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CIC Insurance GroupNAI:CIC -3.70%75 PB Ratio is 1.13 as of Aug. 07, 2026, which is 33% above its 10-year median of 0.85. 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 497 Insurance companies, CIC Insurance Group ranks better than 63.58% on this metric.
The historical rank and industry rank for CIC Insurance Group's PB Ratio or its related term are showing as below:
NAI:CIC'
s PB Ratio Range Over the Past 10 Years
Min: 0.51 Med: 0.85 Max: 2.23
Current: 1.13
During the past 13 years, CIC Insurance Group's highest PB Ratio was 2.23. The lowest was 0.51. And the median was 0.85.
NAI:CIC's PB Ratio is ranked better than 63.58% of 497
companies
in the Insurance industry
Industry Median: 1.39
vs NAI:CIC: 1.13
During the past 12 months, CIC Insurance Group's average Book Value Per Share Growth Rate was 7.70% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 17.20% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 10.00% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.50% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of CIC Insurance Group was 18.80% per year. The lowest was -1.90% per year. And the median was 1.90% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
CIC Insurance Group PB Ratio Related Terms
CIC Insurance Group PB Ratio Historical Data
* Premium members only.
The historical data trend for CIC Insurance Group's PB 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.
For the Insurance - Diversified subindustry, CIC Insurance Group's PB Ratio, along with its competitors' market caps and PB 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's PB Ratio distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
CIC Insurance Group (NAI:CIC) has a PB Ratio of 1.13 as of Aug. 07, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CIC Insurance Group and its competitors. This is 33% above median its historical median of 0.85. Over the past decade, CIC Insurance Group's PB Ratio has ranged from 0.51 to 2.23. According to the industry distribution chart, CIC Insurance Group ranks #181 out of 497 companies in the Insurance industry, placing it in the top 36.4%.
Is CIC Insurance Group's PB Ratio too high?
CIC Insurance Group's current PB Ratio of 1.13 is 33% above median its 10-year median of 0.85. Over the past 10 years, this metric has ranged from a low of 0.51 to a high of 2.23. The Insurance industry median PB Ratio is 1.39. CIC Insurance Group's value of 1.13 is 18.7% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #181 out of 497 companies in the Insurance industry, which is above 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 PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #181 out of 497 companies for PB Ratio. This puts CIC Insurance Group in the upper half of its industry. The industry median PB Ratio is 1.39. CIC Insurance Group's value of 1.13 is 18.7% below this benchmark. Historically, CIC Insurance Group's own PB Ratio has ranged from 0.51 to 2.23 over the past decade. While the company's 10-year median is 0.85 vs. the industry median of 1.39, CIC Insurance Group 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.39, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current PB Ratio of 1.13 is 18.7% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current PB Ratio is 1.13, which is 33% above median its own 10-year median of 0.85. 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 PB Ratio is 1.13, which is 33% above median its 10-year median of 0.85 and 18.7% below the Insurance industry median of 1.39. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current PB Ratio is 1.13 as of Aug. 07, 2026. 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:
PB Ratio: 1.13 (33% above median its 10-year median of 0.85)
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 18.7% below the Insurance median (#181 of 497)
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
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