1. Kuwait Stocks

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    Insurance - Diversified
Gulf Insurance Group

Gulf Insurance Group

8250.SR
Gulf Insurance GroupSA flagSaudi Exchange
31.06
SAR
+0.28
- -
1.63BMarket Cap
Gulf Insurance Group
8250.SR
(Saudi Exchange)

Recent

price

31.06

P/E

ratio

- -

div

yld

- -

ROIC.AI

2009
2010
2011
2012
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
6.32
4.31
5.22
11.75
22.58
20.19
20.81
24.12
25.12
25.09
25.47
25.91
27.16
28.65
26.28
25.82
27.6
Revenue per Share
-0.09
0.06
-0.45
0.26
0.49
0.59
0.89
- -
1.27
1.84
2.95
2.94
0.3
2.45
1.87
2.4
2.71
Basic EPS, GAAP
-0.08
-0.01
0.1
0.4
4.99
1.21
2.91
5.99
3.98
4.3
4.87
1.9
1.02
3.24
1.24
0.99
3.41
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
0.95
0.48
1.5
1.2
- -
Dividend per Share
2.26
2.43
1.8
4.49
5.21
9.09
9.27
9.98
10.85
12.17
14.28
16.95
16.15
17.63
17.61
18.33
19.16
Book Value per Share
4.82
4.98
4.35
4.6
5.25
8.14
8.39
9.22
9.97
12.34
15.47
18.76
16.32
18.82
19.38
21.5
22.03
Tangible Book Value per Share
78
78
78
39
39
51
52
52
52
52
52
52
52
52
52
52
52
Basic Weighted Avg Shares
496
338
409
460
883
1,030
1,093
1,264
1,319
1,317
1,337
1,360
1,426
1,504
1,380
1,356
1,449
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
4.27
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
4
4
5
5
7
10
15
15
12
23
17
15
15
Depreciation Expense
-7
5
-35
10
19
30
47
- -
66
96
155
155
16
129
98
126
142
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
20.79
18.43
15.45
15.43
52.39
17.28
21.73
18.84
17.99
Effective Tax Rate (%)
-1.46
1.39
-8.54
2.24
2.19
2.94
4.27
- -
5.04
7.32
11.6
11.36
1.12
8.54
7.12
9.31
9.83
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
24
19
17
14
26
23
19
24
LT Debt
377
391
341
180
208
468
499
543
590
710
871
1,047
939
1,065
1,090
1,201
1,227
Total Equity
- -
- -
- -
- -
- -
- -
9.39
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
2.56
- -
- -
10.17
9.08
9.81
- -
12.16
15.68
21.7
18.47
1.83
14.12
10.3
13.03
14.18
Return on Capital (%)
- -
2.56
-21.04
6.49
10.17
9.08
9.81
- -
12.16
15.95
22.33
18.85
1.83
14.49
10.62
13.38
14.55
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
5
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
24
19
24
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
52
52
52
Market Capitalization
1,392
1,122
1,269

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,861
1,875
1,916
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
5
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.29%
7.18%
10.23%
Free Cash Flow
26.85%
5.53%
-20.4%
Net Income, GAAP
- -
124.51%
28.51%
Sales/Revenue/Turnover
2.95%
0.41%
-1.73%
Total Cash Common Dividend
- -
- -
-20%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
292
357
345
376
1,380
2025
316
356
345
370
1,356
2026
378
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.39
0.98
0.42
- -
1.87
2025
0.52
0.61
0.5
- -
2.4
2026
0.83
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
1.5
2025
- -
- -
- -
- -
1.2
2026
- -
- -
- -
- -
- -
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Business
Gulf Insurance Group offers a comprehensive suite of insurance and reinsurance products for individuals, small and medium-sized enterprises, and larger corporations throughout Saudi Arabia. The company delivers coverage for motor vehicles, health, travel, home, and personal accidents; it also provides business solutions encompassing fleet motor, healthcare, corporate travel, marine, life, and group personal accident insurance. Additionally, its offerings extend to policies for money, business all risk, general third-party liability, product liability, workmen's compensation, employer's liability, contractors all risk, erection all risk, machinery and electronic equipment breakdown, along with death and disability protection. Previously operating as AXA Cooperative Insurance Company, the entity officially adopted the Gulf Insurance Group name in Saudi Arabia in June 2022, following a strategic acquisition by its parent group. The Saudi Arabian firm was established in 2008 and maintains its primary office in Riyadh, Saudi Arabia, while the broader Gulf Insurance Group, a leading regional insurer established in 1962, is headquartered in Kuwait City, Kuwait. The group is committed to digital transformation and customer-centric innovation, and is recognized for its robust financial health and extensive presence across the Middle East and North Africa.