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SIC Insurance CoXGHA:SIC 51 Net Margin % is 11.53% as of Dec. 2024, which is 59% above its 10-year median of 7.26. 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 500 Insurance companies, SIC Insurance Co ranks better than 61.2% on this metric.
The historical rank and industry rank for SIC Insurance Co's Net Margin % or its related term are showing as below:
XGHA:SIC'
s Net Margin % Range Over the Past 10 Years
Min: -11.09 Med: 7.26 Max: 27.75
Current: 11.53
XGHA:SIC's Net Margin % is ranked better than 61.2% of 500
companies
in the Insurance industry
Industry Median: 9.175
vs XGHA:SIC: 11.53
SIC Insurance Co (XGHA:SIC) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
SIC Insurance Co Net Margin % Related Terms
SIC Insurance Co Net Margin % Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Net 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 Net Margin % of 11.53% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on SIC Insurance Co and its competitors. This is 59% above median its historical median of 7.26. According to the industry distribution chart, SIC Insurance Co ranks #194 out of 500 companies in the Insurance industry, placing it in the top 38.8%.
Is SIC Insurance Co's Net Margin % too high?
SIC Insurance Co's current Net Margin % of 11.53% is 59% above median its 10-year median of 7.26. The Insurance industry median Net Margin % is 9.18. SIC Insurance Co's value of 11.53% is 25.7% above this industry median. Based on the distribution chart, SIC Insurance Co ranks #194 out of 500 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 Net Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #194 out of 500 companies for Net Margin %. This puts SIC Insurance Co in the upper half of its industry. The industry median Net Margin % is 9.18. SIC Insurance Co's value of 11.53% is 25.7% above this benchmark. While the company's 10-year median is 7.26 vs. the industry median of 9.18, 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.18, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SIC Insurance Co's current Net Margin % of 11.53% is 25.7% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on SIC Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current Net Margin % is 11.53%, which is 59% above median its own 10-year median of 7.26. 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 Net Margin % is 11.53%, which is 59% above median its 10-year median of 7.26 and 25.7% above the Insurance industry median of 9.18. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Net Margin % is 11.53% 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:
Net Margin %: 11.53% (59% above median its 10-year median of 7.26)
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 25.7% above the Insurance median (#194 of 500)
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
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