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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.
CIC Insurance Group's 5-Year RORE % for the quarter that ended in Dec. 2025 was 0.06%.
The industry rank for CIC Insurance Group's 5-Year RORE % or its related term are showing as below:
NAI:CIC's 5-Year RORE % is ranked worse than 64.88% of 447
companies
in the Insurance industry
Industry Median: 11.96
vs NAI:CIC: 0.06
CIC Insurance Group (NAI:CIC) 5-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, 5-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.
CIC Insurance Group 5-Year RORE % Related Terms
CIC Insurance Group 5-Year RORE % Historical Data
* Premium members only.
The historical data trend for CIC Insurance Group's 5-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.
NAI:CIC vs BRK.A, AIG, HIG: 5-Year RORE % Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's 5-Year RORE %, along with its competitors' market caps and 5-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.
CIC Insurance Group 5-Year RORE % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's 5-Year RORE % distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's 5-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 5-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Dec. 2025 and 5-year before.
CIC Insurance Group (NAI:CIC) has a 5-Year RORE % of 0.06 as of Dec. 2025. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on CIC Insurance Group and its competitors. According to the industry distribution chart, CIC Insurance Group ranks #290 out of 447 companies in the Insurance industry, placing it in the top 64.9%.
Is CIC Insurance Group's 5-Year RORE % too high?
CIC Insurance Group's current 5-Year RORE % is 0.06. The Insurance industry median 5-Year RORE % is 11.96. CIC Insurance Group's value of 0.06 is 99.5% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #290 out of 447 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 RORE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #290 out of 447 companies for 5-Year RORE %. This places CIC Insurance Group in the lower half of its industry. The industry median 5-Year RORE % is 11.96. CIC Insurance Group's value of 0.06 is 99.5% 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 RORE % for an Insurance company?
The median 5-Year RORE % among Insurance companies is 11.96, based on 447 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current 5-Year RORE % of 0.06 is 99.5% 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 RORE % mean?
A high 5-Year RORE % can signal that a stock is expensive relative to its fundamentals. 5-Year RORE % shows how much a company earns by reinvesting its retained earnings in 5-year. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median 5-Year RORE % is 11.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current 5-Year RORE % is 0.06. 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 RORE % is 0.06 and 99.5% below the Insurance industry median of 11.96. 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 RORE % calculated?
5-Year RORE % is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current 5-Year RORE % is 0.06 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 RORE %: 0.06
GF Value™: KES3.39 vs. price of KES4.69 (38.3% above fair value)
Industry Position: 99.5% below the Insurance median (#290 of 447)
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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