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Side-by-side financial comparison of Certara, Inc. (CERT) and CITIZENS, INC. (CIA). Click either name above to swap in a different company.

Certara, Inc. is the larger business by last-quarter revenue ($103.6M vs $72.1M, roughly 1.4× CITIZENS, INC.). CITIZENS, INC. runs the higher net margin — 10.2% vs -5.7%, a 15.9% gap on every dollar of revenue. On growth, CITIZENS, INC. posted the faster year-over-year revenue change (13.5% vs 3.3%). Certara, Inc. produced more free cash flow last quarter ($27.8M vs $17.5M). Over the past eight quarters, CITIZENS, INC.'s revenue compounded faster (11.7% CAGR vs 3.6%).

Certara is a global leader in biopharmaceutical software and consulting services, specializing in modeling, simulation, and regulatory science solutions. It serves pharmaceutical companies, biotech firms and healthcare stakeholders across all drug development stages, helping accelerate new therapy launches, lower R&D risks and cut overall development costs.

Citizen Watch Co., Ltd. , also known as the Citizen Group, is an electronics company primarily known for its watches and is the core company of a Japanese global corporate group based in Nishitokyo, Tokyo, Japan. In addition to Citizen brand watches, it is the parent of American watch company Bulova. Beyond watches, Citizen also manufactures calculators, printers, health care devices, and precision CNC machining equipment.

CERT vs CIA — Head-to-Head

Bigger by revenue
CERT
CERT
1.4× larger
CERT
$103.6M
$72.1M
CIA
Growing faster (revenue YoY)
CIA
CIA
+10.3% gap
CIA
13.5%
3.3%
CERT
Higher net margin
CIA
CIA
15.9% more per $
CIA
10.2%
-5.7%
CERT
More free cash flow
CERT
CERT
$10.3M more FCF
CERT
$27.8M
$17.5M
CIA
Faster 2-yr revenue CAGR
CIA
CIA
Annualised
CIA
11.7%
3.6%
CERT

Income Statement — Q4 FY2025 vs Q4 FY2025

Metric
CERT
CERT
CIA
CIA
Revenue
$103.6M
$72.1M
Net Profit
$-5.9M
$7.3M
Gross Margin
Operating Margin
0.8%
10.9%
Net Margin
-5.7%
10.2%
Revenue YoY
3.3%
13.5%
Net Profit YoY
-189.6%
102.7%
EPS (diluted)
$-0.04

Green = leading value per metric. Periods may differ when fiscal calendars don't align.

8-Quarter Revenue & Profit Trend

Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.

Revenue
CERT
CERT
CIA
CIA
Q4 25
$103.6M
$72.1M
Q3 25
$104.6M
$62.8M
Q2 25
$104.6M
$65.1M
Q1 25
$106.0M
$55.7M
Q4 24
$100.4M
$63.5M
Q3 24
$94.8M
$61.7M
Q2 24
$93.3M
$62.1M
Q1 24
$96.7M
$57.7M
Net Profit
CERT
CERT
CIA
CIA
Q4 25
$-5.9M
$7.3M
Q3 25
$1.5M
$2.4M
Q2 25
$-2.0M
$6.5M
Q1 25
$4.7M
$-1.6M
Q4 24
$6.6M
$3.6M
Q3 24
$-1.4M
$2.8M
Q2 24
$-12.6M
$4.0M
Q1 24
$-4.7M
$4.5M
Operating Margin
CERT
CERT
CIA
CIA
Q4 25
0.8%
10.9%
Q3 25
2.9%
7.1%
Q2 25
9.1%
10.6%
Q1 25
7.2%
-3.2%
Q4 24
6.0%
5.9%
Q3 24
2.7%
4.9%
Q2 24
-9.7%
5.3%
Q1 24
-1.3%
8.5%
Net Margin
CERT
CERT
CIA
CIA
Q4 25
-5.7%
10.2%
Q3 25
1.5%
3.8%
Q2 25
-1.9%
9.9%
Q1 25
4.5%
-2.9%
Q4 24
6.6%
5.7%
Q3 24
-1.4%
4.5%
Q2 24
-13.5%
6.4%
Q1 24
-4.8%
7.9%
EPS (diluted)
CERT
CERT
CIA
CIA
Q4 25
$-0.04
Q3 25
$0.01
Q2 25
$-0.01
Q1 25
$0.03
Q4 24
$0.04
Q3 24
$-0.01
Q2 24
$-0.08
Q1 24
$-0.03

Balance Sheet & Financial Strength

Snapshot of each company's liquidity, leverage and book value from the latest quarter.

Metric
CERT
CERT
CIA
CIA
Cash + ST InvestmentsLiquidity on hand
$189.4M
$23.0M
Total DebtLower is stronger
$293.1M
Stockholders' EquityBook value
$1.1B
$235.0M
Total Assets
$1.6B
$1.8B
Debt / EquityLower = less leverage
0.28×

8-quarter trend — quarters aligned by calendar period.

Cash + ST Investments
CERT
CERT
CIA
CIA
Q4 25
$189.4M
$23.0M
Q3 25
$172.7M
$23.1M
Q2 25
$162.3M
$22.7M
Q1 25
$179.1M
$18.4M
Q4 24
$179.2M
$29.3M
Q3 24
$233.0M
$32.4M
Q2 24
$224.6M
$26.3M
Q1 24
$224.8M
$23.2M
Total Debt
CERT
CERT
CIA
CIA
Q4 25
$293.1M
Q3 25
$293.5M
Q2 25
$294.2M
Q1 25
$294.8M
Q4 24
$295.4M
Q3 24
$296.1M
Q2 24
$296.7M
Q1 24
$290.8M
Stockholders' Equity
CERT
CERT
CIA
CIA
Q4 25
$1.1B
$235.0M
Q3 25
$1.1B
$225.6M
Q2 25
$1.1B
$229.0M
Q1 25
$1.1B
$218.1M
Q4 24
$1.1B
$210.4M
Q3 24
$1.1B
$207.6M
Q2 24
$1.0B
$191.5M
Q1 24
$1.1B
$195.2M
Total Assets
CERT
CERT
CIA
CIA
Q4 25
$1.6B
$1.8B
Q3 25
$1.5B
$1.7B
Q2 25
$1.5B
$1.7B
Q1 25
$1.6B
$1.7B
Q4 24
$1.6B
$1.7B
Q3 24
$1.5B
$1.7B
Q2 24
$1.5B
$1.7B
Q1 24
$1.5B
$1.7B
Debt / Equity
CERT
CERT
CIA
CIA
Q4 25
0.28×
Q3 25
0.28×
Q2 25
0.27×
Q1 25
0.27×
Q4 24
0.28×
Q3 24
0.28×
Q2 24
0.28×
Q1 24
0.28×

Cash Flow & Capital Efficiency

How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.

Metric
CERT
CERT
CIA
CIA
Operating Cash FlowLast quarter
$28.8M
$18.0M
Free Cash FlowOCF − Capex
$27.8M
$17.5M
FCF MarginFCF / Revenue
26.8%
24.3%
Capex IntensityCapex / Revenue
1.0%
0.6%
Cash ConversionOCF / Net Profit
2.45×
TTM Free Cash FlowTrailing 4 quarters
$94.4M
$26.1M

8-quarter trend — quarters aligned by calendar period.

Operating Cash Flow
CERT
CERT
CIA
CIA
Q4 25
$28.8M
$18.0M
Q3 25
$32.3M
$4.7M
Q2 25
$17.8M
$3.5M
Q1 25
$17.4M
$748.0K
Q4 24
$49.4M
$31.9M
Q3 24
$17.0M
$9.7M
Q2 24
$9.8M
$4.6M
Q1 24
$4.3M
$6.8M
Free Cash Flow
CERT
CERT
CIA
CIA
Q4 25
$27.8M
$17.5M
Q3 25
$32.1M
$4.6M
Q2 25
$17.8M
$3.3M
Q1 25
$16.8M
$641.0K
Q4 24
$49.0M
$31.3M
Q3 24
$16.8M
$9.3M
Q2 24
$9.4M
$4.5M
Q1 24
$3.7M
$6.7M
FCF Margin
CERT
CERT
CIA
CIA
Q4 25
26.8%
24.3%
Q3 25
30.7%
7.3%
Q2 25
17.0%
5.1%
Q1 25
15.8%
1.2%
Q4 24
48.8%
49.2%
Q3 24
17.7%
15.1%
Q2 24
10.1%
7.2%
Q1 24
3.8%
11.7%
Capex Intensity
CERT
CERT
CIA
CIA
Q4 25
1.0%
0.6%
Q3 25
0.2%
0.1%
Q2 25
0.1%
0.3%
Q1 25
0.6%
0.2%
Q4 24
0.4%
1.0%
Q3 24
0.2%
0.6%
Q2 24
0.5%
0.2%
Q1 24
0.6%
0.1%
Cash Conversion
CERT
CERT
CIA
CIA
Q4 25
2.45×
Q3 25
21.19×
1.93×
Q2 25
0.54×
Q1 25
3.66×
Q4 24
7.51×
8.81×
Q3 24
3.48×
Q2 24
1.16×
Q1 24
1.49×

Financial Flow Comparison

Revenue → gross profit → operating profit → net profit for each company.

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