SIC Insurance Co (XGHA:SIC) ROE % Adjusted to Book Value: 119.88% (As of Dec. 2024)

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XGHA:SIC SIC Insurance Co Ltd XGHA:SIC
51 GF Score
Price GHS5.80
GF Value GHS0.58
Valuation Significantly Overvalued
! 1 Warning Sign
View Full Analysis

What is SIC Insurance Co ROE % Adjusted to Book Value?

SIC Insurance Co XGHA:SIC 51 ROE % Adjusted to Book Value is 119.88% as of Dec. 2024. 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.

SIC Insurance Co's ROE % for the quarter that ended in Dec. 2024 was 9.59%. SIC Insurance Co's PB Ratio for the quarter that ended in Dec. 2024 was 0.08. SIC Insurance Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2024 was 119.88%.


SIC Insurance Co ROE % Adjusted to Book Value Related Terms


SIC Insurance Co ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for SIC Insurance Co's ROE % Adjusted to Book 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.

SIC Insurance Co ROE % Adjusted to Book Value Chart

SIC Insurance Co Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 81.33 484.00 38.38 31.80 119.88

SIC Insurance Co Semi-Annual Data
Dec09 Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 81.33 484.00 38.38 31.80 119.88

XGHA:SIC vs CB, PGR, TRV: ROE % Adjusted to Book Value Comparison

For the Insurance - Property & Casualty subindustry, SIC Insurance Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book 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.


SIC Insurance Co ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, SIC Insurance Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where SIC Insurance Co's ROE % Adjusted to Book Value falls into.


XGHA:SIC
51GF Score
SIC Insurance Co Ltd XGHA:SIC
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

SIC Insurance Co ROE % Adjusted to Book Value Calculation

SIC Insurance Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2024 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.59% / 0.08
=119.88%

SIC Insurance Co's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2024 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.59% / 0.08
=119.88%

* 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.

What does a ROE % Adjusted to Book Value of 119.88% mean?
SIC Insurance Co (XGHA:SIC) has a ROE % Adjusted to Book Value of 119.88% as of Dec. 2024. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SIC Insurance Co and its competitors.
Is SIC Insurance Co's ROE % Adjusted to Book Value too high?
SIC Insurance Co's current ROE % Adjusted to Book Value is 119.88%. 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 ROE % Adjusted to Book Value compare to CB and PGR?
SIC Insurance Co's ROE % Adjusted to Book Value of 119.88% 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 ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on SIC Insurance Co and its competitors. SIC Insurance Co's current ROE % Adjusted to Book Value is 119.88%. 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 ROE % Adjusted to Book Value is 119.88%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current ROE % Adjusted to Book Value is 119.88% 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:

  • ROE % Adjusted to Book Value: 119.88%
  • GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
  • GF Score™: 51/100 with 1 warning sign

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 Business Description

Address Ring Road East, Nyemitei House No.15, Osu, Accra, GHA
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

Get the complete analysis for XGHA:SIC

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS5.80
Price
GHS0.58
GF Value