Stock SIC SIC INSURANCE PLC
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Financials SIC Insurance PLC

Equities

SIC

GH0000000730

Property & Casualty Insurance

End-of-day quote Ghana S.E.
Other stock markets
 06:00:00 2024-04-29 pm EDT 		5-day change 1st Jan Change
0.25 GHS -.--% Intraday chart for SIC Insurance PLC -.--% +4.17%
2023 SIC Insurance PLC Reports Earnings Results for the Full Year Ended December 31, 2022 CI
2022 SIC Insurance PLC Recommends the Payment of A Final Dividend for the 2021 Financial Year, Payable on January 13, 2023 CI

Valuation

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Capitalization 1 19.56 37.17 15.65 15.65 15.65 60.65
Enterprise Value (EV) 1 32.58 -26.46 -79.49 -100.6 -142.2 -180.3
P/E ratio -1.5 x 0.81 x 1.48 x 1.26 x 0.26 x 3.44 x
Yield 8.7% - - 19.1% 57.5% -
Capitalization / Revenue 0.18 x 0.27 x 0.11 x 0.09 x 0.08 x 0.33 x
EV / Revenue 0.29 x -0.19 x -0.55 x -0.59 x -0.74 x -0.97 x
EV / EBITDA -31.5 x 2.95 x -3.06 x -2.74 x -2.66 x 19 x
EV / FCF 2.99 x 1.72 x -2.57 x -4.32 x 5.58 x -1.66 x
FCF Yield 33.4% 58.2% -38.9% -23.1% 17.9% -60.4%
Price to Book 0.17 x 0.14 x 0.06 x 0.06 x 0.04 x 0.16 x
Nbr of stocks (in thousands) 195,645 195,645 195,645 195,645 195,645 195,645
Reference price 2 0.1000 0.1900 0.0800 0.0800 0.0800 0.3100
Announcement Date 7/9/18 9/10/19 9/17/20 11/22/21 10/5/22 7/28/23
1GHS in Million2GHS
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net sales 1 110.9 138.6 145.2 169.5 193.1 185.3
EBITDA 1 -1.034 -8.972 25.95 36.76 53.52 -9.486
EBIT 1 -3.623 -16.18 18.69 29.42 45.48 -21.86
Operating Margin -3.27% -11.68% 12.87% 17.35% 23.56% -11.8%
Earnings before Tax (EBT) 1 -26.45 61.55 15.21 27.59 71.92 26.65
Net income 1 -13.02 45.94 10.59 12.39 59.8 17.64
Net margin -11.75% 33.15% 7.29% 7.31% 30.98% 9.52%
EPS 2 -0.0666 0.2348 0.0541 0.0633 0.3057 0.0902
Free Cash Flow 1 10.88 -15.39 30.95 23.29 -25.47 108.8
FCF margin 9.82% -11.1% 21.32% 13.74% -13.19% 58.74%
FCF Conversion (EBITDA) - - 119.28% 63.34% - -
FCF Conversion (Net income) - - 292.32% 187.89% - 616.81%
Dividend per Share 2 0.008700 - - 0.0153 0.0460 -
Announcement Date 7/9/18 9/10/19 9/17/20 11/22/21 10/5/22 7/28/23
1GHS in Million2GHS
Estimates

Balance Sheet Analysis

Fiscal Period: December 2017 2018 2019 2020 2021 2022
Net Debt 1 13 - - - - -
Net Cash position 1 - 63.6 95.1 116 158 241
Leverage (Debt/EBITDA) -12.59 x - - - - -
Free Cash Flow 1 10.9 -15.4 31 23.3 -25.5 109
ROE (net income / shareholders' equity) -21.6% 23.2% 4.2% 5.48% 18.8% 4.79%
ROA (Net income/ Total Assets) -0.66% -2.12% 2.12% 3.29% 4.44% -1.79%
Assets 1 1,974 -2,171 500.5 376.7 1,348 -983.2
Book Value Per Share 2 0.6000 1.370 1.250 1.350 1.780 1.920
Cash Flow per Share 2 0.4000 0.4800 0.5500 0.6400 0.9100 1.310
Capex 1 7.17 3.9 0.88 1.56 6.09 4.09
Capex / Sales 6.47% 2.81% 0.61% 0.92% 3.15% 2.21%
Announcement Date 7/9/18 9/10/19 9/17/20 11/22/21 10/5/22 7/28/23
1GHS in Million2GHS
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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