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SIC Insurance CoXGHA:SIC 51 Pretax Margin % is 17.84% as of Dec. 2024, which is 54% above its 10-year median of 11.58. 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 69.4% on this metric.
The historical rank and industry rank for SIC Insurance Co's Pretax Margin % or its related term are showing as below:
XGHA:SIC'
s Pretax Margin % Range Over the Past 10 Years
Min: -21.92 Med: 11.58 Max: 35.12
Current: 17.84
XGHA:SIC's Pretax Margin % is ranked better than 69.4% of 500
companies
in the Insurance industry
Industry Median: 11.875
vs XGHA:SIC: 17.84
SIC Insurance Co (XGHA:SIC) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
SIC Insurance Co Pretax Margin % Related Terms
SIC Insurance Co Pretax Margin % Historical Data
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The historical data trend for SIC Insurance Co's Pretax 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.
XGHA:SIC vs CB, PGR, TRV: Pretax Margin % Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's Pretax 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 Pretax Margin % of 17.84% as of Dec. 2024. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SIC Insurance Co and its competitors. This is 54% above median its historical median of 11.58. According to the industry distribution chart, SIC Insurance Co ranks #153 out of 500 companies in the Insurance industry, placing it in the top 30.6%.
Is SIC Insurance Co's Pretax Margin % too high?
SIC Insurance Co's current Pretax Margin % of 17.84% is 54% above median its 10-year median of 11.58. The Insurance industry median Pretax Margin % is 11.88. SIC Insurance Co's value of 17.84% is 50.2% above this industry median. Based on the distribution chart, SIC Insurance Co ranks #153 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 Pretax Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #153 out of 500 companies for Pretax Margin %. This puts SIC Insurance Co in the upper half of its industry. The industry median Pretax Margin % is 11.88. SIC Insurance Co's value of 17.84% is 50.2% above this benchmark. While the company's 10-year median is 11.58 vs. the industry median of 11.88, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.88, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SIC Insurance Co's current Pretax Margin % of 17.84% is 50.2% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on SIC Insurance Co and its competitors. For the Insurance industry, the median Pretax Margin % is 11.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current Pretax Margin % is 17.84%, which is 54% above median its own 10-year median of 11.58. 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 Pretax Margin % is 17.84%, which is 54% above median its 10-year median of 11.58 and 50.2% above the Insurance industry median of 11.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current Pretax Margin % is 17.84% 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:
Pretax Margin %: 17.84% (54% above median its 10-year median of 11.58)
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 50.2% above the Insurance median (#153 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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