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SIC Insurance CoXGHA:SIC 49 Debt-to-EBITDA is 0.05 as of Dec. 2024, which is 85% below its 10-year median of 0.33. GuruFocus rates XGHA:SIC with a GF Score™ of 49/100 and a GF Value™ of GHS0.58 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 322 Insurance companies, SIC Insurance Co ranks better than 91.61% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for SIC Insurance Co's Debt-to-EBITDA or its related term are showing as below:
XGHA:SIC'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -28.65 Med: 0.33 Max: 1672.36
Current: 0.05
During the past 13 years, the highest Debt-to-EBITDA Ratio of SIC Insurance Co was 1672.36. The lowest was -28.65. And the median was 0.33.
XGHA:SIC's Debt-to-EBITDA is ranked better than 91.61% of 322
companies
in the Insurance industry
Industry Median: 1.185
vs XGHA:SIC: 0.05
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
SIC Insurance Co Debt-to-EBITDA Related Terms
SIC Insurance Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co's Debt-to-EBITDA 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.
XGHA:SIC vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is one times the quarterly (Dec. 2024) EBITDA data.
SIC Insurance Co (XGHA:SIC) has a Debt-to-EBITDA of 0.05 as of Dec. 2024. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on SIC Insurance Co. This is 85% below median its historical median of 0.33. According to the industry distribution chart, SIC Insurance Co ranks #27 out of 322 companies in the Insurance industry, placing it in the top 8.4%.
Is SIC Insurance Co's Debt-to-EBITDA too high?
SIC Insurance Co's current Debt-to-EBITDA of 0.05 is 85% below median its 10-year median of 0.33. The Insurance industry median Debt-to-EBITDA is 1.19. SIC Insurance Co's value of 0.05 is 95.8% below this industry median. Based on the distribution chart, SIC Insurance Co ranks #27 out of 322 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, SIC Insurance Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does SIC Insurance Co's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #27 out of 322 companies for Debt-to-EBITDA. This places SIC Insurance Co in the top 8% of its industry — outperforming the majority of peers. The industry median Debt-to-EBITDA is 1.19. SIC Insurance Co's value of 0.05 is 95.8% below this benchmark. While the company's 10-year median is 0.33 vs. the industry median of 1.19, SIC Insurance Co has consistently been below 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 Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.19, based on 322 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SIC Insurance Co's current Debt-to-EBITDA of 0.05 is 95.8% below 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on SIC Insurance Co. For the Insurance industry, the median Debt-to-EBITDA is 1.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current Debt-to-EBITDA is 0.05, which is 85% below median its own 10-year median of 0.33. 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 GHS5.12 — trading 782.8% above its estimated fair value. The current Debt-to-EBITDA is 0.05, which is 85% below median its 10-year median of 0.33 and 95.8% below the Insurance industry median of 1.19. SIC Insurance Co's overall GF Score™ is 49/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Debt-to-EBITDA is 0.05 as of Dec. 2024. 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 GHS5.12 is trading 782.8% above its estimated GF Value™ of GHS0.58.
GuruFocus considers SIC Insurance Co to be Significantly Overvalued.
Key valuation signals for XGHA:SIC:
Debt-to-EBITDA: 0.05 (85% below median its 10-year median of 0.33)
GF Value™: GHS0.58 vs. price of GHS5.12 (782.8% above fair value)
Industry Position: 95.8% below the Insurance median (#27 of 322)
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.
49GF Score
Get the complete analysis for XGHA:SIC
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