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Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
SIC Insurance Co's 10-Year RORE % for the quarter that ended in Dec. 2024 was 28.38%.
The industry rank for SIC Insurance Co's 10-Year RORE % or its related term are showing as below:
XGHA:SIC's 10-Year RORE % is ranked better than 77.75% of 382
companies
in the Insurance industry
Industry Median: 12.755
vs XGHA:SIC: 28.38
SIC Insurance Co (XGHA:SIC) 10-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 10-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
SIC Insurance Co 10-Year RORE % Related Terms
SIC Insurance Co 10-Year RORE % Historical Data
* Premium members only.
The historical data trend for SIC Insurance Co's 10-Year RORE % 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.
XGHA:SIC vs CB, PGR, TRV: 10-Year RORE % Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co's 10-Year RORE %, along with its competitors' market caps and 10-Year RORE % 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 10-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's 10-Year RORE % distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's 10-Year RORE % 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.
In the calculation of 10-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2024 and 10-year before.
SIC Insurance Co (XGHA:SIC) has a 10-Year RORE % of 28.38 as of Dec. 2024. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on SIC Insurance Co and its competitors. According to the industry distribution chart, SIC Insurance Co ranks #85 out of 382 companies in the Insurance industry, placing it in the top 22.3%.
Is SIC Insurance Co's 10-Year RORE % too high?
SIC Insurance Co's current 10-Year RORE % is 28.38. The Insurance industry median 10-Year RORE % is 12.76. SIC Insurance Co's value of 28.38 is 122.5% above this industry median. Based on the distribution chart, SIC Insurance Co ranks #85 out of 382 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. 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 10-Year RORE % compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #85 out of 382 companies for 10-Year RORE %. This places SIC Insurance Co in the top 22% of its industry — outperforming the majority of peers. The industry median 10-Year RORE % is 12.76. SIC Insurance Co's value of 28.38 is 122.5% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 10-Year RORE % for an Insurance company?
The median 10-Year RORE % among Insurance companies is 12.76, based on 382 companies in the industry. Companies in the top quartile (top 25%) have a 10-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 10-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. SIC Insurance Co's current 10-Year RORE % of 28.38 is 122.5% above 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 10-Year RORE % mean?
A high 10-Year RORE % can signal that a stock is expensive relative to its fundamentals. 10-Year RORE % shows how much a company earns by reinvesting its retained earnings in 10-year. View historical data on SIC Insurance Co and its competitors. For the Insurance industry, the median 10-Year RORE % is 12.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current 10-Year RORE % is 28.38. 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 10-Year RORE % is 28.38 and 122.5% above the Insurance industry median of 12.76. 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 10-Year RORE % calculated?
10-Year RORE % is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current 10-Year RORE % is 28.38 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:
10-Year RORE %: 28.38
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 122.5% above the Insurance median (#85 of 382)
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 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
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