SIC Insurance（SIC）株式概要SICインシュアランスPLCはガーナで損害保険事業に従事している。 詳細SIC ファンダメンタル分析スノーフレーク・スコア評価0/6将来の成長0/6過去の実績5/6財務の健全性6/6配当金4/6報酬株価収益率（ 11.7 x） GH市場（ 13 x）を下回っています。過去1年間で収益は26.7%増加しました リスク分析意味のある時価総額がありません ( GHS1B )GH市場と比較した過去 3 か月間の株価の変動不安定な配当実績 すべてのリスクチェックを見るSIC Community Fair Values Create NarrativeSee what 7 others think this stock is worth. Follow their fair value or set your own to get alerts.NEW476,491 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA476,491 investors already sharing narrativesYour Fair ValueGH₵Current PriceGH₵5.59217.6% 割高 内在価値ディスカウントGrowth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-18m729m2016201920222025202620282031Revenue GH₵729.3mEarnings GH₵93.8mAdvancedSet Fair ValueView all narrativesSIC Insurance PLC 競合他社Enterprise GroupSymbol: GHSE:EGLMarket cap: GH₵1.7bPetrolimex InsuranceSymbol: HOSE:PGIMarket cap: ₫2.6tPost & Telecommunication InsuranceSymbol: HNX:PTIMarket cap: ₫2.7tEFU General InsuranceSymbol: KASE:EFUGMarket cap: PK₨24.6b価格と性能株価の高値、安値、推移の概要SIC Insurance過去の株価現在の株価GH₵5.5952週高値GH₵052週安値GH₵0ベータ0.971ヶ月の変化-6.83%3ヶ月変化-1.76%1年変化432.38%3年間の変化2,695.00%5年間の変化7,885.71%IPOからの変化69.39%最新ニュースValuation Update With 7 Day Price Move • Aug 06Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to GH₵4.67, the stock trades at a trailing P/E ratio of 10.2x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,843% over the past three years.New Risk • Jul 29New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: GH₵1.13b (US$97.1m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change). Market cap is less than US$100m (GH₵1.13b market cap, or US$97.1m).Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 15%After last week's 15% share price gain to GH₵5.18, the stock trades at a trailing P/E ratio of 12x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,738% over the past three years.Board Change • May 20Less than half of directors are independentThere are 10 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 10 new directors. No experienced directors. 1 highly experienced director. 3 independent directors (8 non-independent directors). Non-Executive Director Daniel Ofori is the most experienced director on the board, commencing their role in 2014. Independent Non-Executive Director Saeed Abdulae was the last independent director to join the board, commencing their role in 2025. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Lack of experienced directors.お知らせ • Nov 13SIC Insurance PLC, Annual General Meeting, Nov 27, 2025SIC Insurance PLC, Annual General Meeting, Nov 27, 2025. Location: accra international conference centre, Ghanaお知らせ • Nov 29SIC Insurance PLC, Annual General Meeting, Dec 17, 2024SIC Insurance PLC, Annual General Meeting, Dec 17, 2024. Location: conference room of the head office of, the assemblies of god church, ridge-accra, Ghana最新情報をもっと見るRecent updatesValuation Update With 7 Day Price Move • Aug 06Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to GH₵4.67, the stock trades at a trailing P/E ratio of 10.2x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,843% over the past three years.New Risk • Jul 29New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: GH₵1.13b (US$97.1m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change). Market cap is less than US$100m (GH₵1.13b market cap, or US$97.1m).Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 15%After last week's 15% share price gain to GH₵5.18, the stock trades at a trailing P/E ratio of 12x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,738% over the past three years.Board Change • May 20Less than half of directors are independentThere are 10 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 10 new directors. No experienced directors. 1 highly experienced director. 3 independent directors (8 non-independent directors). Non-Executive Director Daniel Ofori is the most experienced director on the board, commencing their role in 2014. Independent Non-Executive Director Saeed Abdulae was the last independent director to join the board, commencing their role in 2025. