Business Description
CIC Insurance Group Ltd
SIC : 6399
ISIN : KE2000002317
Total Employee Number:
1,068Description
CIC Insurance Group Ltd is a Kenyan insurance and financial services company that operates on a co-operative model, serving individuals, co-operatives, and institutions. Its core business spans general insurance, life assurance, and microinsurance, alongside asset management and related financial services. The group serves customers primarily in Kenya, with additional operations in Uganda, South Sudan, and Malawi. Revenue is generated mainly through insurance premiums across its general and long-term (life) business segments, complemented by investment income and fees from asset management activities. As a co-operative insurer, CIC is structured around member-based ownership and distributes products through agency networks, bancassurance arrangements, and partnerships with co-operative societies. The company is listed on the Nairobi Securities Exchange.
Financial Strength
6/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 2.87 | |||||
Equity-to-Asset | 0.16 | |||||
Debt-to-Equity | 0.44 | |||||
Debt-to-EBITDA | 2.61 | |||||
Interest Coverage | 3.48 | |||||
Piotroski F-Score | 4/9 | |||||
Beneish M-Score | -1.77 | |||||
WACC vs ROIC | ||||||
Growth Rank
5/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 25.3 | |||||
3-Year EBITDA Growth Rate | 12.7 | |||||
3-Year EPS without NRI Growth Rate | 56.3 | |||||
3-Year FCF Growth Rate | 126.9 | |||||
3-Year Book Growth Rate | 17.2 |
Momentum Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 41.54 | |||||
9-Day RSI | 44.48 | |||||
14-Day RSI | 46.4 | |||||
3-1 Month Momentum % | 11.43 | |||||
6-1 Month Momentum % | -6.21 | |||||
12-1 Month Momentum % | -0.64 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 2.77 | |||||
Dividend Payout Ratio | 0.62 | |||||
Forward Dividend Yield % | 2.77 | |||||
5-Year Yield-on-Cost % | 2.77 | |||||
Shareholder Yield % | 4.91 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 1.81 | |||||
EBITDA Margin % | 6.12 | |||||
FCF Margin % | 7.15 | |||||
OCF Margin % | 17.67 | |||||
ROE % | 5.12 | |||||
ROA % | 0.87 | |||||
ROIC % | 1.33 | |||||
3-Year ROIIC % | 2.19 | |||||
Years of Profitability over Past 10-Year | 9 |
GF Value Rank
8/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 22.33 | |||||
PE Ratio without NRI | 22.33 | |||||
Shiller PE Ratio | 17.11 | |||||
Price-to-Owner-Earnings | 1.16 | |||||
PEG Ratio | 0.65 | |||||
PS Ratio | 0.4 | |||||
PB Ratio | 1.14 | |||||
Price-to-Tangible-Book | 1.15 | |||||
Price-to-Free-Cash-Flow | 3.68 | |||||
Price-to-Operating-Cash-Flow | 3.43 | |||||
EV-to-EBIT | 2.11 | |||||
EV-to-EBITDA | 1.85 | |||||
EV-to-Revenue | 0.11 | |||||
EV-to-FCF | 0.97 | |||||
Price-to-GF-Value | 1.33 | |||||
Price-to-Projected-FCF | 0.34 | |||||
Price-to-Median-PS-Value | 1.09 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.88 | |||||
Price-to-Graham-Number | 1.06 | |||||
Earnings Yield (Greenblatt) % | 47.37 | |||||
FCF Yield % | 25.92 | |||||
Forward Rate of Return (Yacktman) % | 38.39 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Performance
Dividend
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Annualized Return % Â
Total Annual Return % Â
CIC Insurance Group Ltd Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil KES) | 43,080.625 | ||
| EPS (TTM) (KES) | 0.335 | ||
| Beta | - | ||
| 3-Year Sharpe Ratio | 0.88 | ||
| 3-Year Sortino Ratio | 2.06 | ||
| Volatility % | 27.84 | ||
| 14-Day RSI | 46.4 | ||
| 14-Day ATR (KES) | 0.287708 | ||
| 20-Day SMA (KES) | 4.7075 | ||
| 12-1 Month Momentum % | -0.64 | ||
| 52-Week Range (KES) | 3.9 - 6.62 | ||
| Shares Outstanding (Mil) | 2,877.09 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
CIC Insurance Group Ltd Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
CIC Insurance Group Ltd Stock Events
| Event | Date | Price (KES) | ||
|---|---|---|---|---|
| KES 0.130000 Cash Dividend | 2026-04-24 | 4.56 (-0.87%) | ||
| KES 0.130000 Cash Dividend | 2025-04-23 | 2.79 (+2.33%) | ||
| 1.1:1 Stock Split | 2025-04-23 | 2.79 (+2.33%) | ||
| 1.2:1 Stock Split | 2014-07-31 | -- |
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CIC Insurance Group Ltd Frequently Asked Questions
What is CIC Insurance Group Ltd(NAI:CIC)'s stock price today?
The current price of NAI:CIC is KES4.63. The 52 week high of NAI:CIC is KES6.62 and 52 week low is KES3.90.
When is next earnings date of CIC Insurance Group Ltd(NAI:CIC)?
The next earnings date of CIC Insurance Group Ltd(NAI:CIC) is .
Does CIC Insurance Group Ltd(NAI:CIC) pay dividends? If so, how much?
The Dividend Yield %  of CIC Insurance Group Ltd(NAI:CIC) is 2.77% (As of Today), Highest Dividend Payout Ratio of CIC Insurance Group Ltd(NAI:CIC) was 1.23. The lowest was 0.11. And the median was 0.62. The  Forward Dividend Yield % of CIC Insurance Group Ltd(NAI:CIC) is 2.77%. For more information regarding to dividend, please check our Dividend Page.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
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