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5-Year Return on Invested Incremental Capital (5-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 5-year.
CIC Insurance Group's 5-Year ROIIC % for the quarter that ended in Dec. 2025 was 1.36%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for CIC Insurance Group's 5-Year ROIIC % or its related term are showing as below:
NAI:CIC's 5-Year ROIIC % is ranked worse than 61.86% of 312
companies
in the Insurance industry
Industry Median: 3.4
vs NAI:CIC: 1.36
CIC Insurance Group (NAI:CIC) 5-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
CIC Insurance Group 5-Year ROIIC % Related Terms
CIC Insurance Group 5-Year ROIIC % Historical Data
* Premium members only.
The historical data trend for CIC Insurance Group's 5-Year ROIIC % 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.
NAI:CIC vs BRK.A, AIG, HIG: 5-Year ROIIC % Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's 5-Year ROIIC %, along with its competitors' market caps and 5-Year ROIIC % 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 5-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's 5-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's 5-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 5-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
CIC Insurance Group (NAI:CIC) has a 5-Year ROIIC % of 1.36 as of Dec. 2025. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on CIC Insurance Group and its competitors. According to the industry distribution chart, CIC Insurance Group ranks #193 out of 312 companies in the Insurance industry, placing it in the top 61.9%.
Is CIC Insurance Group's 5-Year ROIIC % too high?
CIC Insurance Group's current 5-Year ROIIC % is 1.36. The Insurance industry median 5-Year ROIIC % is 3.40. CIC Insurance Group's value of 1.36 is 60% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #193 out of 312 companies in the Insurance industry, which is below the industry midpoint. 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 5-Year ROIIC % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #193 out of 312 companies for 5-Year ROIIC %. This places CIC Insurance Group in the lower half of its industry. The industry median 5-Year ROIIC % is 3.40. CIC Insurance Group's value of 1.36 is 60% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year ROIIC % for an Insurance company?
The median 5-Year ROIIC % among Insurance companies is 3.40, based on 312 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current 5-Year ROIIC % of 1.36 is 60% 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 5-Year ROIIC % mean?
A high 5-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 5-Year ROIIC % measures the change in earnings as a percentage of change in investment over 5-year. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median 5-Year ROIIC % is 3.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current 5-Year ROIIC % is 1.36. 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 5-Year ROIIC % is 1.36 and 60% below the Insurance industry median of 3.40. 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 5-Year ROIIC % calculated?
5-Year ROIIC % is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current 5-Year ROIIC % is 1.36 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 KES4.69 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:
5-Year ROIIC %: 1.36
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 60% below the Insurance median (#193 of 312)
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
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