SIC Insurance PLC (GHSE:SIC)
Ghana · Delayed Price · Currency is GHS 5.44
-0.06 (-1.09%)
At close: Aug 26, 2026
SIC Insurance Income Statement
Financials in millions GHS. Fiscal year is January - December.
Millions GHS. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Premiums & Annuity Revenue | 637.84 | 598.19 | 559.48 | 373.19 | 355.53 | 141.13 |
Total Interest & Dividend Income | 33.63 | 28.33 | 32.96 | 28.65 | 40.62 | 13.95 |
Gain (Loss) on Sale of Investments | -1.83 | -1.83 | -7.48 | -13.68 | -50.32 | -0.21 |
Other Revenue | 59.65 | 54.36 | -10.6 | 32.82 | 29.53 | 11.86 |
| 729.28 | 679.04 | 574.36 | 420.97 | 375.37 | 176.64 | |
Revenue Growth | 6.27% | 18.22% | 36.44% | 12.15% | 112.51% | 4.20% |
Policy Benefits | 361.17 | 335.38 | 279.15 | 222.23 | 239.97 | 15.13 |
Policy Acquisition & Underwriting Costs | - | - | - | - | - | 8.88 |
Amortization of Goodwill & Intangibles | 2.69 | 2.69 | 2.06 | 1.79 | 2.36 | - |
Depreciation & Amortization | 14.85 | 14.74 | 10.96 | 8.93 | 12.37 | - |
Selling, General & Administrative | 2.37 | 1.64 | 1.57 | 1.43 | 1.23 | 119.58 |
Provision for Bad Debts | - | - | 26.6 | 0.16 | 0.29 | - |
Other Operating Expenses | 95.06 | 94.29 | 75.3 | 69.47 | 43.59 | 3.77 |
Total Operating Expenses | 616.74 | 574.9 | 502.08 | 397.29 | 385.36 | 147.37 |
Operating Income | 112.54 | 104.14 | 72.28 | 23.68 | -9.99 | 29.27 |
Interest Expense | -1.06 | -1.66 | -2.21 | -2.46 | -3.18 | -2.55 |
Currency Exchange Gain (Loss) | 3.8 | - | - | 0.01 | 0.64 | - |
Other Non Operating Income (Expenses) | 3.28 | 3.38 | - | 0.28 | - | 16.21 |
EBT Excluding Unusual Items | 118.57 | 105.87 | 70.07 | 21.51 | -12.53 | 42.93 |
Gain (Loss) on Sale of Assets | 0.39 | 0.39 | 1.8 | 0.07 | 0.01 | 11.58 |
Asset Writedown | -15.15 | -15.15 | 3.77 | - | 44.17 | 17.41 |
Other Unusual Items | 20.7 | 20.7 | 3.34 | - | - | - |
Pretax Income | 124.5 | 111.8 | 78.97 | 21.58 | 31.65 | 71.92 |
Income Tax Expense | 31.09 | 27.74 | 25.56 | 8.77 | 8.59 | 11.58 |
Earnings From Continuing Ops. | 93.41 | 84.05 | 53.41 | 12.81 | 23.06 | 60.33 |
Minority Interest in Earnings | 0.35 | 0.35 | 0.33 | 0.67 | -0.42 | -0.53 |
Net Income | 93.76 | 84.4 | 53.74 | 13.49 | 22.65 | 59.8 |
Net Income to Common | 93.76 | 84.4 | 53.74 | 13.49 | 22.65 | 59.8 |
Net Income Growth | 26.73% | 57.04% | 298.48% | -40.45% | -62.13% | 382.54% |
Shares Outstanding (Basic) | 196 | 196 | 196 | 196 | 196 | 196 |
Shares Outstanding (Diluted) | 196 | 196 | 196 | 196 | 196 | 196 |
Shares Change | - | - | - | - | - | - |
EPS (Basic) | 0.48 | 0.43 | 0.27 | 0.07 | 0.12 | 0.31 |
EPS (Diluted) | 0.48 | 0.43 | 0.27 | 0.07 | 0.12 | 0.31 |
EPS Growth | 26.73% | 57.04% | 298.48% | -40.45% | -62.13% | 382.54% |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 50.28 | -34.83 | 137.75 | -17.9 | 68.87 | -65.43 |
Free Cash Flow Per Share | 0.26 | -0.18 | 0.70 | -0.09 | 0.35 | -0.33 |
Dividend Per Share | 0.102 | 0.102 | 0.051 | 0.051 | - | 0.046 |
Dividend Growth | 100.00% | 100.00% | 0% | - | - | 200.65% |
Operating Margin | 15.43% | 15.34% | 12.58% | 5.63% | -2.66% | 16.57% |
Profit Margin | 12.86% | 12.43% | 9.36% | 3.20% | 6.03% | 33.86% |
Free Cash Flow Margin | 6.89% | -5.13% | 23.98% | -4.25% | 18.35% | -37.04% |
EBITDA | 127.4 | 118.88 | 83.24 | 32.61 | 2.38 | 37.31 |
EBITDA Margin | 17.47% | 17.51% | 14.49% | 7.75% | 0.63% | 21.12% |
D&A For EBITDA | 14.85 | 14.74 | 10.96 | 8.93 | 12.37 | 8.04 |
EBIT | 112.54 | 104.14 | 72.28 | 23.68 | -9.99 | 29.27 |
EBIT Margin | 15.43% | 15.34% | 12.58% | 5.63% | -2.66% | 16.57% |
Effective Tax Rate | 24.97% | 24.82% | 32.37% | 40.63% | 27.13% | 16.10% |