Citizens Inc (CIA) — Defensive Interval Ratio
Citizens Inc (CIA) has a Defensive Interval Ratio of 474 days as of March 2026. Defensive assets of $63.55 Million (cash $-, short-term investments $20.42 Million, receivables $43.13 Million) cover 474 days of daily cash needs of $134.04K/day.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
Citizens Inc Defensive Interval Ratio (1991–2025)
This chart shows how Citizens Inc's Defensive Interval Ratio has evolved across 30 annual periods from 1991 to 2025. As of March 2026, the ratio stands at 474 days, meaning defensive assets of $63.55 Million can fund 474 days of operations without new revenue. For the complete balance sheet picture, see CIA total assets.
Annual Defensive Interval Ratio for Citizens Inc (1991–2025)
The table below presents the year-by-year Defensive Interval Ratio for Citizens Inc from 1991 to 2025, covering 30 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. See working capital to net assets of Citizens Inc to evaluate short-term liquidity relative to the company's equity base.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 703 days | $92.42 Million | $131.53K/day | $22.98 Million | $28.32 Million | ▼ -51796 days |
| 2024 | 52499 days | $1.27 Billion | $24.17K/day | $29.27 Million | $1.22 Billion | ▲ +6510 days |
| 2023 | 45989 days | $1.27 Billion | $27.62K/day | $27.00 Million | $1.24 Billion | ▲ +906 days |
| 2022 | 45083 days | $1.22 Billion | $27.08K/day | $22.97 Million | $1.18 Billion | ▲ +7183 days |
| 2021 | 37900 days | $1.51 Billion | $39.97K/day | $27.29 Million | $1.47 Billion | ▼ -4680 days |
| 2020 | 42580 days | $1.54 Billion | $36.18K/day | $34.13 Million | $1.49 Billion | ▼ -22721 days |
| 2019 | 65301 days | $1.44 Billion | $22.08K/day | $46.20 Million | $1.38 Billion | ▲ +2915 days |
| 2018 | 62386 days | $1.30 Billion | $20.86K/day | $45.49 Million | $1.24 Billion | ▲ +18884 days |
| 2017 | 43502 days | $1.03 Billion | $23.59K/day | $46.06 Million | $974.61 Million | ▲ +8282 days |
| 2016 | 35220 days | $920.34 Million | $26.13K/day | $35.51 Million | $882.18 Million | ▲ +7282 days |
| 2015 | 27938 days | $738.86 Million | $26.45K/day | $- | $735.90 Million | ▲ +853 days |
| 2014 | 27085 days | $709.40 Million | $26.19K/day | $- | $707.23 Million | ▲ +3707 days |
| 2013 | 23378 days | $607.70 Million | $25.99K/day | $- | $605.26 Million | ▲ +2591 days |
| 2012 | 20787 days | $627.31 Million | $30.18K/day | $- | $606.86 Million | ▲ +18011 days |
| 2011 | 2776 days | $21.68 Million | $7.81K/day | $- | $2.05 Million | ▲ +524 days |
| 2010 | 2252 days | $58.06 Million | $25.78K/day | $- | $55.62 Million | ▲ +1971 days |
| 2009 | 281 days | $6.50 Million | $23.11K/day | $- | $2.51 Million | ▼ -4594 days |
| 2007 | 4875 days | $31.86 Million | $6.53K/day | $- | $17.65 Million | ▼ -723 days |
| 2006 | 5598 days | $39.59 Million | $7.07K/day | $- | $23.54 Million | ▼ -292 days |
| 2005 | 5890 days | $43.04 Million | $7.31K/day | $- | $23.92 Million | ▼ -721 days |
| 2004 | 6611 days | $42.12 Million | $6.37K/day | $- | $24.32 Million | ▲ +2562 days |
| 2003 | 4050 days | $25.21 Million | $6.23K/day | $- | $21.87 Million | ▼ -310 days |
| 2002 | 4360 days | $22.85 Million | $5.24K/day | $- | $20.60 Million | ▼ -1075 days |
| 2001 | 5435 days | $22.43 Million | $4.13K/day | $- | $19.98 Million | ▼ -12436 days |
| 1999 | 17871 days | $26.00 Million | $1.45K/day | $- | $23.81 Million | ▲ +16782 days |
| 1998 | 1089 days | $2.49 Million | $2.28K/day | $- | $300.00K | ▲ +127 days |
| 1997 | 962 days | $3.38 Million | $3.51K/day | $- | $300.00K | ▲ +215 days |
| 1996 | 748 days | $2.93 Million | $3.91K/day | $- | $200.00K | ▼ -2467 days |
| 1995 | 3215 days | $6.17 Million | $1.92K/day | $- | $3.09 Million | ▲ +3006 days |
| 1991 | 209 days | $800.00K | $3.84K/day | $- | $- | — |