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Think of Enterprise Value as the theoretical takeover price. It is more comprehensive than market capitalization (Market Cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, SIC Insurance Co's Enterprise Value is GHS1,030.7 Mil.
SIC Insurance Co's EBIT for the trailing twelve months (TTM) ended in Dec. 2024 was GHS85.0 Mil. Therefore, SIC Insurance Co's EV-to-EBIT ratio for today is 12.13.
EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA. As of today, SIC Insurance Co's Enterprise Value is GHS1,030.7 Mil.
SIC Insurance Co's EBITDA for the trailing twelve months (TTM) ended in Dec. 2024 was GHS98.0 Mil. Therefore, SIC Insurance Co's EV-to-EBITDA ratio for today is 10.52.
EV-to-Revenue is calculated as Enterprise Value divided by its Revenue. As of today, SIC Insurance Co's Enterprise Value is GHS1,030.7 Mil.
SIC Insurance Co's Revenue for the trailing twelve months (TTM) ended in Dec. 2024 was GHS466.3 Mil. Therefore, SIC Insurance Co's EV-to-Revenue ratio for today is 2.21.
EV-to-FCF is calculated as Enterprise Value divided by its Free Cash Flow. As of today, SIC Insurance Co's Enterprise Value is GHS1,030.7 Mil.
SIC Insurance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was GHS138.8 Mil. Therefore, SIC Insurance Co's EV-to-FCF ratio for today is 7.43.
*** Please note that the current Enterprise Value is calculated using the current market capitalization and the most recently available financial data. If key financial fields—Long-Term Debt & Capital Lease Obligation and Short-Term Debt & Capital Lease Obligation—are recorded as null in the latest reporting period, our data vendor will default to using data from the prior period with valid entries.
SIC Insurance Co (XGHA:SIC) Enterprise Value Explanation
When an investor buy a company, the investor needs to pay not only the common shares, he/she also needs to pay the shareholders of Preferred Stocks. He also assumes the debt of the company, and receives the cash on the company's balance sheet.
If a company has more cash than debt, the investor actually pays less than the Market Cap because he immediately owns the cash once the transaction goes through.
The market value of Preferred Stock needs to be added to the market value of common stocks in the calculation of Enterprise Value.
For the companies with the same Market Cap, the smaller the Enterprise Value is, the cheaper the company is.
Enterprise Value can be negative when the company's net cash is more than its Market Cap. In this case the investor is basically getting the company for free and get paid for that.
1. EV-to-EBIT is calculated as Enterprise Value divided by its EBIT.
SIC Insurance Co's current Enterprise Value is GHS1,030.7 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SIC Insurance Co's EBIT for the trailing twelve months (TTM) ended in Dec. 2024 was GHS85.0 Mil.
2. EV-to-EBITDA is calculated as Enterprise Value divided by its EBITDA.
SIC Insurance Co's current Enterprise Value is GHS1,030.7 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SIC Insurance Co's EBITDA for the trailing twelve months (TTM) ended in Dec. 2024 was GHS98.0 Mil.
SIC Insurance Co's current Enterprise Value is GHS1,030.7 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SIC Insurance Co's Revenue for the trailing twelve months (TTM) ended in Dec. 2024 was GHS466.3 Mil.
SIC Insurance Co's current Enterprise Value is GHS1,030.7 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SIC Insurance Co's Cash Flow from Operations for the trailing twelve months (TTM) ended in Dec. 2024 was GHS155.6 Mil.
SIC Insurance Co's current Enterprise Value is GHS1,030.7 Mil.
For company reported semi-annually or annually, GuruFocus uses latest annual data as the TTM data. SIC Insurance Co's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2024 was GHS138.8 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.
SIC Insurance Co Enterprise Value Related Terms
SIC Insurance Co Enterprise Value Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co's Enterprise Value 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: Enterprise Value Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co's Enterprise Value, along with its competitors' market caps and Enterprise Value 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 Enterprise Value vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Enterprise Value distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Enterprise Value falls into.
Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash, cash equivalents, and marketable securities.
SIC Insurance Co's Enterprise Value for the fiscal year that ended in Dec. 2024 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.
What does a Enterprise Value of GHS1,030.7 Mil mean?
SIC Insurance Co (XGHA:SIC) has a Enterprise Value of GHS1,030.7 Mil as of Jul. 30, 2026. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on SIC Insurance Co and its competitors.
Is SIC Insurance Co's Enterprise Value too high?
SIC Insurance Co's current Enterprise Value is GHS1,030.7 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 Enterprise Value compare to CB and PGR?
SIC Insurance Co's Enterprise Value of GHS1,030.7 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 Enterprise Value for an Insurance company?
A good Enterprise Value depends on the Insurance industry context. However, Enterprise Value 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 Enterprise Value mean?
A high Enterprise Value can signal that a stock is expensive relative to its fundamentals. Enterprise value equals the sum of market cap, debt and preferred shares less cash and equivalents. View historical data on SIC Insurance Co and its competitors. SIC Insurance Co's current Enterprise Value is GHS1,030.7 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 Enterprise Value is GHS1,030.7 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 Enterprise Value calculated?
Enterprise Value is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Enterprise Value is GHS1,030.7 Mil 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:
Enterprise Value: GHS1,030.7 Mil
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
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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