CIC Insurance Group (NAI:CIC) Long-Term Debt: KES5,025 Mil (As of Dec. 2025)

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NAI:CIC CIC Insurance Group Ltd NAI:CIC
75 GF Score
Price KES4.69
GF Value KES3.39
Valuation Significantly Overvalued
! 3 Warning Signs
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What is CIC Insurance Group Long-Term Debt?

CIC Insurance Group NAI:CIC -3.70% 75 Long-Term Debt is KES5,025 Mil as of Dec. 2025. 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.

CIC Insurance Group's Long-Term Debt for the quarter that ended in Dec. 2025 was KES5,025 Mil.

CIC Insurance Group's quarterly Long-Term Debt increased from Dec. 2023 (KES5,081 Mil) to Dec. 2024 (KES5,271 Mil) but then declined from Dec. 2024 (KES5,271 Mil) to Dec. 2025 (KES5,025 Mil).

CIC Insurance Group's annual Long-Term Debt increased from Dec. 2023 (KES5,081 Mil) to Dec. 2024 (KES5,271 Mil) but then declined from Dec. 2024 (KES5,271 Mil) to Dec. 2025 (KES5,025 Mil).

CIC Insurance Group  (NAI:CIC) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

CIC Insurance Group Long-Term Debt Related Terms

CIC Insurance Group Long-Term Debt Historical Data

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The historical data trend for CIC Insurance Group's Long-Term Debt 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.

CIC Insurance Group Long-Term Debt Chart

CIC Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4,363.60 4,571.60 5,081.16 5,271.37 5,024.83

CIC Insurance Group Semi-Annual Data
Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 4,363.60 4,571.60 5,081.16 5,271.37 5,024.83
NAI:CIC
75GF Score
CIC Insurance Group Ltd NAI:CIC
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of KES5,025 Mil mean?
CIC Insurance Group (NAI:CIC) has a Long-Term Debt of KES5,025 Mil as of Dec. 2025.
Is CIC Insurance Group's Long-Term Debt too high?
CIC Insurance Group's current Long-Term Debt is KES5,025 Mil. 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 Long-Term Debt compare to BRK.A and AIG?
CIC Insurance Group's Long-Term Debt of KES5,025 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 Long-Term Debt for an Insurance company?
A good Long-Term Debt depends on the Insurance industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. CIC Insurance Group's current Long-Term Debt is KES5,025 Mil. 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 Long-Term Debt is KES5,025 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current Long-Term Debt is KES5,025 Mil 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:

  • Long-Term Debt: KES5,025 Mil
  • GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
  • GF Score™: 75/100 with 3 warning signs

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 Business Description

Address Mara Road, Upper Hill, P.O. Box 59485, CIC Plaza, Nairobi, KEN, 00200
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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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES4.69
Price
KES3.39
GF Value