Citizens Inc - Asset Resilience Ratio
Citizens Inc (CIA) has an Asset Resilience Ratio of 1.17% 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. Read total liabilities of Citizens Inc for a breakdown of total debt and financial obligations.
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 Citizens Inc free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
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 the complete balance sheet picture, see Citizens Inc balance sheet assets.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $20.42 Million | 1.17% |
| Total Liquid Assets | $20.42 Million | 1.17% |
Asset Resilience Insights
- Limited Liquidity: Citizens Inc maintains only 1.17% 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 |
|---|---|---|
|
China Life Insurance Co Ltd A
SHG:601628 |
Insurance - Life | 40.03% |
|
Menora Miv Hld
TA:MMHD |
Insurance - Life | 11.70% |
|
Max Financial Services Limited
NSE:MFSL |
Insurance - Life | 0.29% |
|
Prudential plc
F:PRU2 |
Insurance - Life | 0.00% |
|
Challenger Ltd
AU:CGF |
Insurance - Life | 2.14% |
|
Clearview Wealth Ltd
AU:CVW |
Insurance - Life | 22.11% |
|
Nobleoak Life Ltd
AU:NOL |
Insurance - Life | 11.03% |
|
Hapvida Participações e Investimentos S.A.
SA:HAPV3 |
Insurance - Life | 9.46% |
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 | -71.26pp |
| 2024-12-31 | 74.18% | $1.25 Billion | $1.69 Billion | -1.67pp |
| 2023-12-31 | 75.86% | $1.27 Billion | $1.67 Billion | +0.18pp |
| 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