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Gulf Insurance Group KSCKUW:GINS -0.70%62 Debt-to-EBITDA is 1.25 as of Jun. 2026, which is 7% above its 10-year median of 1.17. GuruFocus rates KUW:GINS with a GF Score™ of 62/100 and a GF Value™ of KWD1.25 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 320 Insurance companies, Gulf Insurance Group KSC ranks worse than 52.19% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Gulf Insurance Group KSC's Debt-to-EBITDA or its related term are showing as below:
KUW:GINS'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 0.04 Med: 1.17 Max: 3.68
Current: 1.31
During the past 13 years, the highest Debt-to-EBITDA Ratio of Gulf Insurance Group KSC was 3.68. The lowest was 0.04. And the median was 1.17.
KUW:GINS's Debt-to-EBITDA is ranked worse than 52.19% of 320
companies
in the Insurance industry
Industry Median: 1.235
vs KUW:GINS: 1.31
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Gulf Insurance Group KSC Debt-to-EBITDA Related Terms
Gulf Insurance Group KSC Debt-to-EBITDA Historical Data
* 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.
KUW:GINS vs CB, PGR, TRV: Debt-to-EBITDA Comparison
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 KSC Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Gulf Insurance Group KSC (KUW:GINS) has a Debt-to-EBITDA of 1.25 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Gulf Insurance Group KSC. This is near median its historical median of 1.17. Over the past decade, Gulf Insurance Group KSC's Debt-to-EBITDA has ranged from 0.04 to 3.68. According to the industry distribution chart, Gulf Insurance Group KSC ranks #167 out of 320 companies in the Insurance industry, placing it in the top 52.2%.
Is Gulf Insurance Group KSC's Debt-to-EBITDA too high?
Gulf Insurance Group KSC's current Debt-to-EBITDA of 1.25 is near median its 10-year median of 1.17. Over the past 10 years, this metric has ranged from a low of 0.04 to a high of 3.68. The Insurance industry median Debt-to-EBITDA is 1.24. Gulf Insurance Group KSC's value of 1.25 is 1.2% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #167 out of 320 companies in the Insurance industry, which is below the industry midpoint. Overall, Gulf Insurance Group KSC has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's Debt-to-EBITDA compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #167 out of 320 companies for Debt-to-EBITDA. This places Gulf Insurance Group KSC in the lower half of its industry. The industry median Debt-to-EBITDA is 1.24. Gulf Insurance Group KSC's value of 1.25 is 1.2% above this benchmark. Historically, Gulf Insurance Group KSC's own Debt-to-EBITDA has ranged from 0.04 to 3.68 over the past decade. While the company's 10-year median is 1.17 vs. the industry median of 1.24, Gulf Insurance Group KSC has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.24, based on 320 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gulf Insurance Group KSC's current Debt-to-EBITDA of 1.25 is 1.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Gulf Insurance Group KSC. For the Insurance industry, the median Debt-to-EBITDA is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gulf Insurance Group KSC's current Debt-to-EBITDA is 1.25, which is near median its own 10-year median of 1.17. 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 KSC stock overvalued right now?
Based on GuruFocus' analysis, Gulf Insurance Group KSC (KUW:GINS) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD1.25, compared to a current price of KWD1.42 — trading 13.8% above its estimated fair value. The current Debt-to-EBITDA is 1.25, which is near median its 10-year median of 1.17 and 1.2% above the Insurance industry median of 1.24. Gulf Insurance Group KSC's overall GF Score™ is 62/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Gulf Insurance Group KSC (KUW:GINS), the current Debt-to-EBITDA is 1.25 as of Jun. 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 KSC (KUW:GINS) Overvalued in 2026?
Based on GuruFocus' analysis, Gulf Insurance Group KSC stock appears to be overvalued.
The current stock price of KWD1.42 is trading 13.8% above its estimated GF Value™ of KWD1.25.
GuruFocus considers Gulf Insurance Group KSC to be Modestly Overvalued.
Key valuation signals for KUW:GINS:
Debt-to-EBITDA: 1.25 (near median its 10-year median of 1.17)
GF Value™: KWD1.25 vs. price of KWD1.42 (13.8% above fair value)
Industry Position: 1.2% above the Insurance median (#167 of 320)
No single metric tells the full story. See the KUW:GINS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gulf Insurance Group KSC is an insurance company offering solutions and covering a range of risks related to Motor, Marine & Aviation, Property & Casualty, and Life & Health Insurance, both in a conventional and Takaful (Islamic insurance based on Shariah principles) basis. Gulf Insurance operates its business in two segments, namely General risk insurance and Life and medical insurance, offering general insurance including marine and aviation, motor vehicles, property, engineering and general accidents; and savings, protection products, and other long-term contracts respectively.
62GF Score
Get the complete analysis for KUW:GINS
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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