 1: 9.5% (near-term consensus, capped) · years 2–5: 2.7%/yr (balance of the path). | 4.0% per year |
Years 6–10: glide to demonstrated growth own history 43.1%, capped at 20%Per-year ratesYr 62.9%Yr 73.2%Yr 83.5%Yr 93.7%Yr 104.0% | 2.7% → 4.0% |
Years 11–20: glide to long-run ratePer-year ratesYr 113.9%Yr 123.8%Yr 133.7%Yr 143.6%Yr 153.5%Yr 163.4%Yr 173.3%Yr 183.2%Yr 193.1%Yr 203.0% | 4.0% → 3.0% |
| Beyond year 20: terminal growthPerpetual long-run rate | 3.0% |
| Historical EPS growth (multi-year median)median of 1 window (7y) (limited history) | 43.1% |
| Discount rate (cost of equity) | 7.8% |
| Volatility vs market (adjusted beta) | 0.64 |
Valuation Detail Members
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Assumptions Sandbox Members
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Best value in each row is highlighted. Figures are periodic snapshots from the same filings used across each dossier; a dash means the figure is not available.