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Retained earnings is the accumulated portion of net income that is not distributed to shareholders. CIC Insurance Group's retained earnings for the quarter that ended in Dec. 2025 was KES6,517 Mil.
CIC Insurance Group's quarterly retained earnings
increased
from Dec. 2023 (KES5,018 Mil) to Dec. 2024 (KES6,711 Mil) but then
declined
from Dec. 2024 (KES6,711 Mil) to Dec. 2025 (KES6,517 Mil).
CIC Insurance Group's annual retained earnings
increased
from Dec. 2023 (KES5,018 Mil) to Dec. 2024 (KES6,711 Mil) but then
declined
from Dec. 2024 (KES6,711 Mil) to Dec. 2025 (KES6,517 Mil).
CIC Insurance Group (NAI:CIC) Retained Earnings Explanation
Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.
For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.
If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.
Of course, many companies with negative retained earnings have indeed lost money in the past.
Retained Earnings: Warren Buffett's Secret.
One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.
If the company loses more than it has accumulated, retained earnings is negative.
If a company isn't adding to its retained earnings, it isn't growing its net worth.
Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.
Microsoft is negative because it chose to buyback stock and pay dividends.
The more earnings retained, the faster it grows and increases growth rate for future earnings.
CIC Insurance Group Retained Earnings Historical Data
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The historical data trend for CIC Insurance Group's Retained Earnings 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.
Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.
Of course, if a company loses, it is called retained losses, or accumulated losses.
What does a Retained Earnings of KES6,517 Mil mean?
CIC Insurance Group (NAI:CIC) has a Retained Earnings of KES6,517 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on CIC Insurance Group and its competitors.
Is CIC Insurance Group's Retained Earnings too high?
CIC Insurance Group's current Retained Earnings is KES6,517 Mil. 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 Retained Earnings compare to BRK.A and AIG?
CIC Insurance Group's Retained Earnings of KES6,517 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on CIC Insurance Group and its competitors. CIC Insurance Group's current Retained Earnings is KES6,517 Mil. 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 Retained Earnings is KES6,517 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current Retained Earnings is KES6,517 Mil as of Dec. 2025. 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:
Retained Earnings: KES6,517 Mil
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
Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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