NICO Holdings (MSW:NICO) GF Value Rank: 6 (As of Jul. 12, 2026) — 500% Above Median


MSW:NICO NICO Holdings PLC MSW:NICO
77 GF Score
Price MWK1,498.42
GF Value MWK1,258.21
Valuation Modestly Overvalued
! 2 Warning Signs
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What is NICO Holdings GF Value Rank?

NICO Holdings MSW:NICO -0.10% 77 GF Value Rank is 6 as of Jul. 12, 2026, which is 500% above its 10-year median of 1.00. GuruFocus rates MSW:NICO with a GF Score™ of 77/100 and a GF Value™ of MWK1,258.21 (Modestly Overvalued). The stock has 2 warning signs investors should review.

NICO Holdings has the GF Value Rank of 6.

GF Value Rank evaluates the exclusive GuruFocus valuation and performance of a stock, rated on a scale from 1 to 10. It is determined by the price-to-GF-Value (P/GF Value) ratio, a proprietary metric calculated based on historical multiples along with an adjustment factor based on a company's past returns and growth and future estimates of the business' performance.

GuruFocus found that for valuation, we cannot simply give stocks a better GF Value rank simply because they have a lower P/GF Value ratio. Backtesting shows that over the long term, the two worst-performing groups are the most expensive group (with the highest P/GF Value ratio) and the least expensive group (with the lowest P/GF Value ratio).

We can understand why the most expensive group underperforms. We were initially puzzled by the underperformance of the least expensive group, but we realized there is a reason why some stocks are super cheap. If they look too undervalued, it is often because the businesses behind them are poor quality. The market realized this and gave them low valuations. In a way, the market is efficient.

After multiple backtesting analyses, we granted the stocks in third-cheapest percentile the highest GF Value rank, as they have performed the best over a full market cycle. Stock performance is actually not as sensitive to valuation as it is to growth and profitability. On average, the companies in the 20%-50% valuation groups have similar performances. Therefore, we should avoid the most expensive and the least expensive stocks. We can be more tolerant of valuation.

A higher score indicates a stock with a relatively low valuation and substantial potential for outperformance. Conversely, a lower score often reflects stocks that are either highly overvalued or deeply undervalued, both of which tend to underperform.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

NICO Holdings GF Value Rank Related Terms

MSW:NICO vs BRK.A, AIG, HIG: GF Value Rank Comparison

For the Insurance - Diversified subindustry, NICO Holdings's GF Value Rank, along with its competitors' market caps and GF Value Rank 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.

NICO Holdings GF Value Rank vs Insurance Industry

For the Insurance industry and Financial Services sector, NICO Holdings's GF Value Rank distribution charts can be found below:

* The bar in red indicates where NICO Holdings's GF Value Rank falls into.


MSW:NICO
77GF Score
NICO Holdings PLC MSW:NICO
GF Value Rank is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Value Rank →
What does a GF Value Rank of 6 mean?
NICO Holdings (MSW:NICO) has a GF Value Rank of 6 as of Jul. 12, 2026. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on NICO Holdings and its competitors. This is 500% above median its historical median of 1.00. Over the past decade, NICO Holdings' GF Value Rank has ranged from 1.00 to 1.00.
Is NICO Holdings' GF Value Rank too high?
NICO Holdings' current GF Value Rank of 6 is 500% above median its 10-year median of 1.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 1.00. Overall, NICO Holdings has a GF Score™ of 77/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NICO Holdings' GF Value Rank compare to BRK.A and AIG?
NICO Holdings' GF Value Rank of 6 can be compared against companies in the Insurance industry. Historically, NICO Holdings' own GF Value Rank has ranged from 1.00 to 1.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Value Rank for an Insurance company?
A good GF Value Rank depends on the Insurance industry context. However, GF Value Rank 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 GF Value Rank mean?
A high GF Value Rank can signal that a stock is expensive relative to its fundamentals. GF Value Rank is given based on historical multiples along with past returns, growth and future estimates of the business' performance. View historical data on NICO Holdings and its competitors. NICO Holdings's current GF Value Rank is 6, which is 500% above median its own 10-year median of 1.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NICO Holdings stock overvalued right now?
Based on GuruFocus' analysis, NICO Holdings (MSW:NICO) is currently considered Modestly Overvalued. The stock's GF Value™ is MWK1,258.21, compared to a current price of MWK1,498.42 — trading 19.1% above its estimated fair value. The current GF Value Rank is 6, which is 500% above median its 10-year median of 1.00. NICO Holdings' overall GF Score™ is 77/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Value Rank calculated?
GF Value Rank is calculated from a company's financial statements. For NICO Holdings (MSW:NICO), the current GF Value Rank is 6 as of Jul. 12, 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 NICO Holdings (MSW:NICO) Overvalued in 2026?

Based on GuruFocus' analysis, NICO Holdings stock appears to be overvalued. The current stock price of MWK1,498.42 is trading 19.1% above its estimated GF Value™ of MWK1,258.21. GuruFocus considers NICO Holdings to be Modestly Overvalued.

Key valuation signals for MSW:NICO:

  • GF Value Rank: 6 (500% above median its 10-year median of 1.00)
  • GF Value™: MWK1,258.21 vs. price of MWK1,498.42 (19.1% above fair value)
  • GF Score™: 77/100 with 2 warning signs

No single metric tells the full story. See the MSW:NICO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

NICO Holdings Business Description

Address Chibisa House-19 Glyn Jones Road, PO Box 501, Blantyre, MWI
NICO Holdings PLC is a Malawi-based financial service company that operates in diversified business. Its segments include Life Insurance and Pension, General Insurance business, Banking business, Investment Holding, Asset Management, and Information Technology. Its general insurance segment offers personal and commercial insurance covering motor vehicle, building, road construction, liability, engineering, professional indemnity, marine hull & cargo, fire, and personal accidents throughout Malawi, Zambia, Tanzania, and Uganda. In contrast, life insurance and pension products including Endowment Assurance are offered in Malawi and Mozambique. The majority of the revenue is earned from the Insurance sector. while its Asset Management and Banking segments only operate in Malawi.
77GF Score

Get the complete analysis for MSW:NICO

GF Value Rank is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

MWK1,498.42
Price
MWK1,258.21
GF Value