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CIC Insurance GroupNAI:CIC -3.70%75 Dividend Payout Ratio is 0.62 as of Dec. 2025, which is at its 10-year median of 0.62. 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 335 Insurance companies, CIC Insurance Group ranks worse than 74.63% on this metric.
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period. CIC Insurance Group's Dividend Payout Ratio for the
months ended in Dec. 2025 was 0.62.
The historical rank and industry rank for CIC Insurance Group's Dividend Payout Ratio or its related term are showing as below:
NAI:CIC'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.11 Med: 0.62 Max: 1.23
Current: 0.62
During the past 13 years, the highest Dividend Payout Ratio of CIC Insurance Group was 1.23. The lowest was 0.11. And the median was 0.62.
NAI:CIC's Dividend Payout Ratio is ranked worse than 74.63% of 335
companies
in the Insurance industry
Industry Median: 0.38
vs NAI:CIC: 0.62
During the past 12 months, CIC Insurance Group's average Dividends Per Share Growth Rate was 10.20% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of CIC Insurance Group was 9.00% per year. The lowest was 6.20% per year. And the median was 6.95% per year.
The growth rate is calculated with least square regression.
For more information regarding to dividend, please check our Dividend Page.
* Please note that "special dividend" is not included in the calculation of dividend per share and related fields.
CIC Insurance Group (NAI:CIC) Dividend Payout Ratio Explanation
In dividends investing, Dividend Payout Ratio and Dividend Growth Rate are the two most important variables for consideration. A lower payout ratio may indicate that the company has more room to increase its dividends.
CIC Insurance Group Dividend Payout Ratio Related Terms
CIC Insurance Group Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for CIC Insurance Group's Dividend Payout Ratio 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: Dividend Payout Ratio Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's Dividend Payout Ratio, along with its competitors' market caps and Dividend Payout Ratio 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 Dividend Payout Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's Dividend Payout Ratio falls into.
CIC Insurance Group Dividend Payout Ratio Calculation
The Dividend Payout Ratio is the measure of dividends paid out to shareholders relative to the company's net income. It is calculated as the Dividends per Share divided by the Earnings per Share (Diluted) during the same time period.
CIC Insurance Group's Dividend Payout Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 Dividend Payout Ratio of 0.62 as of Dec. 2025. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on CIC Insurance Group and its competitors. This is near median its historical median of 0.62. Over the past decade, CIC Insurance Group's Dividend Payout Ratio has ranged from 0.11 to 1.23. According to the industry distribution chart, CIC Insurance Group ranks #250 out of 335 companies in the Insurance industry, placing it in the top 74.6%.
Is CIC Insurance Group's Dividend Payout Ratio too high?
CIC Insurance Group's current Dividend Payout Ratio of 0.62 is near median its 10-year median of 0.62. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.23. The Insurance industry median Dividend Payout Ratio is 0.38. CIC Insurance Group's value of 0.62 is 63.2% above this industry median. Based on the distribution chart, CIC Insurance Group ranks #250 out of 335 companies in the Insurance industry, which is below 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 Dividend Payout Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #250 out of 335 companies for Dividend Payout Ratio. This places CIC Insurance Group in the lower half of its industry. The industry median Dividend Payout Ratio is 0.38. CIC Insurance Group's value of 0.62 is 63.2% above this benchmark. Historically, CIC Insurance Group's own Dividend Payout Ratio has ranged from 0.11 to 1.23 over the past decade. While the company's 10-year median is 0.62 vs. the industry median of 0.38, 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 Dividend Payout Ratio for an Insurance company?
The median Dividend Payout Ratio among Insurance companies is 0.38, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a Dividend Payout Ratio significantly above this median, while those in the bottom quartile fall well below. However, Dividend Payout Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current Dividend Payout Ratio of 0.62 is 63.2% 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 Dividend Payout Ratio mean?
A high Dividend Payout Ratio can signal that a stock is expensive relative to its fundamentals. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median Dividend Payout Ratio is 0.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current Dividend Payout Ratio is 0.62, which is near median its own 10-year median of 0.62. 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 Dividend Payout Ratio is 0.62, which is near median its 10-year median of 0.62 and 63.2% above the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current Dividend Payout Ratio is 0.62 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:
Dividend Payout Ratio: 0.62 (near median its 10-year median of 0.62)
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 63.2% above the Insurance median (#250 of 335)
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
Dividend Payout Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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