Insurance · EQUITY
CIC
CIC Insurance
Ksh 4.92
▲4.68% today
close 06 Nov 2026 · source mystocks
68 owned trading days · 07 Jul 2026 → 06 Nov 2026 · KES 4.44–5.16
Why grade C: newest statement 22 months old · only 2 FYs of history (need 3)
Automated analysis for information & education. Not investment advice.
The five pillars
composite —/100Data C
scored 06 Nov 2026 · weights profile Insurance · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value83
- P/E 9.880 ·w25
- P/B 0.64100 ·w20
- earnings yield 10.2% vs 364d T-bill 9.03% (spread +1.1pp)61 ·w20
- needs positive EPS and own P/E history— ·w15
- needs a dividend and own yield history— ·w10
- revenue/earnings growth +36.6% YoY100 ·w10
Financial health100
- F-Score 9/9 signals passed100 ·w70
- not meaningful for financial-sector counters (interest is their revenue)— ·w30
Quality48
- ROE 6.5%26 ·w25
- net margin 4.2% (financial bands)14 ·w20
- net margin +1.3pp over window(short window)63 ·w15
- ROA 1.7%27 ·w15
- debt/equity 2.75× (financial-sector leverage bands)100 ·w15
- revenue never declined over window(short window)100 ·w10
Dividend reliability80
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 2.0% at current price25 ·w20
- earnings cover the dividend 5.00×100 ·w20
- never cut over 2 observed FYs(short window)100 ·w15
- payout ratio 20% of earnings67 ·w15
MomentumBuilding history — since 2026-07-07
- Building history — since 2026-07-07— ·w100
Liquidity56
- median daily turnover ≈ KES 1,641,540 over 68 observed days(short window)55 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 1.3bp of market cap (shares est. from NI÷EPS)(short window)13 ·w30
Statements we hold
| FY | Revenue | Net income | EPS | DPS |
|---|---|---|---|---|
| 2024 | KES 31.0B | KES 1.3B | 0.50 | 0.10 |
| 2023 | KES 28.0B | KES 800.0M | 0.31 | 0.07 |
source v3-seed (vintage 2026-02) · refreshed per filing as filings are processed
Analyst brief
CIC Insurance trades at 4.66 KES. Its value pillar scores toward the upper end, led by a price-to-book of 0.61 and earnings growth of 36.6% year-over-year; the earnings yield of 10.7% exceeds the 364-day T-bill rate of 9.03% by 1.7 percentage points, though the spread is modest. Health scores at the maximum, with an F-Score of 9/9 signals passed. Quality remains the softest area, with return on equity at 6.5% and net margin at 4.2% both constrained by financial-sector norms; however, margin improved 1.3 percentage points over the observation window. Dividend scores strongly: the company paid a dividend in both observed fiscal years, covers it 5.00× over with earnings, and has never cut, though the yield sits at 2.1% and payout remains conservative at 20% of earnings.
An overall verdict is withheld due to data age and history length—the newest statement is 22 months old and only two fiscal years are available (three are required). The price-to-earnings ratio stands at 9.3. Momentum scoring was not computed, as historical data has been building only since July 2026. Liquidity is thin; median daily turnover is approximately 1,854,791 KES, or 1.5 basis points of estimated market capitalization. Confidence grades C; a fresh annual filing or updated interim statement would sharpen the read.
Automated analysis for information & education. Not investment advice.
generated 03 Nov 2026, 17:45 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers