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SIC Insurance CoXGHA:SIC 51 Interest Coverage is 48.06 as of Dec. 2024, which is 270% above its 10-year median of 12.99. GuruFocus rates XGHA:SIC with a GF Score™ of 51/100 and a GF Value™ of GHS0.58 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 350 Insurance companies, SIC Insurance Co ranks better than 71.14% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
EBIT
by its Interest Expense. SIC Insurance Co's
EBIT
for the
six
months ended in Dec. 2024 was GHS85.0 Mil. SIC Insurance Co's Interest Expense for the
six
months ended in Dec. 2024 was GHS-1.8 Mil.
SIC Insurance Co's interest coverage for the quarter that ended in Dec. 2024 was 48.06.
The higher the ratio, the stronger the company's financial strength is.
The historical rank and industry rank for SIC Insurance Co's Interest Coverage or its related term are showing as below:
XGHA:SIC'
s Interest Coverage Range Over the Past 10 Years
Min: 5.39 Med: 12.99 Max: 48.06
Current: 48.06
XGHA:SIC's Interest Coverage is ranked better than 71.14% of 350
companies
in the Insurance industry
Industry Median: 16.145
vs XGHA:SIC: 48.06
SIC Insurance Co (XGHA:SIC) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
SIC Insurance Co Interest Coverage Related Terms
SIC Insurance Co Interest Coverage Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co's Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
XGHA:SIC vs CB, PGR, TRV: Interest Coverage Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Interest Coverage distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Interest Coverage falls into.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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 Interest Coverage of 48.06 as of Dec. 2024. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SIC Insurance Co and its competitors. This is 270% above median its historical median of 12.99. Over the past decade, SIC Insurance Co's Interest Coverage has ranged from 5.39 to 48.06. According to the industry distribution chart, SIC Insurance Co ranks #101 out of 350 companies in the Insurance industry, placing it in the top 28.9%.
Is SIC Insurance Co's Interest Coverage too high?
SIC Insurance Co's current Interest Coverage of 48.06 is 270% above median its 10-year median of 12.99. Over the past 10 years, this metric has ranged from a low of 5.39 to a high of 48.06. The Insurance industry median Interest Coverage is 16.15. SIC Insurance Co's value of 48.06 is 197.7% above this industry median. Based on the distribution chart, SIC Insurance Co ranks #101 out of 350 companies in the Insurance industry, which is above the industry midpoint. 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 Interest Coverage compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #101 out of 350 companies for Interest Coverage. This puts SIC Insurance Co in the upper half of its industry. The industry median Interest Coverage is 16.15. SIC Insurance Co's value of 48.06 is 197.7% above this benchmark. Historically, SIC Insurance Co's own Interest Coverage has ranged from 5.39 to 48.06 over the past decade. While the company's 10-year median is 12.99 vs. the industry median of 16.15, SIC Insurance Co 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 Interest Coverage for an Insurance company?
The median Interest Coverage among Insurance companies is 16.15, based on 350 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SIC Insurance Co's current Interest Coverage of 48.06 is 197.7% 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on SIC Insurance Co and its competitors. For the Insurance industry, the median Interest Coverage is 16.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current Interest Coverage is 48.06, which is 270% above median its own 10-year median of 12.99. 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 Interest Coverage is 48.06, which is 270% above median its 10-year median of 12.99 and 197.7% above the Insurance industry median of 16.15. 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 Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Interest Coverage is 48.06 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:
Interest Coverage: 48.06 (270% above median its 10-year median of 12.99)
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 197.7% above the Insurance median (#101 of 350)
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
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