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CIC Insurance GroupNAI:CIC -3.70%75 EV-to-FCF is 1.06 as of Aug. 07, 2026, which is 72% below its 10-year median of 3.81. 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 393 Insurance companies, CIC Insurance Group ranks better than 92.37% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, CIC Insurance Group's Enterprise Value is KES3,694 Mil.
CIC Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was KES3,499 Mil. Therefore, CIC Insurance Group's EV-to-FCF for today is 1.06.
The historical rank and industry rank for CIC Insurance Group's EV-to-FCF or its related term are showing as below:
NAI:CIC'
s EV-to-FCF Range Over the Past 10 Years
Min: -11.92 Med: 3.81 Max: 57.31
Current: 1.05
During the past 13 years, the highest EV-to-FCF of CIC Insurance Group was 57.31. The lowest was -11.92. And the median was 3.81.
NAI:CIC's EV-to-FCF is ranked better than 92.37% of 393
companies
in the Insurance industry
Industry Median: 9.38
vs NAI:CIC: 1.05
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CIC Insurance Group (NAI:CIC) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
CIC Insurance Group's PE Ratio (TTM) for today is calculated as:
CIC Insurance Group's share price for today is KES4.69.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CIC Insurance Group's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 was KES0.210.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
CIC Insurance Group EV-to-FCF Related Terms
CIC Insurance Group EV-to-FCF Historical Data
* Premium members only.
The historical data trend for CIC Insurance Group's EV-to-FCF 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.
For the Insurance - Diversified subindustry, CIC Insurance Group's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's EV-to-FCF falls into.
CIC Insurance Group's current Enterprise Value is KES3,694 Mil.
For company reported semi-annually, GuruFocus uses latest annual data as the TTM data. CIC Insurance Group's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was KES3,499 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.
CIC Insurance Group (NAI:CIC) has a EV-to-FCF of 1.06 as of Aug. 07, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CIC Insurance Group and its competitors. This is 72% below median its historical median of 3.81. According to the industry distribution chart, CIC Insurance Group ranks #30 out of 393 companies in the Insurance industry, placing it in the top 7.6%.
Is CIC Insurance Group's EV-to-FCF too high?
CIC Insurance Group's current EV-to-FCF of 1.06 is 72% below median its 10-year median of 3.81. The Insurance industry median EV-to-FCF is 9.38. CIC Insurance Group's value of 1.06 is 88.7% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #30 out of 393 companies in the Insurance industry, which is in the top quartile — a strong position 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 EV-to-FCF compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #30 out of 393 companies for EV-to-FCF. This places CIC Insurance Group in the top 8% of its industry — outperforming the majority of peers. The industry median EV-to-FCF is 9.38. CIC Insurance Group's value of 1.06 is 88.7% below this benchmark. While the company's 10-year median is 3.81 vs. the industry median of 9.38, 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 EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.38, based on 393 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current EV-to-FCF of 1.06 is 88.7% 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median EV-to-FCF is 9.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current EV-to-FCF is 1.06, which is 72% below median its own 10-year median of 3.81. 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 EV-to-FCF is 1.06, which is 72% below median its 10-year median of 3.81 and 88.7% below the Insurance industry median of 9.38. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current EV-to-FCF is 1.06 as of Aug. 07, 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 KES4.69 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:
EV-to-FCF: 1.06 (72% below median its 10-year median of 3.81)
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 88.7% below the Insurance median (#30 of 393)
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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