Gulf Insurance Group (SAU:8250) Cyclically Adjusted Book per Share: ﷼17.39 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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SAU:8250 Gulf Insurance Group SAU:8250
72 GF Score
Price ﷼30.76
GF Value ﷼27.81
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Gulf Insurance Group Cyclically Adjusted Book per Share?

Gulf Insurance Group SAU:8250 -1.54% 72 Cyclically Adjusted Book per Share is ﷼17.39 as of Mar. 2026. GuruFocus rates SAU:8250 with a GF Score™ of 72/100 and a GF Value™ of ﷼27.81 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Gulf Insurance Group's adjusted book value per share for the three months ended in Mar. 2026 was ﷼23.374. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ﷼17.39 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Gulf Insurance Group's average Cyclically Adjusted Book Growth Rate was 8.40% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-18), Gulf Insurance Group's current stock price is ﷼30.76. Gulf Insurance Group's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was ﷼17.39. Gulf Insurance Group's Cyclically Adjusted PB Ratio of today is 1.77.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Gulf Insurance Group was 2.83. The lowest was 1.30. And the median was 1.93.


Gulf Insurance Group  (SAU:8250) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Gulf Insurance Group's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=30.76/17.39
=1.77

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Gulf Insurance Group was 2.83. The lowest was 1.30. And the median was 1.93.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Gulf Insurance Group Cyclically Adjusted Book per Share Related Terms


Gulf Insurance Group Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Gulf Insurance Group's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Gulf Insurance Group Cyclically Adjusted Book per Share Chart

Gulf Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 13.81 15.67 16.80

Gulf Insurance Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 16.04 16.31 16.57 16.80 17.39

SAU:8250 vs BRK.A, AIG, HIG: Cyclically Adjusted Book per Share Comparison

For the Insurance - Diversified subindustry, Gulf Insurance Group's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Gulf Insurance Group Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Gulf Insurance Group's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Gulf Insurance Group's Cyclically Adjusted PB Ratio falls into.


SAU:8250
72GF Score
Gulf Insurance Group SAU:8250
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Gulf Insurance Group Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Gulf Insurance Group's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=23.374/330.2130*330.2130
=23.374

Current CPI (Mar. 2026) = 330.2130.

Gulf Insurance Group Quarterly Data

Book Value per Share CPI Adj_Book
201606 0.506 241.018 0.693
201609 0.621 241.428 0.849
201612 9.498 241.432 12.991
201703 0.894 243.801 1.211
201706 1.057 244.955 1.425
201709 10.127 246.819 13.549
201712 10.348 246.524 13.861
201803 10.496 249.554 13.888
201806 10.809 251.989 14.164
201809 11.004 252.439 14.394
201812 11.235 251.233 14.767
201903 11.236 254.202 14.596
201906 12.575 256.143 16.211
201909 13.010 256.759 16.732
201912 13.520 256.974 17.373
202003 13.351 258.115 17.080
202006 14.600 257.797 18.701
202009 15.766 260.280 20.002
202012 16.589 260.474 21.031
202103 17.150 264.877 21.380
202106 17.869 271.696 21.718
202109 18.619 274.310 22.413
202112 19.943 278.802 23.620
202203 18.881 287.504 21.686
202206 17.486 296.311 19.487
202209 17.401 296.808 19.359
202212 17.886 296.797 19.900
202303 19.611 301.836 21.455
202306 19.331 305.109 20.922
202309 19.281 307.789 20.686
202312 20.283 306.746 21.835
202403 19.626 312.332 20.750
202406 19.043 314.175 20.015
202409 20.273 315.301 21.232
202412 20.761 315.605 21.722
202503 21.828 319.799 22.539
202506 21.463 322.561 21.972
202509 22.212 324.800 22.582
202512 22.885 324.054 23.320
202603 23.374 330.213 23.374

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of ﷼17.39 mean?
Gulf Insurance Group (SAU:8250) has a Cyclically Adjusted Book per Share of ﷼17.39 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Gulf Insurance Group and its competitors.
Is Gulf Insurance Group's Cyclically Adjusted Book per Share too high?
Gulf Insurance Group's current Cyclically Adjusted Book per Share is ﷼17.39. Overall, Gulf Insurance Group has a GF Score™ of 72/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group's Cyclically Adjusted Book per Share compare to BRK.A and AIG?
Gulf Insurance Group's Cyclically Adjusted Book per Share of ﷼17.39 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Gulf Insurance Group and its competitors. Gulf Insurance Group's current Cyclically Adjusted Book per Share is ﷼17.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gulf Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Gulf Insurance Group (SAU:8250) is currently considered Modestly Overvalued. The stock's GF Value™ is ﷼27.81, compared to a current price of ﷼30.76 — trading 10.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is ﷼17.39. Gulf Insurance Group's overall GF Score™ is 72/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Gulf Insurance Group (SAU:8250), the current Cyclically Adjusted Book per Share is ﷼17.39 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Gulf Insurance Group (SAU:8250) Overvalued in 2026?

Based on GuruFocus' analysis, Gulf Insurance Group stock appears to be overvalued. The current stock price of ﷼30.76 is trading 10.6% above its estimated GF Value™ of ﷼27.81. GuruFocus considers Gulf Insurance Group to be Modestly Overvalued.

Key valuation signals for SAU:8250:

  • Cyclically Adjusted Book per Share: ﷼17.39
  • GF Value™: ﷼27.81 vs. price of ﷼30.76 (10.6% above fair value)
  • GF Score™: 72/100 with 6 warning signs

No single metric tells the full story. See the SAU:8250 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Gulf Insurance Group Business Description

Address P.O. Box 753, Riyadh, SAU, 11421
Gulf Insurance Group operates in the insurance industry. The company's line of business includes health, motor, marine, property, engineering, accident, liability, and protection insurance. It has various segments, which include Motor, Property and Casualty, Health, and Protection. Maximum revenue is generated from its Motor insurance segment which is intended to compensate the policyholder for damage to the vehicle or liability to third parties due to an accident.
72GF Score

Get the complete analysis for SAU:8250

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼30.76
Price
﷼27.81
GF Value