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Lack of experienced directors.お知らせ • Nov 13SIC Insurance PLC, Annual General Meeting, Nov 27, 2025SIC Insurance PLC, Annual General Meeting, Nov 27, 2025. Location: accra international conference centre, Ghanaお知らせ • Nov 29SIC Insurance PLC, Annual General Meeting, Dec 17, 2024SIC Insurance PLC, Annual General Meeting, Dec 17, 2024. Location: conference room of the head office of, the assemblies of god church, ridge-accra, GhanaNew Risk • Oct 29New minor risk - Dividend sustainabilityThe company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 20% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (GH₵48.9m market cap, or US$3.02m). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (3.2% net profit margin).New Risk • Jul 01New major risk - Financial data availabilityThe company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. Currently, the following risks have been identified for the company: Major Risks No financial data reported. Market cap is less than US$10m (GH₵48.9m market cap, or US$3.22m).Board Change • Apr 03No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 10 non-independent directors. MD & Director Hollistar Duah-Yentumi was the last director to join the board, commencing their role in 2024. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.New Risk • Feb 13New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (GH₵47.0m market cap, or US$3.80m). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (9.5% net profit margin).New Risk • Aug 06New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 6.1% Last year net profit margin: 31% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (GH₵39.1m market cap, or US$3.59m). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (6.1% net profit margin).Upcoming Dividend • Dec 01Upcoming dividend of GH₵0.042 per shareEligible shareholders must have bought the stock before 08 December 2022. Payment date: 13 January 2023. Trailing yield: 15%. Within top quartile of Ghanaian dividend payers (14%). Higher than average of industry peers (5.3%).Board Change • Nov 16No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 11 non-independent directors. Director Kingsley Agyemang was the last director to join the board, commencing their role in 2021. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.お知らせ • Nov 16SIC Insurance PLC, Annual General Meeting, Nov 16, 2022SIC Insurance PLC, Annual General Meeting, Nov 16, 2022, at 10:00 Coordinated Universal Time.お知らせ • Nov 15SIC Insurance PLC Recommends the Payment of A Final Dividend for the 2021 Financial Year, Payable on January 13, 2023SIC Insurance PLC announced that the Company’s Directors will be recommending to the shareholders at the upcoming Annual General Meeting, the payment of a final dividend of GHC 0.0460 per share for the 2021 financial year. All shareholders registered in the books of SIC at the close of business on December 12, 2022, will qualify for the final dividend. The Register of shareholders will be closed from December 13, 2022, to December 14, 2022. (Both dates inclusive). In view of the foregoing, the ex-dividend date has been set as December 8, 2022. Consequently, an investor purchasing SIC shares before this date will be entitled to the final dividend. However, an investor buying SIC shares on or after December 8, 2022, will not be entitled to the final dividend. The final dividend if approved will be paid on January 13, 2023.Reported Earnings • Oct 09Full year 2021 earnings released: EPS: GH₵0.31 (vs GH₵0.063 in FY 2020)Full year 2021 results: EPS: GH₵0.31 (up from GH₵0.063 in FY 2020). Revenue: GH₵193.1m (up 14% from FY 2020). Net income: GH₵59.8m (up 383% from FY 2020). Profit margin: 31% (up from 7.3% in FY 2020). Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has increased by 47% per year, which means it is tracking significantly ahead of earnings growth.Board Change • Apr 27No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 11 non-independent directors. Director Kingsley Agyemang was the last director to join the board, commencing their role in 2021. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.Reported Earnings • Feb 17Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: GH₵0.15 (up from GH₵0.063 in FY 2020). Revenue: GH₵184.1m (up 8.6% from FY 2020). Net income: GH₵29.1m (up 135% from FY 2020). Profit margin: 16% (up from 7.3% in FY 2020). The increase in margin was primarily driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has fallen by 25% per year whereas the company’s share price has fallen by 22% per year.Board Change • Oct 04No independent directorsThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 8 experienced directors. No highly experienced directors. No independent directors (9 non-independent directors). Non-Executive Director Aguriba Abugri was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment.Board Change • Aug 31No independent directorsThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 8 experienced directors. No highly experienced directors. No independent directors (9 non-independent directors). Non-Executive Director Aguriba Abugri was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment.株主還元SICGH InsuranceGH 市場7D16.7%-1.2%0.4%1Y432.4%10.6%97.5%株主還元を見る業界別リターン: SIC過去 1 年間で10.6 % の収益を上げたGH Insurance業界を上回りました。リターン対市場: SIC過去 1 年間で97.5 % の収益を上げたGH市場を上回りました。価格変動Is SIC's price volatile compared to industry and market?SIC volatilitySIC Average Weekly Movement7.3%Insurance Industry Average Movement5.2%Market Average Movement3.5%10% most volatile stocks in GH Market9.3%10% least volatile stocks in GH Market1.3%安定した株価: SICの株価は、 GH市場と比較して過去 3 か月間で変動しています。時間の経過による変動: SICの weekly volatility ( 7% ) は過去 1 年間安定していますが、依然としてGHの株式の 75% よりも高くなっています。会社概要設立従業員CEO（最高経営責任者ウェブサイト1955n/aJames Agyenim-Boatengwww.sic-gh.comSIC Insurance PLC はガーナで損害保険事業を展開している。つのセグメントを通じて事業を展開している：自動車、海上・航空、火災、傷害である。自動車保険事業では、バイクや車両の事故による損害を補償する自動車保険を引き受ける。このセグメントでは、包括保険、第三者保険、第三者火災・盗難保険などの自動車保険商品を提供している。海上・航空部門は、航空貨物、船舶、漁船、港湾施設などをカバーする海上保険と、航空機、貨物、旅客をカバーする航空保険を提供している。火災部門は、家庭用建物、身の回り品、商業用・工業用建物、工場・機械、原材料、完成品、利益契約などの財産の偶然な破壊を補償する火災保険商品を提供している。傷害分野では、人身傷害、家族・団体傷害、強盗、現金輸送中、商品輸送中、銀行員賠償責任、ペダルサイクル、生産物賠償責任、請負業者オールリスク、旅行保険、債券など、様々な活動をカバーする傷害保険を提供している。同社はまた、労災保険、一般債券、旅行保険、技術・建設保険も提供している。さらに、投資アドバイザリー、資産・ファンド管理サービス、ファイナンシャル・コンサルタント、仲介サービスも提供している。SICインシュアランスPLC は1955 年に設立され、ガーナのアクラに本社を置く。もっと見るSIC Insurance PLC 基礎のまとめSIC Insurance の収益と売上を時価総額と比較するとどうか。SIC 基礎統計学時価総額GH₵1.09b収益（TTM）GH₵93.76m売上高(TTM)GH₵729.28m11.7xPER（株価収益率1.5xP/SレシオSIC は割高か？公正価値と評価分析を参照収益と収入最新の決算報告書（TTM）に基づく主な収益性統計SIC 損益計算書（TTM）収益GH₵729.28m売上原価GH₵361.17m売上総利益GH₵368.12mその他の費用GH₵274.36m収益GH₵93.76m直近の収益報告Jun 30, 2026次回決算日該当なし一株当たり利益（EPS）0.48グロス・マージン50.48%純利益率12.86%有利子負債／自己資本比率0%SIC の長期的なパフォーマンスは？過去の実績と比較を見る配当金1.8%現在の配当利回り21%配当性向View Valuation企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/08/16 22:57終値2026/08/14 00:00収益2026/06/30年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレークこのレポートを生成するために使用した分析モデルの詳細は、当社のGitHubページでご覧いただけます。また、レポートの活用方法に関するガイドやYouTubeのチュートリアルも用意しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋SIC Insurance PLC 0 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。1 アナリスト機関Lawrencia AsanteDatabank Brokerage Ltd.
Valuation Update With 7 Day Price Move • Aug 06Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to GH₵4.67, the stock trades at a trailing P/E ratio of 10.2x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,843% over the past three years.
New Risk • Jul 29New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: GH₵1.13b (US$97.1m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change). Market cap is less than US$100m (GH₵1.13b market cap, or US$97.1m).
Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 15%After last week's 15% share price gain to GH₵5.18, the stock trades at a trailing P/E ratio of 12x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,738% over the past three years.
