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Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, CIC Insurance Group's PEG is 1. CIC Insurance Group's 5-Year TTM EBITDA Growth Rate is 25.
CIC Insurance Group's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was KES0.21. Therefore, the Peter Lynch Fair Value for today is KES5.25.
The historical rank and industry rank for CIC Insurance Group's Peter Lynch Fair Value or its related term are showing as below:
NAI:CIC'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.08 Med: 0.26 Max: 0.91
Current: 0.91
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of CIC Insurance Group was 0.91. The lowest was 0.08. And the median was 0.26.
NAI:CIC's Price-to-Peter-Lynch-Fair-Value is ranked worse than 55.26% of 152
companies
in the Insurance industry
Industry Median: 0.805
vs NAI:CIC: 0.91
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
CIC Insurance Group (NAI:CIC) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of EBITDA per share over the past 5 years, which is 25 instead of 15 in this case.
CIC Insurance Group's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
4.80
/
5.25
=
0.91
* 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 Peter Lynch Fair Value Related Terms
CIC Insurance Group Peter Lynch Fair Value Historical Data
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The historical data trend for CIC Insurance Group's Peter Lynch Fair Value 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: Peter Lynch Fair Value Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value 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 Price-to-Peter-Lynch-Fair-Value vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's Price-to-Peter-Lynch-Fair-Value falls into.
For company reported annually, GuruFocus uses latest annual data as the TTM data. CIC Insurance Group's EPS without NRI for the trailing twelve months (TTM) ended in Dec. 2025 was KES0.21.
* 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.
** Please be aware that the 5-Year TTM EBITDA Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data adds up the quarterly data reported by the company within the most recent 12 months. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of KES5.25 mean?
CIC Insurance Group (NAI:CIC) has a Peter Lynch Fair Value of KES5.25 as of Aug. 26, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on CIC Insurance Group and its competitors. According to the industry distribution chart, CIC Insurance Group ranks #84 out of 152 companies in the Insurance industry, placing it in the top 55.3%.
Is CIC Insurance Group's Peter Lynch Fair Value too high?
CIC Insurance Group's current Peter Lynch Fair Value is KES5.25. Based on the distribution chart, CIC Insurance Group ranks #84 out of 152 companies in the Insurance industry, which is below the industry midpoint. Overall, CIC Insurance Group has a GF Score™ of 78/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CIC Insurance Group's Peter Lynch Fair Value compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #84 out of 152 companies for Peter Lynch Fair Value. This places CIC Insurance Group in the lower half of its industry. The industry median Peter Lynch Fair Value is 0.81. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for an Insurance company?
The median Peter Lynch Fair Value among Insurance companies is 0.81, based on 152 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value 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 Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median Peter Lynch Fair Value is 0.81 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current Peter Lynch Fair Value is KES5.25. 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 KES3.42, compared to a current price of KES4.80 — trading 40.4% above its estimated fair value. The current Peter Lynch Fair Value is KES5.25. CIC Insurance Group's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current Peter Lynch Fair Value is KES5.25 as of Aug. 26, 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 KES4.80 is trading 40.4% above its estimated GF Value™ of KES3.42.
GuruFocus considers CIC Insurance Group to be Significantly Overvalued.
Key valuation signals for NAI:CIC:
Peter Lynch Fair Value: KES5.25
GF Value™: KES3.42 vs. price of KES4.80 (40.4% above fair value)
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.
78GF Score
Get the complete analysis for NAI:CIC
Peter Lynch Fair Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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