SIC Insurance PLC (GHSE:SIC)

SIC Insurance Statistics

Total Valuation

SIC Insurance has a market cap or net worth of GHS 205.43 million. The enterprise value is -212.43 million.

Market Cap	205.43M
Enterprise Value	-212.43M

Important Dates

The next estimated earnings date is Tuesday, December 9, 2025.

Earnings Date	Dec 9, 2025
Ex-Dividend Date	n/a

Share Statistics

SIC Insurance has 195.65 million shares outstanding.

Current Share Class	195.65M
Shares Outstanding	195.65M
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	n/a

Valuation Ratios

The trailing PE ratio is 2.78.

PE Ratio	2.78
Forward PE	n/a
PS Ratio	0.30
PB Ratio	0.29
P/TBV Ratio	0.29
P/FCF Ratio	2.71
P/OCF Ratio	2.41
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	-2.87
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	-2.80

Financial Position

The company has a current ratio of 1.54, with a Debt / Equity ratio of 0.00.

Current Ratio	1.54
Quick Ratio	1.31
Debt / Equity	0.00
Debt / EBITDA	0.03
Debt / FCF	0.04
Interest Coverage	50.25

Financial Efficiency

Return on Equity (ROE)	n/a
Return on Assets (ROA)	n/a
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	11.10%
Revenue Per Employee	1.09M
Profits Per Employee	118,376
Employee Count	625
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, SIC Insurance has paid 32.79 million in taxes.

Income Tax	32.79M
Effective Tax Rate	30.80%

Stock Price Statistics

The stock price has increased by +320.00% in the last 52 weeks. The beta is -0.67, so SIC Insurance's price volatility has been lower than the market average.

Beta (5Y)	-0.67
52-Week Price Change	+320.00%
50-Day Moving Average	1.05
200-Day Moving Average	0.64
Relative Strength Index (RSI)	41.30
Average Volume (20 Days)	64,509

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, SIC Insurance had revenue of GHS 679.30 million and earned 73.98 million in profits. Earnings per share was 0.38.

Revenue	679.30M
Gross Profit	330.16M
Operating Income	90.70M
Pretax Income	106.44M
Net Income	73.98M
EBITDA	103.73M
EBIT	90.70M
Earnings Per Share (EPS)	0.38

Balance Sheet

The company has 421.04 million in cash and 3.18 million in debt, giving a net cash position of 417.86 million or 2.14 per share.

Cash & Cash Equivalents	421.04M
Total Debt	3.18M
Net Cash	417.86M
Net Cash Per Share	2.14
Equity (Book Value)	701.32M
Book Value Per Share	3.58
Working Capital	179.31M

Cash Flow

In the last 12 months, operating cash flow was 85.10 million and capital expenditures -9.29 million, giving a free cash flow of 75.81 million.

Operating Cash Flow	85.10M
Capital Expenditures	-9.29M
Free Cash Flow	75.81M
FCF Per Share	0.39

Margins

Gross margin is 48.60%, with operating and profit margins of 13.35% and 10.89%.

Gross Margin	48.60%
Operating Margin	13.35%
Pretax Margin	15.67%
Profit Margin	10.89%
EBITDA Margin	15.27%
EBIT Margin	13.35%
FCF Margin	11.16%

Dividends & Yields

This stock pays an annual dividend of 0.05, which amounts to a dividend yield of 4.87%.

Dividend Per Share	0.05
Dividend Yield	4.87%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	3
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	4.87%
Earnings Yield	36.02%
FCF Yield	36.90%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	n/a
Lynch Upside	n/a
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4