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A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Gulf Insurance Group KSC's Debt-to-Equity or its related term are showing as below:
KUW:GINS'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.01 Med: 0.27 Max: 0.95
Current: 0.28
During the past 13 years, the highest Debt-to-Equity Ratio of Gulf Insurance Group KSC was 0.95. The lowest was 0.01. And the median was 0.27.
KUW:GINS's Debt-to-Equity is ranked worse than 59.9% of 399
companies
in the Insurance industry
Industry Median: 0.21
vs KUW:GINS: 0.28
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Gulf Insurance Group KSC Debt-to-Equity Related Terms
Gulf Insurance Group KSC Debt-to-Equity 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-Equity Comparison
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's Debt-to-Equity 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.
Gulf Insurance Group KSC (KUW:GINS) has a Debt-to-Equity of 0.28 as of Jun. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Gulf Insurance Group KSC and its competitors. This is near median its historical median of 0.27. Over the past decade, Gulf Insurance Group KSC's Debt-to-Equity has ranged from 0.01 to 0.95. According to the industry distribution chart, Gulf Insurance Group KSC ranks #239 out of 399 companies in the Insurance industry, placing it in the top 59.9%.
Is Gulf Insurance Group KSC's Debt-to-Equity too high?
Gulf Insurance Group KSC's current Debt-to-Equity of 0.28 is near median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.01 to a high of 0.95. The Insurance industry median Debt-to-Equity is 0.21. Gulf Insurance Group KSC's value of 0.28 is 33.3% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #239 out of 399 companies in the Insurance industry, which is below the industry midpoint. Overall, Gulf Insurance Group KSC has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's Debt-to-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #239 out of 399 companies for Debt-to-Equity. This places Gulf Insurance Group KSC in the lower half of its industry. The industry median Debt-to-Equity is 0.21. Gulf Insurance Group KSC's value of 0.28 is 33.3% above this benchmark. Historically, Gulf Insurance Group KSC's own Debt-to-Equity has ranged from 0.01 to 0.95 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 0.21, 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-Equity for an Insurance company?
The median Debt-to-Equity among Insurance companies is 0.21, based on 399 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity 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-Equity of 0.28 is 33.3% 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Gulf Insurance Group KSC and its competitors. For the Insurance industry, the median Debt-to-Equity is 0.21 — 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-Equity is 0.28, which is near median its own 10-year median of 0.27. 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 Fairly Valued. The stock's GF Value™ is KWD1.25, compared to a current price of KWD1.17 — trading 6.6% below its estimated fair value. The current Debt-to-Equity is 0.28, which is near median its 10-year median of 0.27 and 33.3% above the Insurance industry median of 0.21. Gulf Insurance Group KSC's overall GF Score™ is 66/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Gulf Insurance Group KSC (KUW:GINS), the current Debt-to-Equity is 0.28 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 undervalued.
The current stock price of KWD1.17 is trading 6.6% below its estimated GF Value™ of KWD1.25.
GuruFocus considers Gulf Insurance Group KSC to be Fairly Valued.
Key valuation signals for KUW:GINS:
Debt-to-Equity: 0.28 (near median its 10-year median of 0.27)
GF Value™: KWD1.25 vs. price of KWD1.17 (6.6% below fair value)
Industry Position: 33.3% above the Insurance median (#239 of 399)
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.
66GF Score
Get the complete analysis for KUW:GINS
Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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