Citizens Inc - Asset Resilience Ratio
Citizens Inc (CIA) has an Asset Resilience Ratio of 1.18% as of March 2026. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Check CIA PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (1995–2025)
This chart shows how Citizens Inc's Asset Resilience Ratio has changed over time. See CIA net asset quality index to measure how much of total assets are equity-financed.
Liquid Assets Composition Over Time
This chart breaks down Citizens Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see CIA stock market capitalisation.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $20.42 Million | 1.18% |
| Total Liquid Assets | $20.42 Million | 1.18% |
Asset Resilience Insights
- Limited Liquidity: Citizens Inc maintains only 1.18% of assets in liquid form.
- This low level may indicate efficient asset utilization but could pose risks during economic downturns.
- The company has significant short-term investments, indicating active treasury management.
Citizens Inc Industry Peers by Asset Resilience Ratio
Compare Citizens Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Power Corporation Of Canada
TO:POW |
Insurance - Life | 1.79% |
|
DISCOVERY LTD(UNSP.ADR)/3
F:D3H0 |
Insurance - Life | 0.00% |
|
New China Life Insurance Company Ltd
F:NCL |
Insurance - Life | 29.93% |
|
Challenger Ltd
AU:CGF |
Insurance - Life | 2.14% |
|
Hapvida Participações e Investimentos S.A.
SA:HAPV3 |
Insurance - Life | 10.15% |
|
Clearview Wealth Ltd
AU:CVW |
Insurance - Life | 22.11% |
|
Nobleoak Life Ltd
AU:NOL |
Insurance - Life | 11.03% |
|
Manulife Financial Corp
TO:MFC |
Insurance - Life | 3.54% |
Annual Asset Resilience Ratio for Citizens Inc (1995–2025)
The table below shows the annual Asset Resilience Ratio data for Citizens Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2025-12-31 | 2.92% | $51.30 Million | $1.75 Billion | +0.22pp |
| 2024-12-31 | 2.71% | $45.60 Million | $1.69 Billion | +0.43pp |
| 2023-12-31 | 2.28% | $38.01 Million | $1.67 Billion | -73.40pp |
| 2022-12-31 | 75.68% | $1.20 Billion | $1.59 Billion | -5.09pp |
| 2021-12-31 | 80.77% | $1.50 Billion | $1.85 Billion | -1.87pp |
| 2020-12-31 | 82.65% | $1.52 Billion | $1.84 Billion | +0.95pp |
| 2019-12-31 | 81.69% | $1.43 Billion | $1.74 Billion | +2.19pp |
| 2018-12-31 | 79.50% | $1.28 Billion | $1.62 Billion | +17.43pp |
| 2017-12-31 | 62.07% | $1.02 Billion | $1.64 Billion | +4.12pp |
| 2016-12-31 | 57.95% | $917.69 Million | $1.58 Billion | +8.36pp |
| 2015-12-31 | 49.59% | $735.90 Million | $1.48 Billion | -0.30pp |
| 2014-12-31 | 49.89% | $707.23 Million | $1.42 Billion | +0.13pp |
| 2013-12-31 | 49.76% | $605.26 Million | $1.22 Billion | -1.89pp |
| 2012-12-31 | 51.65% | $606.86 Million | $1.17 Billion | +51.46pp |
| 2011-12-31 | 0.19% | $2.05 Million | $1.09 Billion | -5.45pp |
| 2010-12-31 | 5.64% | $55.62 Million | $986.51 Million | +5.37pp |
| 2009-12-31 | 0.27% | $2.51 Million | $927.33 Million | +0.00pp |
| 2008-12-31 | 0.27% | $2.25 Million | $832.28 Million | -1.97pp |
| 2007-12-31 | 2.24% | $17.65 Million | $787.91 Million | -1.07pp |
| 2006-12-31 | 3.31% | $23.54 Million | $711.18 Million | -0.30pp |
| 2005-12-31 | 3.61% | $23.92 Million | $661.89 Million | -0.06pp |
| 2004-12-31 | 3.68% | $24.32 Million | $661.21 Million | -1.93pp |
| 2003-12-31 | 5.61% | $21.87 Million | $390.09 Million | -0.70pp |
| 2002-12-31 | 6.31% | $20.60 Million | $326.29 Million | -0.77pp |
| 2001-12-31 | 7.08% | $19.98 Million | $282.09 Million | -0.71pp |
| 2000-12-31 | 7.80% | $20.88 Million | $267.84 Million | -1.52pp |
| 1999-12-31 | 9.32% | $23.81 Million | $255.48 Million | +9.20pp |
| 1998-12-31 | 0.12% | $300.00K | $253.38 Million | 0.00pp |
| 1997-12-31 | 0.12% | $300.00K | $249.52 Million | +0.03pp |
| 1996-12-31 | 0.09% | $200.00K | $214.45 Million | -1.97pp |
| 1995-12-31 | 2.06% | $3.09 Million | $149.80 Million | -- |
About Citizens Inc
Citizens, Inc., is a diversified financial services company providing life, living benefits and final expense insurance and other financial products to individuals and small businesses in the U.S., Latin America, and Asia. The company operates in two segments, Life Insurance and Home Service Insurance. The Life Insurance segment sells U.S. dollar-denominated whole life insurance, endowment, and c… Read more