CIC Insurance Group (NAI:CIC) Short-Term Debt: KES0 Mil (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

NAI:CIC CIC Insurance Group Ltd NAI:CIC
78 GF Score
Price KES4.80
GF Value KES3.42
Valuation Significantly Overvalued
! 3 Warning Signs
View Full Analysis

What is CIC Insurance Group Short-Term Debt?

CIC Insurance Group NAI:CIC +2.13% 78 Short-Term Debt is KES0 Mil as of Dec. 2025. GuruFocus rates NAI:CIC with a GF Score™ of 78/100 and a GF Value™ of KES3.42 (Significantly Overvalued). The stock has 3 warning signs investors should review.

CIC Insurance Group's Short-Term Debt for the quarter that ended in Dec. 2025 was KES0 Mil.

CIC Insurance Group Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

CIC Insurance Group Short-Term Debt Related Terms

CIC Insurance Group Short-Term Debt Historical Data

* Premium members only.

The historical data trend for CIC Insurance Group's Short-Term Debt 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.

CIC Insurance Group Short-Term Debt Chart

CIC Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

CIC Insurance Group Semi-Annual Data
Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Short-Term Debt 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 0.00 0.00 0.00 0.00 0.00
NAI:CIC
78GF Score
CIC Insurance Group Ltd NAI:CIC
Short-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis
Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of KES0 Mil mean?
CIC Insurance Group (NAI:CIC) has a Short-Term Debt of KES0 Mil as of Dec. 2025.
Is CIC Insurance Group's Short-Term Debt too high?
CIC Insurance Group's current Short-Term Debt is KES0 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 Short-Term Debt compare to BRK.A and AIG?
CIC Insurance Group's Short-Term Debt of KES0 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 Short-Term Debt for an Insurance company?
A good Short-Term Debt depends on the Insurance industry context. However, Short-Term Debt 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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. CIC Insurance Group's current Short-Term Debt is KES0 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 Short-Term Debt is KES0 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 Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current Short-Term Debt is KES0 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:

  • Short-Term Debt: KES0 Mil
  • GF Value™: KES3.42 vs. price of KES4.80 (40.4% above fair value)
  • GF Score™: 78/100 with 3 warning signs

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 Business Description

Address Mara Road, Upper Hill, P.O. Box 59485, CIC Plaza, Nairobi, KEN, 00200
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

Short-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KES4.80
Price
KES3.42
GF Value