Board Change • May 20Less than half of directors are independentThere are 10 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 10 new directors. No experienced directors. 1 highly experienced director. 3 independent directors (8 non-independent directors). Non-Executive Director Daniel Ofori is the most experienced director on the board, commencing their role in 2014. Independent Non-Executive Director Saeed Abdulae was the last independent director to join the board, commencing their role in 2025. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Lack of experienced directors.
お知らせ • Nov 13SIC Insurance PLC, Annual General Meeting, Nov 27, 2025SIC Insurance PLC, Annual General Meeting, Nov 27, 2025. Location: accra international conference centre, Ghana
お知らせ • Nov 29SIC Insurance PLC, Annual General Meeting, Dec 17, 2024SIC Insurance PLC, Annual General Meeting, Dec 17, 2024. Location: conference room of the head office of, the assemblies of god church, ridge-accra, Ghana
Valuation Update With 7 Day Price Move • Aug 06Investor sentiment deteriorates as stock falls 19%After last week's 19% share price decline to GH₵4.67, the stock trades at a trailing P/E ratio of 10.2x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,843% over the past three years.
New Risk • Jul 29New minor risk - Market cap sizeThe company's market capitalization is less than US$100m. Market cap: GH₵1.13b (US$97.1m) This is considered a minor risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (6.1% average weekly change). Market cap is less than US$100m (GH₵1.13b market cap, or US$97.1m).
Valuation Update With 7 Day Price Move • Jun 16Investor sentiment improves as stock rises 15%After last week's 15% share price gain to GH₵5.18, the stock trades at a trailing P/E ratio of 12x. Average trailing P/E is 11x in the Insurance industry in Africa. Total returns to shareholders of 2,738% over the past three years.
Board Change • May 20Less than half of directors are independentThere are 10 new directors who have joined the board in the last 3 years. Of these new board members, 3 were independent directors. The company's board is composed of: 10 new directors. No experienced directors. 1 highly experienced director. 3 independent directors (8 non-independent directors). Non-Executive Director Daniel Ofori is the most experienced director on the board, commencing their role in 2014. Independent Non-Executive Director Saeed Abdulae was the last independent director to join the board, commencing their role in 2025. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity. Lack of experienced directors.
お知らせ • Nov 13SIC Insurance PLC, Annual General Meeting, Nov 27, 2025SIC Insurance PLC, Annual General Meeting, Nov 27, 2025. Location: accra international conference centre, Ghana
お知らせ • Nov 29SIC Insurance PLC, Annual General Meeting, Dec 17, 2024SIC Insurance PLC, Annual General Meeting, Dec 17, 2024. Location: conference room of the head office of, the assemblies of god church, ridge-accra, Ghana
New Risk • Oct 29New minor risk - Dividend sustainabilityThe company has an unstable dividend paying track record. The dividend has had an annual drop of over 20% in the past. Dividend yield: 20% This is considered a minor risk. If the company has cut or reduced its dividend in the past, it may be a sign that the underlying business is too cyclical to consistently maintain or grow the dividend over the long-term. It may also indicate the company prioritizes other outcomes instead of maintaining the dividend. For dividend paying companies, any reduction in the dividend can significantly impact the share price. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (GH₵48.9m market cap, or US$3.02m). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Profit margins are more than 30% lower than last year (3.2% net profit margin).
New Risk • Jul 01New major risk - Financial data availabilityThe company has not reported any financial data. This is considered a major risk. With no or incomplete audited reported financial data, it is virtually impossible to assess the company's investment potential. Currently, the following risks have been identified for the company: Major Risks No financial data reported. Market cap is less than US$10m (GH₵48.9m market cap, or US$3.22m).
Board Change • Apr 03No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 10 non-independent directors. MD & Director Hollistar Duah-Yentumi was the last director to join the board, commencing their role in 2024. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
New Risk • Feb 13New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended December 2022. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (GH₵47.0m market cap, or US$3.80m). Minor Risks Latest financial reports are more than 6 months old (reported December 2022 fiscal period end). Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (9.5% net profit margin).
