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.
The historical rank and industry rank for SIC Insurance Co's FCF Margin % or its related term are showing as below:
XGHA:SIC'
s FCF Margin % Range Over the Past 10 Years
Min: -30.92 Med: -8.05 Max: 29.77
Current: 29.77
During the past 13 years, the highest FCF Margin % of SIC Insurance Co was 29.77%. The lowest was -30.92%. And the median was -8.05%.
XGHA:SIC's FCF Margin % is ranked better than 86.03% of 501
companies
in the Insurance industry
Industry Median: 9.96
vs XGHA:SIC: 29.77
SIC Insurance Co FCF Margin % Related Terms
SIC Insurance Co FCF Margin % Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co'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.
For the Insurance - Property & Casualty subindustry, SIC Insurance Co'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.
SIC Insurance Co FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co'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.
SIC Insurance Co (XGHA:SIC) has a FCF Margin % of 29.77% as of Dec. 2024. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on SIC Insurance Co and its competitors. According to the industry distribution chart, SIC Insurance Co ranks #70 out of 501 companies in the Insurance industry, placing it in the top 14%.
Is SIC Insurance Co's FCF Margin % too high?
SIC Insurance Co's current FCF Margin % is 29.77%. The Insurance industry median FCF Margin % is 9.96. SIC Insurance Co's value of 29.77% is 198.9% above this industry median. Based on the distribution chart, SIC Insurance Co ranks #70 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #70 out of 501 companies for FCF Margin %. This places SIC Insurance Co in the top 14% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 9.96. SIC Insurance Co's value of 29.77% is 198.9% above this benchmark. 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 9.96, 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. SIC Insurance Co's current FCF Margin % of 29.77% is 198.9% 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 SIC Insurance Co and its competitors. For the Insurance industry, the median FCF Margin % is 9.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current FCF Margin % is 29.77%. 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 FCF Margin % is 29.77% and 198.9% above the Insurance industry median of 9.96. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current FCF Margin % is 29.77% 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:
FCF Margin %: 29.77%
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 198.9% above the Insurance median (#70 of 501)
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
Get the complete analysis for XGHA:SIC
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
XGHA:SIC has been successfully added to your 
