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CIC Insurance GroupNAI:CIC -3.70%75 EBITDA Margin % is 6.12% as of Dec. 2025, which is 27% below its 10-year median of 8.41. GuruFocus rates NAI:CIC with a GF Score™ of 75/100 and a GF Value™ of KES3.39 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 371 Insurance companies, CIC Insurance Group ranks worse than 81.67% on this metric.
EBITDA Margin % is calculated as EBITDA divided by its Revenue. CIC Insurance Group's EBITDA for the
six
months ended in Dec. 2025 was KES1,991 Mil. CIC Insurance Group's Revenue for the
six
months ended in Dec. 2025 was KES32,538 Mil. Therefore, CIC Insurance Group's EBITDA margin for the quarter that ended in Dec. 2025 was 6.12%.
CIC Insurance Group (NAI:CIC) EBITDA Margin % Explanation
EBITDA Margin % is the ratio of EBITDA divided by net sales or Revenue. It is an performance metric measuring company's operating profitability. EBITDA Margin takes depreciation and amortization, interest expense and tax into account, which makes it easy to compare the relative profitability of companies of different sizes in the same industry.
CIC Insurance Group EBITDA Margin % Related Terms
CIC Insurance Group EBITDA Margin % Historical Data
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The historical data trend for CIC Insurance Group's EBITDA Margin % 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.
NAI:CIC vs BRK.A, AIG, HIG: EBITDA Margin % Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's EBITDA Margin %, along with its competitors' market caps and EBITDA Margin % 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 EBITDA Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's EBITDA Margin % distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's EBITDA Margin % 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.
CIC Insurance Group (NAI:CIC) has a EBITDA Margin % of 6.12% as of Dec. 2025. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on CIC Insurance Group and its competitors. This is 27% below median its historical median of 8.41. Over the past decade, CIC Insurance Group's EBITDA Margin % has ranged from 3.80 to 14.96. According to the industry distribution chart, CIC Insurance Group ranks #303 out of 371 companies in the Insurance industry, placing it in the top 81.7%.
Is CIC Insurance Group's EBITDA Margin % too high?
CIC Insurance Group's current EBITDA Margin % of 6.12% is 27% below median its 10-year median of 8.41. Over the past 10 years, this metric has ranged from a low of 3.80 to a high of 14.96. The Insurance industry median EBITDA Margin % is 14.97. CIC Insurance Group's value of 6.12% is 59.1% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #303 out of 371 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, CIC Insurance Group has a GF Score™ of 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CIC Insurance Group's EBITDA Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #303 out of 371 companies for EBITDA Margin %. This places CIC Insurance Group in the lower half of its industry. The industry median EBITDA Margin % is 14.97. CIC Insurance Group's value of 6.12% is 59.1% below this benchmark. Historically, CIC Insurance Group's own EBITDA Margin % has ranged from 3.80 to 14.96 over the past decade. While the company's 10-year median is 8.41 vs. the industry median of 14.97, CIC Insurance Group 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 EBITDA Margin % for an Insurance company?
The median EBITDA Margin % among Insurance companies is 14.97, based on 371 companies in the industry. Companies in the top quartile (top 25%) have a EBITDA Margin % significantly above this median, while those in the bottom quartile fall well below. However, EBITDA Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current EBITDA Margin % of 6.12% is 59.1% 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 EBITDA Margin % mean?
A high EBITDA Margin % can signal that a stock is expensive relative to its fundamentals. EBITDA Margin is the ratio of EBITDA divided by net sales or Revenue, usually presented in percent. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median EBITDA Margin % is 14.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current EBITDA Margin % is 6.12%, which is 27% below median its own 10-year median of 8.41. 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 KES3.39, compared to a current price of KES4.69 — trading 38.3% above its estimated fair value. The current EBITDA Margin % is 6.12%, which is 27% below median its 10-year median of 8.41 and 59.1% below the Insurance industry median of 14.97. CIC Insurance Group's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBITDA Margin % calculated?
EBITDA Margin % is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current EBITDA Margin % is 6.12% as of Dec. 2025. 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 KES4.69 is trading 38.3% above its estimated GF Value™ of KES3.39.
GuruFocus considers CIC Insurance Group to be Significantly Overvalued.
Key valuation signals for NAI:CIC:
EBITDA Margin %: 6.12% (27% below median its 10-year median of 8.41)
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 59.1% below the Insurance median (#303 of 371)
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 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.
75GF Score
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EBITDA Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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