Financial services firm Citizens Q3 revenue misses estimates

Reuters11-07

Financial services firm Citizens Q3 revenue misses estimates

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/Miss	Actual	Consensus Estimate
Q3 Revenue	Miss	$62.80 mln	$63.50 mln (1 Analyst)
Q3 Net Income		$2.40 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: ID:nNFCcdDs5f

For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.

(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.)

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Comments

We need your insight to fill this gap

Leave a comment

{"i18n":{"language":"en_US"},"isChannel":false,"data":{"share":"https://ttm.financial/m/news/2581046736?lang=en_US&edition=fundamental","thumbnail":"","is_english":true,"pubTime":"2025-11-07 06:12","share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","id":"2581046736","market":"fut","top_or_hot":-1,"title":"Financial services firm Citizens Q3 revenue misses estimates","media":"Reuters","content":"<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title>Financial services firm Citizens Q3 revenue misses estimates</title></head><body><p><span>Overview</span></p><ul><li><p>Citizens Q3 2025 revenue of $62.8 mln missed analyst expectations</p></li><li><p>Adjusted net income in Q3 2025 rose 70% year-over-year</p></li><li><p>Company's producing agents increased 19% since Q3 2024</p></li></ul><p><span>Outlook</span></p><ul><li><p>Citizens expects revenue and profit growth for full year 2026</p></li><li><p>Company anticipates reduced matured endowment benefit payments starting in 2026</p></li><li><p>Citizens sees favorable demographic trends supporting long-term value creation</p></li></ul><p><span>Result Drivers</span></p><ul><li><p>AGENT EXPANSION - Co increased global network of producing agents by 19% since Q3 2024, contributing to revenue growth</p></li><li><p>NEW PRODUCT OFFERINGS - Sales of new products domestically and internationally led to highest-ever total direct insurance in force of $5.38 bln</p></li><li><p>INVESTMENT INCOME - Increase in net investment income due to one-time dividend and new investment strategy</p></li></ul><p><span>Key Details</span></p><table><tbody><tr><td><p><span>Metric</span></p></td><td><p><span>Beat/Miss</span></p></td><td><p><span>Actual</span></p></td><td><p><span>Consensus Estimate</span></p></td></tr><tr><td><p>Q3 Revenue</p></td><td><p>Miss</p></td><td><p>$62.80 mln</p></td><td><p>$63.50 mln (1 Analyst)</p></td></tr><tr><td><p>Q3 Net Income</p></td><td></td><td><p>$2.40 mln</p></td><td></td></tr></tbody></table><p><span>Analyst Coverage</span></p><ul><li><p>The stock recently traded at 18 times the next 12-month earnings vs. a P/E of 12 three months ago</p></li></ul><p>Press Release: <span>ID:nNFCcdDs5f</span></p><p>For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(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.)</p></body></html>","source":null,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Financial services firm Citizens Q3 revenue misses estimates</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nFinancial services firm Citizens Q3 revenue misses estimates\n</h2>\n\n<h4 class=\"meta\">\n\n\n<a class=\"head\" href=\"https://laohu8.com/wemedia/1032215980\">\n\n\n<div class=\"h-thumb\" style=\"background-image:url(https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n<p class=\"h-name\">Reuters </p>\n<p class=\"h-time\">2025-11-07 06:12</p>\n</div>\n\n</a>\n\n\n</h4>\n\n</header>\n<article>\n<html xmlns=\"http://www.w3.org/1999/xhtml\"><head><title>Financial services firm Citizens Q3 revenue misses estimates</title></head><body><p><span>Overview</span></p><ul><li><p>Citizens Q3 2025 revenue of $62.8 mln missed analyst expectations</p></li><li><p>Adjusted net income in Q3 2025 rose 70% year-over-year</p></li><li><p>Company's producing agents increased 19% since Q3 2024</p></li></ul><p><span>Outlook</span></p><ul><li><p>Citizens expects revenue and profit growth for full year 2026</p></li><li><p>Company anticipates reduced matured endowment benefit payments starting in 2026</p></li><li><p>Citizens sees favorable demographic trends supporting long-term value creation</p></li></ul><p><span>Result Drivers</span></p><ul><li><p>AGENT EXPANSION - Co increased global network of producing agents by 19% since Q3 2024, contributing to revenue growth</p></li><li><p>NEW PRODUCT OFFERINGS - Sales of new products domestically and internationally led to highest-ever total direct insurance in force of $5.38 