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 3.67% 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 3.67% and Operating profit at 0%
3
Flat results in Jun 25
4
With ROE of 11.36%, it has a attractive valuation with a 1.21 Price to Book Value
- Over the past year, while the stock has generated a return of -25.93%, its profits have risen by 100.7% ; the PEG ratio of the company is 0.1
- At the current price, the company has a high dividend yield of 4.6
5
Below par performance in long term as well as near term
- Along with generating -25.93% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months
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?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Gulf Insurance Group (Saudi Arabia)
-25.93%
-0.84
23.52%
Saudi Arabia All Share TASI
-12.63%
-0.87
14.46%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
3.67%
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
64.16%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
12.26%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
11
Industry P/E
Price to Book Value
1.21
EV to EBIT
NA
EV to EBITDA
66.21
EV to Capital Employed
1.30
EV to Sales
0.65
PEG Ratio
0.11
Dividend Yield
4.63%
ROCE (Latest)
ROE (Latest)
11.36%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
OPERATING CASH FLOW(Y)
Highest at SAR 102.98 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(9M)
Higher at SAR 107.15 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Gulf Insurance Group (Saudi Arabia)
Operating Cash Flow
Highest at SAR 102.98 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (SAR MM)
Net Profit
At SAR 107.15 MM has Grown at 99.94%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (SAR MM)
Net Profit
Higher at SAR 107.15 MM
than preceding 12 month period ended Jun 2025MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net Profit (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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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