Citizens Inc (CIA) — Defensive Interval Ratio
Citizens Inc (CIA) has a Defensive Interval Ratio of 703 days as of December 2025. Defensive assets of $92.42 Million (cash $22.98 Million, short-term investments $28.32 Million, receivables $41.13 Million) cover 703 days of daily cash needs of $131.53K/day. Check tangible net worth ratio of Citizens Inc to evaluate the tangible quality of the company's equity base.
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 December 2025, the ratio stands at 703 days, meaning defensive assets of $92.42 Million can fund 703 days of operations without new revenue. Also explore Citizens Inc equity growth rate to track the company's year-over-year net asset growth rate.
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. For live market cap and the full company financial profile, see CIA stock market capitalisation.
| 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 | ▼ -1956 days |
| 2024 | 2659 days | $64.26 Million | $24.17K/day | $29.27 Million | $16.33 Million | ▲ +1126 days |
| 2023 | 1533 days | $42.35 Million | $27.62K/day | $27.00 Million | $11.02 Million | ▼ -43550 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 | $- | $- | — |