bln</p></li><li><p>INVESTMENT INCOME - Increase in net investment income due to one-time dividend and new investment strategy</p></li></ul><p><span>Key Details</span></p><table><tbody><tr><td><p><span>Metric</span></p></td><td><p><span>Beat/Miss</span></p></td><td><p><span>Actual</span></p></td><td><p><span>Consensus Estimate</span></p></td></tr><tr><td><p>Q3 Revenue</p></td><td><p>Miss</p></td><td><p>$62.80 mln</p></td><td><p>$63.50 mln (1 Analyst)</p></td></tr><tr><td><p>Q3 Net Income</p></td><td></td><td><p>$2.40 mln</p></td><td></td></tr></tbody></table><p><span>Analyst Coverage</span></p><ul><li><p>The stock recently traded at 18 times the next 12-month earnings vs. a P/E of 12 three months ago</p></li></ul><p>Press Release: <span>ID:nNFCcdDs5f</span></p><p>For questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.</p><p>(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.)</p></body></html>\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"CIA","symbol_name":"公民保险","start_time":0,"source_url":"https://api.refinitiv.com/data/news/v1/stories/urn:newsml:reuters.com:20251106:nL1N3WI1LG:1","article_id":"2581046736","we_media_id":"1032215980","thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2581046736","pubTimestamp":1762467151,"columns":[],"sourceInfo":null,"weMediaInfo":{"media_name":"Reuters","introduction":"Reuters.com brings you the latest news from around the world, covering breaking news in markets, business, politics, entertainment and technology","home_visible":1,"id":"1032215980","head_image":"https://community-static.tradeup.com/news/4567337cbdf294b657b1fa87c5488b48"},"summary":"Financial services firm Citizens Q3 revenue misses estimatesOverviewCitizens Q3 2025 revenue of $62.8 mln missed analyst expectationsAdjusted net income in Q3 2025 rose 70% year-over-yearCompany's pro","collect":0,"end_time":0,"defaultTopTitle":"","property":[],"viewcount":null,"language":"en","relate_stocks":{"CIA":"公民保险","BK4162":"人寿与健康保险"},"translate_title":"金融服务公司Citizens第三季度收入未达预期","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"CIA":0.9},"content_text":"Financial services firm Citizens Q3 revenue misses estimatesOverviewCitizens Q3 2025 revenue of $62.8 mln missed analyst expectationsAdjusted net income in Q3 2025 rose 70% year-over-yearCompany's producing agents increased 19% since Q3 2024OutlookCitizens expects revenue and profit growth for full year 2026Company anticipates reduced matured endowment benefit payments starting in 2026Citizens sees favorable demographic trends supporting long-term value creationResult DriversAGENT EXPANSION - Co increased global network of producing agents by 19% since Q3 2024, contributing to revenue growthNEW PRODUCT OFFERINGS - Sales of new products domestically and internationally led to highest-ever total direct insurance in force of $5.38 blnINVESTMENT INCOME - Increase in net investment income due to one-time dividend and new investment strategyKey DetailsMetricBeat/MissActualConsensus EstimateQ3 RevenueMiss$62.80 mln$63.50 mln (1 Analyst)Q3 Net Income$2.40 mlnAnalyst CoverageThe stock recently traded at 18 times the next 12-month earnings vs. a P/E of 12 three months agoPress Release: ID:nNFCcdDs5fFor questions concerning the data in this report, contact Estimates.Support@lseg.com. For any other questions or feedback, contact RefinitivNewsSupport@thomsonreuters.com.(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.)","kind":"highlight","is_publish_news":true,"is_publish_highlight":false,"is_publish_live":false,"is_publish_wemedia":null,"editions":null,"column":"","sentiment":"-1","news_tag":"dataReport","news_rank":0,"symbols":[],"gpt_button":0,"need_auth":false,"code":"91000000","status":"200"},"commentList":[],"isCommentEnd":true,"newsSizeData":{"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"likeStatus":false,"favoriteStatus":false},"APP":{"userAgent":"Mozilla/5.0 AppleWebKit/537.36 (KHTML, like Gecko; compatible; ClaudeBot/1.0; +claudebot@anthropic.com)","isDev":false,"isTTM":true,"deviceId":"web-server-community-laohu8-v3","version":"4.35.12","shortVersion":"4.35.12","platform":"web","vendor":"web","appName":"ttm","isIOS":false,"isAndroid":false,"isTiger":false,"isTHS":false,"isWeiXin":false,"isWeiXinMini":false,"isWeiBo":false,"isQQ":false,"isBaiduSwan":false,"isBaiduBox":false,"isDingTalk":false,"isToutiao":false,"isOnePlus":false,"isHuaWei":false,"isXiaomi":false,"isXiaomiWebView":false,"isOppo":false,"isVivo":false,"isSamsung":false,"isMobile":false},"href":"/m/news/2581046736","isCrawlerRequest":true}