The CIC Insurance Group Plc (NASE:CIC)

The CIC Insurance Group Financials Overview

Financials in millions KES. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	33,350	33,350	29,353	28,916	23,381	18,665
Revenue Growth	9.65%	13.62%	1.51%	23.67%	25.27%	11.46%
Operating Income Operating Income Growth	1,664	1,664	1,622	2,849	771.24	911.14
Net Income Net Income Growth	588.57	588.57	2,716	1,498	156.47	589.38
Earnings Per Share EPS Growth	0.21	0.21	0.94	0.52	0.05	0.20
EPS Growth	-76.65%	-77.30%	81.34%	857.37%	-73.45%	-

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
General Insurance Business General Insurance Business Growth	22,888	22,888	20,301	17,779	14,646	11,128
Long-Term Assurance Business Long-Term Assurance Business Growth	12,576	12,576	12,505	7,621	6,089	6,155
Asset Management Asset Management Growth	1,920	1,920	1,433	-	-	978.86
Other Business Other Business Growth	23.78	23.78	-55.64	-	-	279.46
Unallocated Other Investment Income Unallocated Other Investment Income Growth	1.29	1.29	1.15	-	-	-
Total Total Growth	37,410	37,410	34,185	25,401	20,734	18,542

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	12,914	12,914	10,018	4,866	3,804	3,643
Total Debt Total Debt Growth	5,198	5,198	5,471	5,391	4,835	4,531
Net Cash (Debt) Net Cash Growth	7,716	7,716	4,547	-524.92	-1,031	-887.77
Net Cash Growth	-	69.71%	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	2.81	2.81	1.58	-0.18	-0.36	-0.31

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	5,962	5,962	4,068	5,700	4,872	2,066
Capital Expenditures CapEx Growth	-172.48	-172.48	-128.23	-240.49	-55.69	-63.33
Free Cash Flow Free Cash Flow Growth	5,789	5,789	3,940	5,460	4,817	2,002
Free Cash Flow Growth	44.07%	46.93%	-27.83%	13.35%	140.56%	-16.39%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	4.99%	4.99%	5.53%	9.85%	3.30%	4.88%
Pretax Margin	3.75%	3.75%	13.61%	8.80%	3.52%	5.14%
Profit Margin	1.76%	1.76%	9.25%	5.18%	0.67%	3.16%
FCF Margin	17.36%	17.36%	13.42%	18.88%	20.60%	10.73%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Aug 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022
Dividend Per Share Dividend Per Share Growth	0.118	0.118	0.118	0.118	0.118
Dividend Per Share Growth	0%	0%	0%	0%	-
Dividend Yield	2.49%	2.66%	6.50%	6.61%	8.16%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug 2, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	5.52	22.34	2.07	3.91	32.60	9.81
Forward PE	-	10.07	10.07	10.07	10.07	10.07
P/FCF Ratio	2.36	2.27	1.43	1.07	1.06	2.89
PS Ratio	0.41	0.39	0.19	0.20	0.22	0.31

Data Source: S&P Global Market Intelligence Last updated: Dec 31, 2024

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every six months for this company.

Update frequency:

Semi-annually

Last checked:

Aug 1, 2026

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