Citizens (CIA) Fundamental Analysis: Revenue, Earnings & Valuation

9.08 / 10

Outperform

Fundamentally, CIA is rated Outperform with a 9.1/10 quality score. Strengths include high Asset‑MV, strong receivables turnover, robust fixed‑asset turnover, excellent current ratio (3.94) and full net‑profit attribution. Weaknesses are negative EPS growth, total profit and ROE trends, dragging overall momentum.

Analysis Checks(5/10)

Net profit attributable to parent company shareholders / Net profit (%)

Value100.00

Score3/3

Weight28.63%

1M Return2.87%

ROE (diluted) (YoY growth rate %)

Value5.24

Score0/3

Weight-10.29%

1M Return-1.39%

Profit-MV

Value0.78

Score1/3

Weight3.94%

1M Return0.47%

Accounts receivable turnover ratio

Value23.42

Score3/3

Weight27.76%

1M Return2.73%

Basic earnings per share (YoY growth rate %)

Value-3.33

Score0/3

Weight-8.80%

1M Return-1.02%

Total profit (YoY growth rate %)

Value16.62

Score0/3

Weight-11.94%

1M Return-1.51%

Fixed assets turnover ratio

Value9306.28

Score3/3

Weight25.53%

1M Return2.53%

Diluted earnings per share (YoY growth rate %)

Value-3.45

Score0/3

Weight-10.10%

1M Return-1.16%

Asset-MV

Value-0.55

Score2/3

Weight29.49%

1M Return2.56%

Current ratio

Value3.94

Score3/3

Weight25.77%

1M Return2.55%

Is CIA fundamentally strong?

CIA scores 9.08/10 on fundamentals and holds a Discounted valuation at present. Backed by its 6.55% ROE, 5.71% net margin, 17.81 P/E ratio, 1.11 P/B ratio, and -3.33% earnings growth, these metrics solidify its Outperform investment rating.