Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
CIC Insurance GroupNAI:CIC -3.70%75 PS Ratio is 0.40 as of Aug. 07, 2026, which is 11% above its 10-year median of 0.36. 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 501 Insurance companies, CIC Insurance Group ranks better than 88.02% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, CIC Insurance Group's share price is KES4.69.
CIC Insurance Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was KES11.85. Hence, CIC Insurance Group's PS Ratio for today is 0.40.
The historical rank and industry rank for CIC Insurance Group's PS Ratio or its related term are showing as below:
NAI:CIC'
s PS Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.36 Max: 1.26
Current: 0.4
During the past 13 years, CIC Insurance Group's highest PS Ratio was 1.26. The lowest was 0.16. And the median was 0.36.
NAI:CIC's PS Ratio is ranked better than 88.02% of 501
companies
in the Insurance industry
Industry Median: 1.18
vs NAI:CIC: 0.40
CIC Insurance Group Ltd revenue per share is in decline over the past 12 months.
During the past 12 months, the average Revenue per Share Growth Rate of CIC Insurance Group was -3.60% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 25.30% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 17.40% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 9.20% per year.
During the past 13 years, CIC Insurance Group's highest 3-Year average Revenue per Share Growth Rate was 32.90% per year. The lowest was -0.40% per year. And the median was 8.20% per year.
CIC Insurance Group (NAI:CIC) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
CIC Insurance Group PS Ratio Related Terms
CIC Insurance Group PS Ratio Historical Data
* Premium members only.
The historical data trend for CIC Insurance Group's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's PS Ratio distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
CIC Insurance Group's Share Price of today is KES4.69.
For company reported annually, GuruFocus uses latest annual data as the TTM data. CIC Insurance Group's Revenue per Share for the trailing twelve months (TTM) ended in Dec. 2025 was KES11.85.
* 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:
CIC Insurance Group (NAI:CIC) has a PS Ratio of 0.40 as of Aug. 07, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on CIC Insurance Group and its competitors. This is 11% above median its historical median of 0.36. Over the past decade, CIC Insurance Group's PS Ratio has ranged from 0.16 to 1.26. According to the industry distribution chart, CIC Insurance Group ranks #60 out of 501 companies in the Insurance industry, placing it in the top 12%.
Is CIC Insurance Group's PS Ratio too high?
CIC Insurance Group's current PS Ratio of 0.40 is 11% above median its 10-year median of 0.36. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 1.26. The Insurance industry median PS Ratio is 1.18. CIC Insurance Group's value of 0.40 is 66.1% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #60 out of 501 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 PS Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #60 out of 501 companies for PS Ratio. This places CIC Insurance Group in the top 12% of its industry — outperforming the majority of peers. The industry median PS Ratio is 1.18. CIC Insurance Group's value of 0.40 is 66.1% below this benchmark. Historically, CIC Insurance Group's own PS Ratio has ranged from 0.16 to 1.26 over the past decade. While the company's 10-year median is 0.36 vs. the industry median of 1.18, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.18, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current PS Ratio of 0.40 is 66.1% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median PS Ratio is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current PS Ratio is 0.40, which is 11% above median its own 10-year median of 0.36. 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 PS Ratio is 0.40, which is 11% above median its 10-year median of 0.36 and 66.1% below the Insurance industry median of 1.18. 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 PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current PS Ratio is 0.40 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:
PS Ratio: 0.40 (11% above median its 10-year median of 0.36)
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 66.1% below the Insurance median (#60 of 501)
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
PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NAI:CIC has been successfully added to your 