New Risk • Aug 06New minor risk - Profit margin trendThe company's profit margins are lower than last year and have reduced by more than 30%. Net profit margin: 6.1% Last year net profit margin: 31% This is considered a minor risk. A large drop in profit margin could indicate the company does not have strong competitive advantages or it is yet to establish itself and its core business. Even if it is a well established business, this may make it a much riskier investment than one that has a combination of proven competitive advantages and a stable or growing profit margin. Currently, the following risks have been identified for the company: Major Risk Market cap is less than US$10m (GH₵39.1m market cap, or US$3.59m). Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Large one-off items impacting financial results. Profit margins are more than 30% lower than last year (6.1% net profit margin).
Upcoming Dividend • Dec 01Upcoming dividend of GH₵0.042 per shareEligible shareholders must have bought the stock before 08 December 2022. Payment date: 13 January 2023. Trailing yield: 15%. Within top quartile of Ghanaian dividend payers (14%). Higher than average of industry peers (5.3%).
Board Change • Nov 16No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 11 non-independent directors. Director Kingsley Agyemang was the last director to join the board, commencing their role in 2021. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
お知らせ • Nov 16SIC Insurance PLC, Annual General Meeting, Nov 16, 2022SIC Insurance PLC, Annual General Meeting, Nov 16, 2022, at 10:00 Coordinated Universal Time.
お知らせ • Nov 15SIC Insurance PLC Recommends the Payment of A Final Dividend for the 2021 Financial Year, Payable on January 13, 2023SIC Insurance PLC announced that the Company’s Directors will be recommending to the shareholders at the upcoming Annual General Meeting, the payment of a final dividend of GHC 0.0460 per share for the 2021 financial year. All shareholders registered in the books of SIC at the close of business on December 12, 2022, will qualify for the final dividend. The Register of shareholders will be closed from December 13, 2022, to December 14, 2022. (Both dates inclusive). In view of the foregoing, the ex-dividend date has been set as December 8, 2022. Consequently, an investor purchasing SIC shares before this date will be entitled to the final dividend. However, an investor buying SIC shares on or after December 8, 2022, will not be entitled to the final dividend. The final dividend if approved will be paid on January 13, 2023.
Reported Earnings • Oct 09Full year 2021 earnings released: EPS: GH₵0.31 (vs GH₵0.063 in FY 2020)Full year 2021 results: EPS: GH₵0.31 (up from GH₵0.063 in FY 2020). Revenue: GH₵193.1m (up 14% from FY 2020). Net income: GH₵59.8m (up 383% from FY 2020). Profit margin: 31% (up from 7.3% in FY 2020). Over the last 3 years on average, earnings per share has increased by 8% per year but the company’s share price has increased by 47% per year, which means it is tracking significantly ahead of earnings growth.
Board Change • Apr 27No independent directorsFollowing the recent departure of a director, there are no independent directors on the board. The company's board is composed of: No independent directors. 11 non-independent directors. Director Kingsley Agyemang was the last director to join the board, commencing their role in 2021. The company's lack of independent directors is a risk according to the Simply Wall St Risk Model.
Reported Earnings • Feb 17Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: GH₵0.15 (up from GH₵0.063 in FY 2020). Revenue: GH₵184.1m (up 8.6% from FY 2020). Net income: GH₵29.1m (up 135% from FY 2020). Profit margin: 16% (up from 7.3% in FY 2020). The increase in margin was primarily driven by higher revenue. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has fallen by 25% per year whereas the company’s share price has fallen by 22% per year.
Board Change • Oct 04No independent directorsThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 8 experienced directors. No highly experienced directors. No independent directors (9 non-independent directors). Non-Executive Director Aguriba Abugri was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment.
Board Change • Aug 31No independent directorsThere is 1 new director who has joined the board in the last 3 years. The new board member was not an independent director. The company's board is composed of: 1 new director. 8 experienced directors. No highly experienced directors. No independent directors (9 non-independent directors). Non-Executive Director Aguriba Abugri was the last director to join the board, commencing their role in 2020. The following issues are considered to be risks according to the Simply Wall St Risk Model: Lack of independent directors. Insufficient board refreshment.
