Gulf Insurance Group (SAU:8250) Cyclically Adjusted FCF per Share: ﷼3.99 (As of Mar. 2026)

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SAU:8250 Gulf Insurance Group SAU:8250
61 GF Score
Price ﷼32.84
GF Value ﷼27.96
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Gulf Insurance Group Cyclically Adjusted FCF per Share?

Gulf Insurance Group SAU:8250 +2.63% 61 Cyclically Adjusted FCF per Share is ﷼3.99 as of Mar. 2026. GuruFocus rates SAU:8250 with a GF Score™ of 61/100 and a GF Value™ of ﷼27.96 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Gulf Insurance Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was ﷼1.214. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ﷼3.99 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Gulf Insurance Group's average Cyclically Adjusted FCF Growth Rate was 11.50% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-08-04), Gulf Insurance Group's current stock price is ﷼32.84. Gulf Insurance Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ﷼3.99. Gulf Insurance Group's Cyclically Adjusted Price-to-FCF of today is 8.23.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Gulf Insurance Group was 9.86. The lowest was 5.68. And the median was 7.28.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Gulf Insurance Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=32.84/3.99
=8.23

* 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 Price-to-FCF of Gulf Insurance Group was 9.86. The lowest was 5.68. And the median was 7.28.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Gulf Insurance Group Cyclically Adjusted FCF per Share Related Terms


Gulf Insurance Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Gulf Insurance Group's Cyclically Adjusted FCF 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 FCF per Share Chart

Gulf Insurance Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 3.98 3.81 3.83

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 FCF 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 3.58 3.77 3.81 3.83 3.99

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

For the Insurance - Diversified subindustry, Gulf Insurance Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Gulf Insurance Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Gulf Insurance Group's Cyclically Adjusted Price-to-FCF falls into.


SAU:8250
61GF Score
Gulf Insurance Group SAU:8250
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Gulf Insurance Group Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=1.214/330.2130*330.2130
=1.214

Current CPI (Mar. 2026) = 330.2130.

Gulf Insurance Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2.004 241.018 2.746
201609 0.544 241.428 0.744
201612 0.331 241.432 0.453
201703 4.562 243.801 6.179
201706 0.878 244.955 1.184
201709 0.263 246.819 0.352
201712 0.257 246.524 0.344
201803 5.789 249.554 7.660
201806 -3.488 251.989 -4.571
201809 1.990 252.439 2.603
201812 0.006 251.233 0.008
201903 1.114 254.202 1.447
201906 1.168 256.143 1.506
201909 1.250 256.759 1.608
201912 0.772 256.974 0.992
202003 2.068 258.115 2.646
202006 1.747 257.797 2.238
202009 0.615 260.280 0.780
202012 0.448 260.474 0.568
202103 -0.056 264.877 -0.070
202106 0.222 271.696 0.270
202109 0.678 274.310 0.816
202112 1.062 278.802 1.258
202203 -0.369 287.504 -0.424
202206 1.469 296.311 1.637
202209 1.432 296.808 1.593
202212 -1.446 296.797 -1.609
202303 -0.640 301.836 -0.700
202306 0.846 305.109 0.916
202309 1.760 307.789 1.888
202312 1.276 306.746 1.374
202403 -0.169 312.332 -0.179
202406 -1.508 314.175 -1.585
202409 1.992 315.301 2.086
202412 0.928 315.605 0.971
202503 -1.205 319.799 -1.244
202506 0.027 322.561 0.028
202509 0.801 324.800 0.814
202512 1.367 324.054 1.393
202603 1.214 330.213 1.214

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ﷼3.99 mean?
Gulf Insurance Group (SAU:8250) has a Cyclically Adjusted FCF per Share of ﷼3.99 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Gulf Insurance Group and its competitors.
Is Gulf Insurance Group's Cyclically Adjusted FCF per Share too high?
Gulf Insurance Group's current Cyclically Adjusted FCF per Share is ﷼3.99. Overall, Gulf Insurance Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group's Cyclically Adjusted FCF per Share compare to BRK.A and AIG?
Gulf Insurance Group's Cyclically Adjusted FCF per Share of ﷼3.99 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Gulf Insurance Group and its competitors. Gulf Insurance Group's current Cyclically Adjusted FCF per Share is ﷼3.99. 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 ﷼27.96, compared to a current price of ﷼32.84 — trading 17.5% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ﷼3.99. Gulf Insurance Group's overall GF Score™ is 61/100 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Gulf Insurance Group (SAU:8250), the current Cyclically Adjusted FCF per Share is ﷼3.99 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 ﷼32.84 is trading 17.5% above its estimated GF Value™ of ﷼27.96. GuruFocus considers Gulf Insurance Group to be Modestly Overvalued.

Key valuation signals for SAU:8250:

  • Cyclically Adjusted FCF per Share: ﷼3.99
  • GF Value™: ﷼27.96 vs. price of ﷼32.84 (17.5% above fair value)
  • GF Score™: 61/100 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.
61GF Score

Get the complete analysis for SAU:8250

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

﷼32.84
Price
﷼27.96
GF Value