Is CITIZENS, INC. (CIA) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| DJIM | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| MSCI | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| S&P | Excluded — Insurance - Life | ✗ NOT HALAL | |||
| FTSE | Excluded — Insurance - Life | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 27.6% | |
| Operating Margin | 10.9% | |
| Net Margin | 5.7% | |
| Return on Equity (ROE) | 6.6% | |
| Return on Assets (ROA) | 0.6% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $18M |
| Free Cash Flow | $18M |
| Debt-to-Equity | 3.1 |
| Current Ratio | 0.7 |
| Total Assets | $1.8B |
Price & Trading
| Last Close | $4.55 |
| 50-Day MA | $5.39 |
| 200-Day MA | $5.06 |
| Avg Volume | 109K |
| Beta | 0.4 |
|
52-Week Range
$2.90
| |
About CITIZENS, INC. (CIA)
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 critical illness policies to non-U.S. residents through independent marketing agencies and consultants. The Home Service Insurance segment offers final expense life insurance and critical illness products to middle- and lower-income households in Louisiana, Mississippi and Arkansas. This segment provides its products and services through funeral homes and independent agents. It also provides accident and health insurance policies. Citizens, Inc. was founded in 1969 and is headquartered in Austin, Texas.
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Frequently Asked Questions
Is CITIZENS, INC. (CIA) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), CITIZENS, INC. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is CITIZENS, INC.'s debt ratio?
CITIZENS, INC.'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are CITIZENS, INC.'s key financial metrics?
CITIZENS, INC. has a market capitalization of $230M, trailing P/E ratio of 16.4, and revenue of $256M. The company maintains a gross margin of 27.6% and a net margin of 5.7%. Return on equity stands at 6.6%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.