Insurance · EQUITY
CIC
CIC Insurance
Ksh 4.45
▼0.67% today
close 13 Jul 2026 · source mystocks
5 owned trading days · 07 Jul 2026 → 13 Jul 2026 · KES 4.45–4.52 · true span — the pipeline hasn't accumulated more yet
Why grade C: newest statement 18 months old · only 2 FYs of history (need 3)
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Automated analysis for information & education. Not investment advice.
The five pillars
composite Founding feature · KES 149/mo — open during beta
scored 13 Jul 2026 · weights profile Insurance · formulas on /methodology
Ring color: accent = confidence A/B, amber = C/D — a fixed-radius stroke, never a percentage fill.
Value88
- P/E 8.985 ·w25
- P/B 0.58100 ·w20
- earnings yield 11.2% vs 364d T-bill 8.99% (spread +2.2pp)72 ·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 reliability81
- paid a dividend in 2 of 2 observed FYs (design window 5)(short window)100 ·w30
- yield 2.2% at current price28 ·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
Liquidity53
- median daily turnover ≈ KES 1,008,464 over 5 observed days(short window)50 ·w40
- no trades on 0% of observed days(short window)100 ·w30
- daily turnover 0.9bp of market cap (shares est. from NI÷EPS)(short window)9 ·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 4.45 KES. The value pillar scores highest at 88, led by a price-to-book ratio of 0.58 and revenue/earnings growth of 36.6% year-on-year; the earnings yield of 11.2% exceeds the 364-day T-bill rate of 8.99% by 2.2 percentage points. Health scores a perfect 100 on the F-Score (all 9 signals passed), though the test has limited meaning for financial-sector firms where interest income is core revenue. Quality ranks weakest at 48, with a return on equity of 6.5% and net margin of 4.2% both trailing typical benchmarks; leverage stands at 2.75× debt-to-equity, within financial-sector norms. Dividend pillar scores 81: the company paid dividends in both observed fiscal years without cuts, covers them 5.00× over with earnings, and maintains a 20% payout ratio, though the current yield is modest at 2.2%.
An overall verdict is withheld. The newest financial statement is 18 months old, and only two fiscal years of history exist where three are needed for confidence; momentum has built only since 2026-07-07 and carries no score. Liquidity is thin: median daily turnover is approximately 1,008,464 KES but represents just 0.9 basis points of market capitalisation. Data confidence grades C. A fresh filing would clarify the current state of profitability and dividend capacity.
Automated analysis for information & education. Not investment advice.
generated 13 Jul 2026, 17:45 EAT · every figure machine-checked against the engine's computed inputs · identical for all readers