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CIC Insurance GroupNAI:CIC +2.13%78 5-Year Yield-on-Cost % is 2.77 as of Aug. 26, 2026, which is 10% below its 10-year median of 3.08. 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. Among 421 Insurance companies, CIC Insurance Group ranks worse than 66.75% on this metric.
CIC Insurance Group's yield on cost for the quarter that ended in Dec. 2025 was 2.77.
The historical rank and industry rank for CIC Insurance Group's 5-Year Yield-on-Cost % or its related term are showing as below:
NAI:CIC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.6 Med: 3.08 Max: 6.52
Current: 2.77
During the past 13 years, CIC Insurance Group's highest Yield on Cost was 6.52. The lowest was 1.60. And the median was 3.08.
NAI:CIC's 5-Year Yield-on-Cost % is ranked worse than 66.75% of 421
companies
in the Insurance industry
Industry Median: 3.86
vs NAI:CIC: 2.77
CIC Insurance Group (NAI:CIC) 5-Year Yield-on-Cost % Explanation
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
CIC Insurance Group 5-Year Yield-on-Cost % Related Terms
NAI:CIC vs BRK.A, AIG, HIG: 5-Year Yield-on-Cost % Comparison
For the Insurance - Diversified subindustry, CIC Insurance Group's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, CIC Insurance Group's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where CIC Insurance Group's 5-Year Yield-on-Cost % falls into.
CIC Insurance Group 5-Year Yield-on-Cost % Calculation
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
CIC Insurance Group (NAI:CIC) has a 5-Year Yield-on-Cost % of 2.77 as of Aug. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CIC Insurance Group and its competitors. This is 10% below median its historical median of 3.08. Over the past decade, CIC Insurance Group's 5-Year Yield-on-Cost % has ranged from 1.60 to 6.52. According to the industry distribution chart, CIC Insurance Group ranks #281 out of 421 companies in the Insurance industry, placing it in the top 66.7%.
Is CIC Insurance Group's 5-Year Yield-on-Cost % too high?
CIC Insurance Group's current 5-Year Yield-on-Cost % of 2.77 is 10% below median its 10-year median of 3.08. Over the past 10 years, this metric has ranged from a low of 1.60 to a high of 6.52. The Insurance industry median 5-Year Yield-on-Cost % is 3.86. CIC Insurance Group's value of 2.77 is 28.2% below this industry median. Based on the distribution chart, CIC Insurance Group ranks #281 out of 421 companies in the Insurance industry, which is below the industry midpoint. 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 5-Year Yield-on-Cost % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, CIC Insurance Group ranks #281 out of 421 companies for 5-Year Yield-on-Cost %. This places CIC Insurance Group in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.86. CIC Insurance Group's value of 2.77 is 28.2% below this benchmark. Historically, CIC Insurance Group's own 5-Year Yield-on-Cost % has ranged from 1.60 to 6.52 over the past decade. While the company's 10-year median is 3.08 vs. the industry median of 3.86, CIC Insurance Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 5-Year Yield-on-Cost % for an Insurance company?
The median 5-Year Yield-on-Cost % among Insurance companies is 3.86, based on 421 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. CIC Insurance Group's current 5-Year Yield-on-Cost % of 2.77 is 28.2% 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 Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on CIC Insurance Group and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.86 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CIC Insurance Group's current 5-Year Yield-on-Cost % is 2.77, which is 10% below median its own 10-year median of 3.08. 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 5-Year Yield-on-Cost % is 2.77, which is 10% below median its 10-year median of 3.08 and 28.2% below the Insurance industry median of 3.86. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For CIC Insurance Group (NAI:CIC), the current 5-Year Yield-on-Cost % is 2.77 as of Aug. 26, 2026. 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:
5-Year Yield-on-Cost %: 2.77 (10% below median its 10-year median of 3.08)
GF Value™: KES3.42 vs. price of KES4.80 (40.4% above fair value)
Industry Position: 28.2% below the Insurance median (#281 of 421)
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.
78GF Score
Get the complete analysis for NAI:CIC
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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