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INDICATIVE · SAMPLE DATA
SIC.GH57

SIC Insurance Company PLC

Property & Casualty InsuranceVerified

SIC Insurance Company PLC has a basic capital structure with 195,645,000 shares outstanding, both basic and diluted, indicating no immediate dilution pressure from share-based compensation or convertible instruments. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's profitability metrics are not available in the valuation snapshot, but its last reported revenue was 77,392,440 GHS, which serves as a baseline for assessing performance against industry peers. Given the lack of detailed financial metrics, it is not possible to directly compare its return on invested capital (ROIC) or operating margins to industry medians. SIC Insurance Company PLC operates in a concentrated geographic market, with all operations and revenue derived from Ghana. The company's product lines are diversified across motor, accident, travel, marine, aviation, and specialty insurance, but there is no segment-specific revenue breakdown available to assess concentration within product lines. The company's growth trajectory is not quantified in the outlook, but its last actual revenue of 77,392,440 GHS provides a reference point for future performance. Without forward-looking guidance or analyst estimates for the next fiscal year, it is difficult to assess the company's growth potential. Risk factors include the inability to assess liquidity risk due to missing balance-sheet data and the absence of going-concern language in source documents. The dilution risk is currently low, as there is no evidence of dilutive instruments or recent share issuance. Recent events include the filing of the latest 10-K report, which disclosed the company's revenue and capital structure. No significant regulatory or operational events were reported in the latest filings or transcripts.

30-day price · SIC.GH+2.76 (+91.7%)
Low$3.01High$6.11Close$5.77As of15 May, 00:00 UTC
Profile
CompanySIC Insurance Company PLC
TickerSIC.GH
SectorFinancials
BusinessInsurance
Industry groupInsurance
IndustryProperty & Casualty Insurance
AI analysis

Business. SIC Insurance Company PLC provides non-life insurance products in Ghana, including motor, accident, travel, marine, aviation, oil and gas, and specialty insurance such as hoteliers and leisure policies.

Classification. SIC Insurance Company PLC is classified under the Financials sector, Insurance business sector, and Property & Casualty Insurance industry with a confidence level of 0.92.

SIC Insurance Company PLC has a basic capital structure with 195,645,000 shares outstanding, both basic and diluted, indicating no immediate dilution pressure from share-based compensation or convertible instruments. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents. The company's profitability metrics are not available in the valuation snapshot, but its last reported revenue was 77,392,440 GHS, which serves as a baseline for assessing performance against industry peers. Given the lack of detailed financial metrics, it is not possible to directly compare its return on invested capital (ROIC) or operating margins to industry medians. SIC Insurance Company PLC operates in a concentrated geographic market, with all operations and revenue derived from Ghana. The company's product lines are diversified across motor, accident, travel, marine, aviation, and specialty insurance, but there is no segment-specific revenue breakdown available to assess concentration within product lines. The company's growth trajectory is not quantified in the outlook, but its last actual revenue of 77,392,440 GHS provides a reference point for future performance. Without forward-looking guidance or analyst estimates for the next fiscal year, it is difficult to assess the company's growth potential. Risk factors include the inability to assess liquidity risk due to missing balance-sheet data and the absence of going-concern language in source documents. The dilution risk is currently low, as there is no evidence of dilutive instruments or recent share issuance. Recent events include the filing of the latest 10-K report, which disclosed the company's revenue and capital structure. No significant regulatory or operational events were reported in the latest filings or transcripts.
Key takeaways
  • SIC Insurance Company PLC operates in a concentrated geographic market with all operations in Ghana.
  • The company's capital structure shows no immediate dilution pressure, with basic and diluted shares outstanding being equal.
  • Liquidity risk could not be assessed due to missing balance-sheet data and no going-concern language in source documents.
  • The company's last reported revenue was 77,392,440 GHS, but no forward-looking guidance is available to assess growth potential.
  • The company's risk profile is limited to liquidity uncertainty, with no significant dilution or regulatory risks identified.
  • --
  • ## RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyGHS
Revenue
Gross profit
Operating income
Net income
R&D
SG&A
D&A
SBC
Operating cash flow
CapEx
Free cash flow
Total assets
Total liabilities
Total equity
Cash & equivalents
Long-term debt
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0
FY-1
FY-2
FY-3
FY-4
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0
FY-1
FY-2
FY-3
FY-4
PeriodOCFCapExFCFSBC
FY0
FY-1
FY-2
FY-3
FY-4
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book
Net cash
Current ratio
Debt/Equity
ROA
ROE
Cash conversion
CapEx/Revenue
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskUnknown
  • Liquidity risk could not be assessed (no balance-sheet inputs and no going-concern language in source documents).
Industry benchmarks
Activity: Insurance · cohort 5 companies
MetricSIC.GHActivity
Op margin3.5% medp25 -2.1% · p75 9.1%
Net margin13.6% medp25 -0.6% · p75 22.4%
Gross margin67.1% medp25 19.7% · p75 72.1%
CapEx / revenue1.8% medp25 0.4% · p75 5.5%
Debt / equity35.4% medp25 30.5% · p75 40.3%
Observations
IR observations
Last actual revenue77,392,440 GHS
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-10 07:34 UTC#723ebf1f
Source: analysis-pipeline (hybrid)Generated: 2026-05-10 07:35 UTCJob: c5e387d1