CIC Insurance Group (NAI:CIC) EBIT: KES2,069 Mil (TTM As of Jun. 2026)

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NAI:CIC CIC Insurance Group Ltd NAI:CIC
74 GF Score
Price KES4.77
GF Value KES3.47
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is CIC Insurance Group EBIT?

CIC Insurance Group NAI:CIC -0.42% 74 EBIT is KES2,069 Mil as of Jun. 2026. GuruFocus rates NAI:CIC with a GF Score™ of 74/100 and a GF Value™ of KES3.47 (Significantly Overvalued). The stock has 3 warning signs investors should review.

CIC Insurance Group's earnings before interest and taxes (EBIT) for the six months ended in Jun. 2026 was KES1,846 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jun. 2026 was KES2,069 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. CIC Insurance Group's annualized ROC % for the quarter that ended in Jun. 2026 was 3.56%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. CIC Insurance Group's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jun. 2026 was 56.02%.


CIC Insurance Group  (NAI:CIC) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

CIC Insurance Group's annualized ROC % for the quarter that ended in Jun. 2026 is calculated as:

ROC % (Q: Jun. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Jun. 2026 ))/ count )
=3691.92 * ( 1 - 30.447% )/( (61872.74345 + 82485.0548)/ 2 )
=2567.8411176/72178.899125
=3.56 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=73747.539 - - ( 12913.72 - 5% * 20778.489 )
=61872.74345

Invested Capital(Q: Jun. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=81684.684 - - ( 314.736 - 5% * 22302.136 )
=82485.0548

Note: The EBIT data used here is two times the semi-annual (Jun. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

ROC (Joel Greenblatt) % does not apply to banks and insurance companies.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

CIC Insurance Group's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Jun. 2026 )
=2069.317/3693.627
=56.02 %

* 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.


CIC Insurance Group EBIT Related Terms


CIC Insurance Group EBIT Historical Data

* Premium members only.

The historical data trend for CIC Insurance Group's EBIT 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.

CIC Insurance Group EBIT Chart

CIC Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,390.79 1,258.97 3,064.85 4,570.40 1,753.91

CIC Insurance Group Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,601.09 2,969.31 1,530.56 223.36 1,845.96

NAI:CIC vs BRK.A, AIG, HIG: EBIT Comparison

For the Insurance - Diversified subindustry, CIC Insurance Group's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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.


CIC Insurance Group EV-to-EBIT vs Insurance Industry

For the Insurance industry and Financial Services sector, CIC Insurance Group's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where CIC Insurance Group's EV-to-EBIT falls into.


NAI:CIC
74GF Score
CIC Insurance Group Ltd NAI:CIC
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
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CIC Insurance Group EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was KES2,069 Mil.

* 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.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of KES2,069 Mil mean?
CIC Insurance Group (NAI:CIC) has a EBIT of KES2,069 Mil as of Jun. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on CIC Insurance Group.
Is CIC Insurance Group's EBIT too high?
CIC Insurance Group's current EBIT is KES2,069 Mil. Overall, CIC Insurance Group has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CIC Insurance Group's EBIT compare to BRK.A and AIG?
CIC Insurance Group's EBIT of KES2,069 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for an Insurance company?
A good EBIT depends on the Insurance industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on CIC Insurance Group. CIC Insurance Group's current EBIT is KES2,069 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CIC Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, CIC Insurance Group (NAI:CIC) is currently considered Significantly Overvalued. The stock's GF Value™ is KES3.47, compared to a current price of KES4.77 — trading 37.5% above its estimated fair value. The current EBIT is KES2,069 Mil. CIC Insurance Group's overall GF Score™ is 74/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current EBIT is KES2,069 Mil as of Jun. 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 CIC Insurance Group (NAI:CIC) Overvalued in 2026?

Based on GuruFocus' analysis, CIC Insurance Group stock appears to be overvalued. The current stock price of KES4.77 is trading 37.5% above its estimated GF Value™ of KES3.47. GuruFocus considers CIC Insurance Group to be Significantly Overvalued.

Key valuation signals for NAI:CIC:

  • EBIT: KES2,069 Mil
  • GF Value™: KES3.47 vs. price of KES4.77 (37.5% above fair value)
  • GF Score™: 74/100 with 3 warning signs

No single metric tells the full story. See the NAI:CIC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


CIC Insurance Group Business Description

Address Mara Road, Upper Hill, P.O. Box 59485, CIC Plaza, Nairobi, KEN, 00200
CIC Insurance Group Ltd operates as a Co-operative insurer in Africa, offering insurance and investment services across Kenya, Uganda, South Sudan, and Malawi. Its diverse portfolio includes General Insurance, Life Assurance, Microinsurance, Asset Management and Pharmaceutical services. The Company's reportable segments are long-term business, general insurance business, asset management, and other business. The majority of revenue is derived from the Asset Management segment.
74GF Score

Get the complete analysis for NAI:CIC

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES4.77
Price
KES3.47
GF Value