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SIC Insurance CoXGHA:SIC 51 Dividend Payout Ratio is 0.19 as of Dec. 2024, which is 58% above its 10-year median of 0.12. 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 335 Insurance companies, SIC Insurance Co ranks better than 76.42% 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. SIC Insurance Co's Dividend Payout Ratio for the
months ended in Dec. 2024 was 0.19.
The historical rank and industry rank for SIC Insurance Co's Dividend Payout Ratio or its related term are showing as below:
XGHA:SIC'
s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04 Med: 0.12 Max: 0.39
Current: 0.19
During the past 13 years, the highest Dividend Payout Ratio of SIC Insurance Co was 0.39. The lowest was 0.04. And the median was 0.12.
XGHA:SIC's Dividend Payout Ratio is ranked better than 76.42% of 335
companies
in the Insurance industry
Industry Median: 0.38
vs XGHA:SIC: 0.19
During the past 3 years, the average Dividends Per Share Growth Rate was 50.40% per year.
During the past 13 years, the highest 3-Year average Dividends Per Share Growth Rate of SIC Insurance Co was 50.40% per year. The lowest was 18.60% per year. And the median was 34.50% 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.
SIC Insurance Co (XGHA:SIC) 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.
SIC Insurance Co Dividend Payout Ratio Related Terms
SIC Insurance Co Dividend Payout Ratio Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co'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.
XGHA:SIC vs CB, PGR, TRV: Dividend Payout Ratio Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co'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.
SIC Insurance Co Dividend Payout Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Dividend Payout Ratio distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Dividend Payout Ratio falls into.
SIC Insurance Co 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.
SIC Insurance Co's Dividend Payout Ratio for the fiscal year that ended in Dec. 2024 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.
SIC Insurance Co (XGHA:SIC) has a Dividend Payout Ratio of 0.19 as of Dec. 2024. Dividend payout ratio is the percent of company earnings paid out as dividends. View historical data on SIC Insurance Co and its competitors. This is 58% above median its historical median of 0.12. Over the past decade, SIC Insurance Co's Dividend Payout Ratio has ranged from 0.04 to 0.39. According to the industry distribution chart, SIC Insurance Co ranks #79 out of 335 companies in the Insurance industry, placing it in the top 23.6%.
Is SIC Insurance Co's Dividend Payout Ratio too high?
SIC Insurance Co's current Dividend Payout Ratio of 0.19 is 58% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 0.39. The Insurance industry median Dividend Payout Ratio is 0.38. SIC Insurance Co's value of 0.19 is 50% below this industry median. Based on the distribution chart, SIC Insurance Co ranks #79 out of 335 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 Dividend Payout Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #79 out of 335 companies for Dividend Payout Ratio. This places SIC Insurance Co in the top 24% of its industry — outperforming the majority of peers. The industry median Dividend Payout Ratio is 0.38. SIC Insurance Co's value of 0.19 is 50% below this benchmark. Historically, SIC Insurance Co's own Dividend Payout Ratio has ranged from 0.04 to 0.39 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.38, SIC Insurance Co has consistently been below 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. SIC Insurance Co's current Dividend Payout Ratio of 0.19 is 50% below 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 SIC Insurance Co 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. SIC Insurance Co's current Dividend Payout Ratio is 0.19, which is 58% above median its own 10-year median of 0.12. 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 Dividend Payout Ratio is 0.19, which is 58% above median its 10-year median of 0.12 and 50% below the Insurance industry median of 0.38. 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 Dividend Payout Ratio calculated?
Dividend Payout Ratio is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Dividend Payout Ratio is 0.19 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:
Dividend Payout Ratio: 0.19 (58% above median its 10-year median of 0.12)
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 50% below the Insurance median (#79 of 335)
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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