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SIC Insurance CoXGHA:SIC 51 5-Year Yield-on-Cost % is 0.88 as of Jul. 30, 2026, which is 90% below its 10-year median of 9.00. GuruFocus rates XGHA:SIC with a GF Score™ of 51/100 and a GF Value™ of GHS0.58 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 419 Insurance companies, SIC Insurance Co ranks worse than 93.56% on this metric.
SIC Insurance Co's yield on cost for the quarter that ended in Dec. 2024 was 0.88.
The historical rank and industry rank for SIC Insurance Co's 5-Year Yield-on-Cost % or its related term are showing as below:
XGHA:SIC'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.73 Med: 9 Max: 23.33
Current: 0.88
During the past 13 years, SIC Insurance Co's highest Yield on Cost was 23.33. The lowest was 0.73. And the median was 9.00.
XGHA:SIC's 5-Year Yield-on-Cost % is ranked worse than 93.56% of 419
companies
in the Insurance industry
Industry Median: 3.87
vs XGHA:SIC: 0.88
SIC Insurance Co (XGHA:SIC) 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.
SIC Insurance Co 5-Year Yield-on-Cost % Related Terms
XGHA:SIC vs CB, PGR, TRV: 5-Year Yield-on-Cost % Comparison
For the Insurance - Property & Casualty subindustry, SIC Insurance Co'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.
SIC Insurance Co 5-Year Yield-on-Cost % vs Insurance Industry
For the Insurance industry and Financial Services sector, SIC Insurance Co's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where SIC Insurance Co's 5-Year Yield-on-Cost % falls into.
SIC Insurance Co 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.
SIC Insurance Co (XGHA:SIC) has a 5-Year Yield-on-Cost % of 0.88 as of Jul. 30, 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 SIC Insurance Co and its competitors. This is 90% below median its historical median of 9.00. Over the past decade, SIC Insurance Co's 5-Year Yield-on-Cost % has ranged from 0.73 to 23.33. According to the industry distribution chart, SIC Insurance Co ranks #392 out of 419 companies in the Insurance industry, placing it in the top 93.6%.
Is SIC Insurance Co's 5-Year Yield-on-Cost % too high?
SIC Insurance Co's current 5-Year Yield-on-Cost % of 0.88 is 90% below median its 10-year median of 9.00. Over the past 10 years, this metric has ranged from a low of 0.73 to a high of 23.33. The Insurance industry median 5-Year Yield-on-Cost % is 3.87. SIC Insurance Co's value of 0.88 is 77.3% below this industry median. Based on the distribution chart, SIC Insurance Co ranks #392 out of 419 companies in the Insurance industry, which is in the bottom quartile 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 5-Year Yield-on-Cost % compare to CB and PGR?
According to the Insurance industry distribution chart, SIC Insurance Co ranks #392 out of 419 companies for 5-Year Yield-on-Cost %. This places SIC Insurance Co in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 3.87. SIC Insurance Co's value of 0.88 is 77.3% below this benchmark. Historically, SIC Insurance Co's own 5-Year Yield-on-Cost % has ranged from 0.73 to 23.33 over the past decade. While the company's 10-year median is 9.00 vs. the industry median of 3.87, SIC Insurance Co 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 3.87, based on 419 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. SIC Insurance Co's current 5-Year Yield-on-Cost % of 0.88 is 77.3% 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 SIC Insurance Co and its competitors. For the Insurance industry, the median 5-Year Yield-on-Cost % is 3.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. SIC Insurance Co's current 5-Year Yield-on-Cost % is 0.88, which is 90% below median its own 10-year median of 9.00. 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 5-Year Yield-on-Cost % is 0.88, which is 90% below median its 10-year median of 9.00 and 77.3% below the Insurance industry median of 3.87. 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 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For SIC Insurance Co (XGHA:SIC), the current 5-Year Yield-on-Cost % is 0.88 as of Jul. 30, 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 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:
5-Year Yield-on-Cost %: 0.88 (90% below median its 10-year median of 9.00)
GF Value™: GHS0.58 vs. price of GHS5.80 (900% above fair value)
Industry Position: 77.3% below the Insurance median (#392 of 419)
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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