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Gulf Insurance Group (8250.SR)
Riyadh, KW
Gulf Insurance Group offers a comprehensive suite of insurance and reinsurance solutions tailored for individuals, small and medium-sized enterprises (SMEs), and larger corporate clients, primarily operating within Saudi Arabia. The company's product portfolio for personal and SME needs includes automobile, travel, residential, personal accident, and medical insurance. For businesses, Gulf Insurance Group provides an extensive range of policies covering motor fleets, healthcare, corporate travel, marine, life, and group personal accidents. Additionally, it delivers specialized commercial protections such as money insurance, all-risk business coverage, general and product third-party liability, workmen's compensation/employer's liability, contractors' and erection all-risk, machinery and electronic equipment breakdown, and death and disability insurance. Established in 2008, the company operated as AXA Cooperative Insurance Company until June 2022, when it rebranded to its current name. Gulf Insurance Group maintains its headquarters in Kuwait City, Kuwait.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +9.78% | +20.33% | +20.55% | +28.16% | +10.39% | -3.15% | -24.58% | +109.48% | +46.06% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2025-10 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Diversified: +15.2%-1.7% Q1'26: +40.2% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%+28.3% ★ Q1'26: +59.6% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+2.7% Q1'26: +14.5% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+11.5% Q1'26: +11.8% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+11.1% ★ Q1'26: +16.7% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×0.14× ★ Q1'26: 0.11× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
1.32B
est: 1.45B (-8.9%)
|
1.32B
est: 1.36B (-3.5%)
|
1.34B
est: 1.45B (-7.5%)
|
1.36B
est: 1.50B (-9.4%)
|
1.43B
est: 1.54B (-7.7%)
|
1.50B
est: 1.56B (-3.8%)
|
1.38B
est: 1.60B (-13.7%)
|
1.36B
est: 1.55B (-12.5%)
|
1.68B
1.68B – 1.68B
+8.3% YoY
|
1.83B
1.77B – 1.88B
+8.9% YoY
|
1.97B
1.97B – 1.97B
+7.5% YoY
|
| EBITDA |
90.64M
est: 172.58M (-47.5%)
|
128.60M
est: 162.64M (-20.9%)
|
198.99M
est: 172.35M (+15.5%)
|
198.55M
est: 178.90M (+11.0%)
|
112.65M
est: 184.09M (-38.8%)
|
178.49M
est: 179.27M (-0.4%)
|
142.79M
est: 183.15M (-22.0%)
|
170.72M
est: 177.65M (-3.9%)
|
192.32M
192.32M – 192.32M
+8.3% YoY
|
209.51M
203.26M – 215.75M
+8.9% YoY
|
225.21M
225.21M – 225.21M
+7.5% YoY
|
| EBIT |
83.86M
est: 155.56M (-46.1%)
|
118.55M
est: 146.60M (-19.1%)
|
184.10M
est: 155.35M (+18.5%)
|
183.57M
est: 161.26M (+13.8%)
|
100.25M
est: 165.93M (-39.6%)
|
155.37M
est: 160.86M (-3.4%)
|
125.45M
est: 164.33M (-23.7%)
|
155.49M
est: 159.39M (-2.4%)
|
172.56M
172.56M – 172.56M
+8.3% YoY
|
187.98M
182.38M – 193.59M
+8.9% YoY
|
202.07M
202.07M – 202.07M
+7.5% YoY
|
| Net Income |
66.43M
est: 64.80M (+2.5%)
|
96.40M
est: 68.00M (+41.8%)
|
155.06M
est: 144.50M (+7.3%)
|
154.55M
est: 137.50M (+12.4%)
|
15.91M
est: 98.00M (-83.8%)
|
128.53M
est: 64.39M (+99.6%)
|
98.20M
est: 87.68M (+12.0%)
|
126.19M
est: 122.85M (+2.7%)
|
179.55M
179.55M – 179.55M
+46.2% YoY
|
152.25M
152.25M – 152.25M
-15.2% YoY
|
—
— – —
-100.0% YoY
|
| SGA |
25.61M
est: 17.00M (+50.6%)
|
31.98M
est: 16.02M (+99.6%)
|
30.72M
est: 16.98M (+80.9%)
|
42.87M
est: 17.62M (+143.2%)
|
3.34M
est: 18.14M (-81.6%)
|
2.83M
est: 11.18M (-74.7%)
|
—
est: 11.42M (-100.0%)
|
—
est: 11.08M (-100.0%)
|
11.99M
11.99M – 11.99M
+8.3% YoY
|
13.07M
12.68M – 13.45M
+8.9% YoY
|
14.04M
14.04M – 14.04M
+7.5% YoY
|
| EPS |
1.12
est: 1.23 (-9.3%)
|
1.65
est: 1.30 (+27.4%)
|
2.64
est: 2.75 (-4.1%)
|
2.64
est: 2.62 (+0.8%)
|
0.30
est: 1.87 (-83.9%)
|
2.45
est: 1.23 (+99.8%)
|
1.87
est: 1.67 (+12.0%)
|
2.40
est: 2.34 (+2.6%)
|
3.42
3.42 – 3.42
+46.2% YoY
|
2.90
2.90 – 2.90
-15.2% YoY
|
—
— – —
-100.0% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-21 | A | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-20 | A | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-19 | A | 4/5 | 4/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-18 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-17 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-14 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-13 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-12 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-11 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-10 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-04 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-05-03 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-30 | A- | 4/5 | 4/5 | 3/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-26 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-19 | A | 4/5 | 5/5 | 4/5 | 5/5 | 3/5 | 3/5 | 3/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 4/5 | 5/5 | 2/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Avantis Emerging Markets Small Cap Equity ETF AVEE | 0.01% | 14.6K | 0.42% |
| 2 | Avantis Emerging Markets ex-China Equity ETF AVXC | 0.01% | 34.1K | 0.33% |
| 3 | Dimensional - Emerging Markets ex China Core Equity ETF DEXC | 0.01% | 25.7K | 0.56% |
| 4 | Dimensional - Emerging Markets Value ETF DFEV | 0.01% | 105.1K | 0.46% |
| 5 | Avantis Emerging Markets Equity UCITS ETF USD Acc AVEM.L | 0.00% | 12.4K | 0.35% |
| 6 | Dimensional - Emerging Markets Core Equity 2 ETF DFEM | 0.00% | 365.2K | 0.39% |
| 7 | Dimensional Emerging Markets Sustainability Core 1 ETF DFSE | 0.00% | 12.2K | 0.44% |
| 8 | Dimensional - Emerging Core Equity Market ETF DFAE | 0.00% | 141.3K | 0.29% |
| 9 | Dimensional World ex U.S. Core Equity 2 ETF DFAX | 0.00% | 92.0K | 0.28% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Farid Joseph Saber | Group Chief Operations Officer | 181.0K | male |
| Osama Kamel Mostafa Aly Kishk | Group Chief Financial Officer | 170.5K | male |
| Ahmed Galal Ragab | Chief Actuarial Officer, Head of Actuarial Operations & Group Actuarial | — | male |
| Rami Selim El Baraki | Board Secretary | — | male |
| Zohair Safwani | Financial Controller | — | male |
| Khaled Saoud Abdul Aziz Al Hasan | Vice Chairman & Group Chief Executive Officer | — | male |
| Khaled Al Sanousi | Group Executive Manager of Corporate Communications, Marketing/PR, IR & Admin Affairs Department | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for 8250.SR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
