Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CIC Insurance GroupNAI:CIC -3.70%75 FCF Margin % is 10.75% as of Dec. 2025, which is 37% above its 10-year median of 7.87. 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 501 Insurance companies, CIC Insurance Group ranks better than 52.3% on this metric.
The historical data trend for CIC Insurance Group's FCF 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: FCF Margin % Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's FCF Margin %, along with its competitors' market caps and FCF 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's FCF Margin % distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's FCF 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 FCF Margin % of 10.75% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CIC Insurance Group and its competitors. This is 37% above median its historical median of 7.87. According to the industry distribution chart, CIC Insurance Group ranks #239 out of 501 companies in the Insurance industry, placing it in the top 47.7%.
Is CIC Insurance Group's FCF Margin % too high?
CIC Insurance Group's current FCF Margin % of 10.75% is 37% above median its 10-year median of 7.87. The Insurance industry median FCF Margin % is 9.60. CIC Insurance Group's value of 10.75% is 12% above this industry median. Based on the distribution chart, CIC Insurance Group ranks #239 out of 501 companies in the Insurance industry, which is above the industry midpoint. 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 FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #239 out of 501 companies for FCF Margin %. This puts CIC Insurance Group in the upper half of its industry. The industry median FCF Margin % is 9.60. CIC Insurance Group's value of 10.75% is 12% above this benchmark. While the company's 10-year median is 7.87 vs. the industry median of 9.60, CIC Insurance Group has consistently been above 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current FCF Margin % of 10.75% is 12% above 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current FCF Margin % is 10.75%, which is 37% above median its own 10-year median of 7.87. 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 FCF Margin % is 10.75%, which is 37% above median its 10-year median of 7.87 and 12% above the Insurance industry median of 9.60. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current FCF Margin % is 10.75% 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:
FCF Margin %: 10.75% (37% above median its 10-year median of 7.87)
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 12% above the Insurance median (#239 of 501)
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
Get the complete analysis for NAI:CIC
FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NAI:CIC has been successfully added to your 
