SIC Insurance PLC (GHSE:SIC)

SIC Insurance Statistics

Total Valuation

SIC Insurance has a market cap or net worth of GHS 763.02 million. The enterprise value is 343.66 million.

Market Cap	763.02M
Enterprise Value	343.66M

Important Dates

The next estimated earnings date is Friday, March 13, 2026.

Earnings Date	Mar 13, 2026
Ex-Dividend Date	Dec 8, 2025

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 (%)	13.48%
Owned by Institutions (%)	30.38%
Float	88.42M

Valuation Ratios

The trailing PE ratio is 10.97.

PE Ratio	10.97
Forward PE	n/a
PS Ratio	1.12
PB Ratio	1.01
P/TBV Ratio	1.01
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 3.12, with an EV/FCF ratio of -10.77.

EV / Earnings	4.94
EV / Sales	0.50
EV / EBITDA	3.12
EV / EBIT	3.58
EV / FCF	-10.77

Financial Position

The company has a current ratio of 1.81, with a Debt / Equity ratio of 0.00.

Current Ratio	1.81
Quick Ratio	1.64
Debt / Equity	0.00
Debt / EBITDA	0.02
Debt / FCF	-0.08
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.76% and return on invested capital (ROIC) is 9.53%.

Return on Equity (ROE)	9.76%
Return on Assets (ROA)	5.30%
Return on Invested Capital (ROIC)	9.53%
Return on Capital Employed (ROCE)	11.03%
Weighted Average Cost of Capital (WACC)	1.67%
Revenue Per Employee	1.09M
Profits Per Employee	111,239
Employee Count	625
Asset Turnover	0.60
Inventory Turnover	93.27

Taxes

In the past 12 months, SIC Insurance has paid 24.83 million in taxes.

Income Tax	24.83M
Effective Tax Rate	26.32%

Stock Price Statistics

The stock price has increased by +1,047.06% in the last 52 weeks. The beta is -0.47, so SIC Insurance's price volatility has been lower than the market average.

Beta (5Y)	-0.47
52-Week Price Change	+1,047.06%
50-Day Moving Average	1.53
200-Day Moving Average	1.17
Relative Strength Index (RSI)	100.00
Average Volume (20 Days)	42,852

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 683.39 million and earned 69.52 million in profits. Earnings per share was 0.36.

Revenue	683.39M
Gross Profit	311.30M
Operating Income	95.88M
Pretax Income	94.35M
Net Income	69.52M
EBITDA	110.23M
EBIT	95.88M
Earnings Per Share (EPS)	0.36

Balance Sheet

The company has 421.82 million in cash and 2.46 million in debt, with a net cash position of 419.36 million or 2.14 per share.

Cash & Cash Equivalents	421.82M
Total Debt	2.46M
Net Cash	419.36M
Net Cash Per Share	2.14
Equity (Book Value)	753.60M
Book Value Per Share	3.85
Working Capital	222.01M

Cash Flow

In the last 12 months, operating cash flow was -28.87 million and capital expenditures -3.04 million, giving a free cash flow of -31.91 million.

Operating Cash Flow	-28.87M
Capital Expenditures	-3.04M
Free Cash Flow	-31.91M
FCF Per Share	-0.16

Margins

Gross margin is 45.55%, with operating and profit margins of 14.03% and 10.17%.

Gross Margin	45.55%
Operating Margin	14.03%
Pretax Margin	13.81%
Profit Margin	10.17%
EBITDA Margin	16.13%
EBIT Margin	14.03%
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.05, which amounts to a dividend yield of 1.31%.

Dividend Per Share	0.05
Dividend Yield	1.31%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	1.44%
Earnings Yield	9.11%
FCF Yield	-4.18%

Fair Value

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

Lynch Fair Value
Lynch Upside
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