ScoreWhy is Gulf Insurance Group (Saudi Arabia) ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 12.26%
- Poor long term growth as Net Sales has grown by an annual rate of 4.08% and Operating profit at 0%
- The company has been able to generate a Return on Equity (avg) of 12.26% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Net Sales has grown by an annual rate of 4.08% and Operating profit at 0%
3
Flat results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at SAR 42.71 MM
- DEBT-EQUITY RATIO (HY) Highest at -7.5 %
4
With ROE of 10.61%, it has a attractive valuation with a 1.02 Price to Book Value
- Over the past year, while the stock has generated a return of -1.21%, its profits have risen by 27.4% ; the PEG ratio of the company is 0.4
- At the current price, the company has a high dividend yield of 5.2
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Gulf Insurance Group (Saudi Arabia) should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Gulf Insurance Group (Saudi Arabia) for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Gulf Insurance Group (Saudi Arabia)
-100.0%
-0.32
25.88%
Saudi Arabia All Share TASI
0.01%
0.00
13.85%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
4.08%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
16.16%
Dividend Payout Ratio
49.93%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
12.26%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.02
EV to EBIT
NA
EV to EBITDA
36.38
EV to Capital Employed
1.04
EV to Sales
0.34
PEG Ratio
0.35
Dividend Yield
5.15%
ROCE (Latest)
ROE (Latest)
10.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bullish
RSI
Bearish
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at SAR 409.54 MM
-3What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR 42.71 MM
DEBT-EQUITY RATIO
(HY)
Highest at -7.5 %
Here's what is working for Gulf Insurance Group (Saudi Arabia)
Net Sales
Highest at SAR 409.54 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Raw Material Cost
Fallen by 0% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Depreciation
At SAR 4.13 MM has Grown at 25.62%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (SAR MM)
Here's what is not working for Gulf Insurance Group (Saudi Arabia)
Operating Cash Flow
Lowest at SAR 42.71 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
Debt-Equity Ratio
Highest at -7.5 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
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