Citizens (CIA) Gross Margin (2011 - 2026)
Citizens (CIA) recorded Gross Margin of 44.13% in Q2 2026, up 5.92 percentage points from 38.20% a year earlier and up 10.53 percentage points from the prior quarter.
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Analysis
Citizens (CIA) Gross Margin (2011 - 2026) Analysis & Trends
On a TTM basis, Citizens' Gross Margin came in at 38.00% as of Jun 30, 2026, up 2.55 percentage points year-over-year; for FY2025, it came in at 35.44%, down 4.93 percentage points from FY2024.
- Annual Gross Margin has declined for four straight years, though with a five-year change of +1.03 percentage points (FY2020 to FY2025).
- Across earlier years, Gross Margin came in at 40.37% in FY2024 (-3.12 pp), 43.50% in FY2023 (-4.92 pp), 48.42% in FY2022 (-3.79 pp) and 52.21% in FY2021 (+17.80 pp).
- The Q2 2026 figure is the highest quarterly Gross Margin since Q2 2024.
- On a year-over-year basis, Gross Margin has increased for three consecutive quarters, with an average year-over-year change of -2.46 percentage points over the last eight quarters.
- Peak year-over-year performance for Gross Margin in the last five years was a gain of 65.43 percentage points in Q4 2021, against a drop of 48.36 percentage points in Q4 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 33.60% (Q1 2026), 43.90% (Q4 2025) and 29.51% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Gross Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Chubb | 137.65 Bn | 84.23 Bn | 9.13 Bn | 57.69% |
| 2 | Progressive | 129.27 Bn | 105.11 Bn | 9.04 Bn | 38.28% |
| 3 | Marsh & Mclennan Companies | 90.79 Bn | 82.95 Bn | - | - |
| 4 | Travelers Companies | 83.98 Bn | 60.23 Bn | 6.23 Bn | 51.27% |
| 5 | Manulife Financial | 77.09 Bn | -17.80 Bn | - | - |
| 6 | Arthur J. Gallagher | 66.40 Bn | 60.80 Bn | - | - |
| 7 | Metlife | 65.77 Bn | -41.01 Bn | 7.82 Bn | 40.82% |
| 8 | Allstate | 64.29 Bn | 25.56 Bn | 8.73 Bn | 46.97% |
| 9 | Aon | 62.89 Bn | 56.11 Bn | - | - |
| 10 | Citizens | 181.37 Mn | 94.38 Mn | 26.66 Mn | 44.13% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 44.13% |
| Mar 31, 2026 | 33.60% |
| Dec 31, 2025 | 43.90% |
| Sep 30, 2025 | 29.51% |
| Jun 30, 2025 | 38.20% |
| Mar 31, 2025 | 27.95% |
| Dec 31, 2024 | 33.89% |
| Sep 30, 2024 | 40.91% |
| Jun 30, 2024 | 44.38% |
| Mar 31, 2024 | 42.62% |
| Dec 31, 2023 | 47.35% |
| Sep 30, 2023 | 36.48% |
| Jun 30, 2023 | 44.00% |
| Mar 31, 2023 | 45.81% |
| Dec 31, 2022 | 49.93% |
| Sep 30, 2022 | 45.30% |
| Jun 30, 2022 | 38.57% |
| Mar 31, 2022 | 44.78% |
| Dec 31, 2021 | 98.29% |
| Sep 30, 2021 | 27.98% |
API Access
Citizens Gross Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=gross-margin&ticker=CIA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "gross-margin", "ticker": "CIA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=gross-margin&ticker=CIA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();