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Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
The Mediterranean and Gulf Insurance and Reinsurance Co has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) Piotroski F-Score Explanation
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
The Mediterranean and Gulf Insurance and Reinsurance Co Piotroski F-Score Related Terms
The Mediterranean and Gulf Insurance and Reinsurance Co Piotroski F-Score 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.
The Mediterranean and Gulf Insurance and Reinsurance Co Piotroski F-Score Chart
The Mediterranean and Gulf Insurance and Reinsurance Co Annual Data
* 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.
The Mediterranean and Gulf Insurance and Reinsurance Co Piotroski F-Score vs Insurance Industry
* 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.
This Year (Mar26) TTM:
Last Year (Mar25) TTM:
Net Income was -1.47 + 17.903 + 4.992 + 36.249 = ﷼58 Mil. Cash Flow from Operations was -5.098 + 230.012 + -479.713 + 93.298 = ﷼-162 Mil. Revenue was 963.059 + 981.745 + 1196.074 + 1057.501 = ﷼4,198 Mil.
Average Total Assets from the begining of this year (Mar25)
to the end of this year (Mar26) was
(3053.635 + 3059.856 + 3207.92 + 3778.795 + 3849.111) / 5 = ