SIC Insurance Co (XGHA:SIC) EBIT: GHS85.0 Mil (TTM As of Dec. 2024)

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XGHA:SIC SIC Insurance Co Ltd XGHA:SIC
51 GF Score
Price GHS5.80
GF Value GHS0.58
Valuation Significantly Overvalued
! 1 Warning Sign
View Full Analysis

What is SIC Insurance Co EBIT?

SIC Insurance Co XGHA:SIC 51 EBIT is GHS85.0 Mil as of Dec. 2024. 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.

SIC Insurance Co's earnings before interest and taxes (EBIT) for the six months ended in Dec. 2024 was GHS85.0 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Dec. 2024 was GHS85.0 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. SIC Insurance Co's annualized ROC % for the quarter that ended in Dec. 2024 was 6.76%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. SIC Insurance Co's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Dec. 2024 was 8.24%.


SIC Insurance Co  (XGHA:SIC) EBIT Explanation

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

SIC Insurance Co's annualized ROC % for the quarter that ended in Dec. 2024 is calculated as:

ROC % (Q: Dec. 2024 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2023 ) + Invested Capital (Q: Dec. 2024 ))/ count )
=84.973 * ( 1 - 35.81% )/( (744.12475 + 868.8163)/ 2 )
=54.5441687/806.470525
=6.76 %

where

Invested Capital(Q: Dec. 2023 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=899.831 - 77.915 - ( 92.473 - 5% * 293.635 )
=744.12475

Invested Capital(Q: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=1115.731 - 147.277 - ( 122.952 - 5% * 466.286 )
=868.8163

Note: The EBIT data used here is one times the annual (Dec. 2024) 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:

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

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Dec. 2024 )
=84.973/1030.663
=8.24 %

* 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 EBIT Related Terms


SIC Insurance Co EBIT Historical Data

* Premium members only.

The historical data trend for SIC Insurance Co'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.

SIC Insurance Co EBIT Chart

SIC Insurance Co Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 29.52 77.82 35.81 24.76 84.97

SIC Insurance Co Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
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 29.52 77.82 35.81 24.76 84.97

XGHA:SIC vs CB, PGR, TRV: EBIT Comparison

For the Insurance - Property & Casualty subindustry, SIC Insurance Co'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.


SIC Insurance Co EV-to-EBIT vs Insurance Industry

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

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


XGHA:SIC
51GF Score
SIC Insurance Co Ltd XGHA:SIC
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SIC Insurance Co 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.

For stock reported annually, GuruFocus uses latest annual data as the TTM data. EBIT for the trailing twelve months (TTM) ended in Dec. 2024 was GHS85.0 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 GHS85.0 Mil mean?
SIC Insurance Co (XGHA:SIC) has a EBIT of GHS85.0 Mil as of Dec. 2024. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on SIC Insurance Co.
Is SIC Insurance Co's EBIT too high?
SIC Insurance Co's current EBIT is GHS85.0 Mil. 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 EBIT compare to CB and PGR?
SIC Insurance Co's EBIT of GHS85.0 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 SIC Insurance Co. SIC Insurance Co's current EBIT is GHS85.0 Mil. 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 EBIT is GHS85.0 Mil. 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 EBIT calculated?
EBIT is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current EBIT is GHS85.0 Mil 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 GHS5.80 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:

  • EBIT: GHS85.0 Mil
  • GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
  • GF Score™: 51/100 with 1 warning sign

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 Business Description

Address Ring Road East, Nyemitei House No.15, Osu, Accra, GHA
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

Get the complete analysis for XGHA:SIC

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

GHS5.80
Price
GHS0.58
GF Value