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Citizens, Inc. balance sheet

At the end of fiscal 2025, Citizens, Inc. had total assets of $1.75bn, total liabilities of $1.52bn and shareholders' equity of $235m. It held $23.0m in cash against $0 of debt: net cash of $23.0m.

Balance sheet

US$ millions unless shown otherwise. Fiscal years, plus the last twelve months (LTM) when newer.

Fiscal year2009Dec 20092010Dec 20102011Dec 20112012Dec 20122013Dec 20132014Dec 20142015Dec 20152016Dec 20162017Dec 20172018Dec 20182019Dec 20192020Dec 20202021Dec 20212022Dec 20222023Dec 20232024Dec 20242025Dec 2025LTMJun 2026
Cash and equivalents495033565551833646454634272327292317
Goodwill—17171717171717131313———————
Total assets—9871,0801,1751,2161,4181,4811,5841,6441,6161,7451,8431,8551,5911,6691,6851,7551,752
Total debt000000000000000000
Total liabilities—7598319129701,1591,2341,3351,4211,4281,4851,5421,5341,4631,4971,4751,5201,517
Shareholders' equity209220248263249262247249224188260301100128172210235235
Non-controlling interests and other (assets − liabilities − equity)————————————221—————
Net debt (negative = net cash)−49−50−33−56−55−51−83−36−46−45−46−34−27−23−27−29−23−17

Balances at each fiscal year end (quarter end in the quarterly view). Total debt is short- plus long-term borrowings, including lease debt where the company reports it within debt. Where assets do not equal liabilities plus shareholders' equity, the difference (non-controlling interests, redeemable preferred shares) is shown on its own line.

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Figures from Citizens, Inc.'s SEC filings (10-K and 10-Q), retrieved October 29, 2026. How we read and check them: methodology and data sources. Not investment advice. Back to Citizens, Inc.