Overview

* Citizens Q3 2025 revenue of $62.8 mln missed analyst expectations

* Adjusted net income in Q3 2025 rose 70% year-over-year

* Company's producing agents increased 19% since Q3 2024

Outlook

* Citizens expects revenue and profit growth for full year 2026

* Company anticipates reduced matured endowment benefit payments starting in 2026

* Citizens sees favorable demographic trends supporting long-term value creation

Result Drivers

* AGENT EXPANSION - Co increased global network of producing agents by 19% since Q3 2024, contributing to revenue growth

* NEW PRODUCT OFFERINGS - Sales of new products domestically and internationally led to highest-ever total direct insurance in force of $5.38 bln

* INVESTMENT INCOME - Increase in net investment income due to one-time dividend and new investment strategy

Key Details

Metric Beat/Mis Actual Consensu

s s

Estimate

Q3 Miss $62.80 $63.50

Revenue mln mln (1

Analyst)

Q3 Net $2.40

Income mln

Analyst Coverage

* The stock recently traded at 18 times the next 12-month earnings vs. a P/E of 12 three months ago

Press Release:

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)