The CIC Insurance Group Plc (NASE:CIC)

The CIC Insurance Group Statistics

Total Valuation

NASE:CIC has a market cap or net worth of KES 7.09 billion. The enterprise value is 2.48 billion.

Market Cap	7.09B
Enterprise Value	2.48B

Important Dates

The last earnings date was Thursday, May 29, 2025.

Earnings Date	May 29, 2025
Ex-Dividend Date	Apr 23, 2025

Share Statistics

NASE:CIC has 2.62 billion shares outstanding.

Current Share Class	2.62B
Shares Outstanding	2.62B
Shares Change (YoY)	n/a
Shares Change (QoQ)	+7.59%
Owned by Insiders (%)	10.89%
Owned by Institutions (%)	0.45%
Float	182.10M

Valuation Ratios

The trailing PE ratio is 2.87.

PE Ratio	2.87
Forward PE	n/a
PS Ratio	0.24
PB Ratio	0.64
P/TBV Ratio	0.66
P/FCF Ratio	1.80
P/OCF Ratio	1.74
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 1.38, with an EV/FCF ratio of 0.63.

EV / Earnings	0.91
EV / Sales	0.08
EV / EBITDA	1.38
EV / EBIT	1.53
EV / FCF	0.63

Financial Position

The company has a current ratio of 9.17, with a Debt / Equity ratio of 0.50.

Current Ratio	9.17
Quick Ratio	5.07
Debt / Equity	0.50
Debt / EBITDA	3.04
Debt / FCF	1.39
Interest Coverage	2.81

Financial Efficiency

Return on equity (ROE) is 30.65% and return on invested capital (ROIC) is 6.88%.

Return on Equity (ROE)	30.65%
Return on Assets (ROA)	1.81%
Return on Invested Capital (ROIC)	6.88%
Return on Capital Employed (ROCE)	2.73%
Revenue Per Employee	32.87M
Profits Per Employee	3.04M
Employee Count	893
Asset Turnover	0.52
Inventory Turnover	n/a

Taxes

In the past 12 months, NASE:CIC has paid 1.14 billion in taxes.

Income Tax	1.14B
Effective Tax Rate	28.52%

Stock Price Statistics

The stock price has increased by +43.44% in the last 52 weeks. The beta is -0.05, so NASE:CIC's price volatility has been lower than the market average.

Beta (5Y)	-0.05
52-Week Price Change	+43.44%
50-Day Moving Average	2.77
200-Day Moving Average	2.30
Relative Strength Index (RSI)	45.94
Average Volume (20 Days)	103,255

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, NASE:CIC had revenue of KES 29.35 billion and earned 2.72 billion in profits. Earnings per share was 0.94.

Revenue	29.35B
Gross Profit	3.35B
Operating Income	1.62B
Pretax Income	3.99B
Net Income	2.72B
EBITDA	1.72B
EBIT	1.62B
Earnings Per Share (EPS)	0.94

Balance Sheet

The company has 12.20 billion in cash and 5.47 billion in debt, giving a net cash position of 4.55 billion or 1.74 per share.

Cash & Cash Equivalents	12.20B
Total Debt	5.47B
Net Cash	4.55B
Net Cash Per Share	1.74
Equity (Book Value)	11.01B
Book Value Per Share	3.85
Working Capital	21.09B

Cash Flow

In the last 12 months, operating cash flow was 4.07 billion and capital expenditures -128.23 million, giving a free cash flow of 3.94 billion.

Operating Cash Flow	4.07B
Capital Expenditures	-128.23M
Free Cash Flow	3.94B
FCF Per Share	1.51

Margins

Gross margin is 11.41%, with operating and profit margins of 5.53% and 9.25%.

Gross Margin	11.41%
Operating Margin	5.53%
Pretax Margin	13.61%
Profit Margin	9.25%
EBITDA Margin	5.86%
EBIT Margin	5.53%
FCF Margin	13.42%

Dividends & Yields

This stock pays an annual dividend of 0.12, which amounts to a dividend yield of 4.36%.

Dividend Per Share	0.12
Dividend Yield	4.36%
Dividend Growth (YoY)	10.00%
Years of Dividend Growth	n/a
Payout Ratio	12.70%
Buyback Yield	n/a
Shareholder Yield	4.18%
Earnings Yield	38.32%
FCF Yield	55.59%

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

The last stock split was on April 23, 2025. It was a forward split with a ratio of 1.1.

Last Split Date	Apr 23, 2025
Split Type	Forward
Split Ratio	1.1

Scores

Altman Z-Score	n/a
Piotroski F-Score	5