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SIC Insurance CoXGHA:SIC 51 Cyclically Adjusted PS Ratio is 4.72 as of Jul. 30, 2026, which is 1867% above its 10-year median of 0.24. GuruFocus rates XGHA:SIC with a GF Score™ of 51/100 and a GF Value™ of GHS0.58 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 412 Insurance companies, SIC Insurance Co ranks worse than 92.72% on this metric.
The historical rank and industry rank for SIC Insurance Co's Cyclically Adjusted PS Ratio or its related term are showing as below:
XGHA:SIC'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.1 Med: 0.24 Max: 5.68
Current: 4.88
During the past 13 years, SIC Insurance Co's highest Cyclically Adjusted PS Ratio was 5.68. The lowest was 0.10. And the median was 0.24.
XGHA:SIC's Cyclically Adjusted PS Ratio is ranked worse than 92.72% of 412
companies
in the Insurance industry
Industry Median: 1.21
vs XGHA:SIC: 4.88
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
SIC Insurance Co's adjusted revenue per share data of for the fiscal year that ended in Dec24 was GHS2.383. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is GHS1.23 for the trailing ten years ended in Dec24.
Shiller PE for Stocks: The True Measure of Stock Valuation
SIC Insurance Co (XGHA:SIC) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
SIC Insurance Co Cyclically Adjusted PS Ratio Related Terms
SIC Insurance Co Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SIC Insurance Co Cyclically Adjusted PS Ratio Chart
XGHA:SIC vs CB, PGR, TRV: Cyclically Adjusted PS Ratio Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
SIC Insurance Co Cyclically Adjusted PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Cyclically Adjusted PS Ratio falls into.
SIC Insurance Co Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
SIC Insurance Co's Cyclically Adjusted PS Ratio for today is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 4.72 mean?
SIC Insurance Co (XGHA:SIC) has a Cyclically Adjusted PS Ratio of 4.72 as of Jul. 30, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on SIC Insurance Co and its competitors. This is 1867% above median its historical median of 0.24. Over the past decade, SIC Insurance Co's Cyclically Adjusted PS Ratio has ranged from 0.10 to 5.68. According to the industry distribution chart, SIC Insurance Co ranks #382 out of 412 companies in the Insurance industry, placing it in the top 92.7%.
Is SIC Insurance Co's Cyclically Adjusted PS Ratio too high?
SIC Insurance Co's current Cyclically Adjusted PS Ratio of 4.72 is 1867% above median its 10-year median of 0.24. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 5.68. The Insurance industry median Cyclically Adjusted PS Ratio is 1.21. SIC Insurance Co's value of 4.72 is 290.1% above this industry median. Based on the distribution chart, SIC Insurance Co ranks #382 out of 412 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, SIC Insurance Co has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SIC Insurance Co's Cyclically Adjusted PS Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #382 out of 412 companies for Cyclically Adjusted PS Ratio. This places SIC Insurance Co in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 1.21. SIC Insurance Co's value of 4.72 is 290.1% above this benchmark. Historically, SIC Insurance Co's own Cyclically Adjusted PS Ratio has ranged from 0.10 to 5.68 over the past decade. While the company's 10-year median is 0.24 vs. the industry median of 1.21, SIC Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for an Insurance company?
The median Cyclically Adjusted PS Ratio among Insurance companies is 1.21, based on 412 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SIC Insurance Co's current Cyclically Adjusted PS Ratio of 4.72 is 290.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on SIC Insurance Co and its competitors. For the Insurance industry, the median Cyclically Adjusted PS Ratio is 1.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current Cyclically Adjusted PS Ratio is 4.72, which is 1867% above median its own 10-year median of 0.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is SIC Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, SIC Insurance Co (XGHA:SIC) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS0.58, compared to a current price of GHS5.80 — trading 900% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 4.72, which is 1867% above median its 10-year median of 0.24 and 290.1% above the Insurance industry median of 1.21. SIC Insurance Co's overall GF Score™ is 51/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Cyclically Adjusted PS Ratio is 4.72 as of Jul. 30, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is SIC Insurance Co (XGHA:SIC) Overvalued in 2026?
Based on GuruFocus' analysis, SIC Insurance Co stock appears to be overvalued.
The current stock price of GHS5.80 is trading 900% above its estimated GF Value™ of GHS0.58.
GuruFocus considers SIC Insurance Co to be Significantly Overvalued.
Key valuation signals for XGHA:SIC:
Cyclically Adjusted PS Ratio: 4.72 (1867% above median its 10-year median of 0.24)
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 290.1% above the Insurance median (#382 of 412)
No single metric tells the full story. See the XGHA:SIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
SIC Insurance Co Ltd is a Ghana-based insurance company. It offers non-life insurance products, including Motor insurance, Fire insurance, Marine and aviation insurance, Bonds, Engineering, and Accident insurance. Along with its subsidiaries, the company also issues a diversified portfolio of investment services to provide its customers with asset management solutions for their savings and retirement needs, as well as undertaking brokerage services and corporate finance. The firm operates in Ghana. The company generates the majority of its revenue from Fire Insurance.
51GF Score
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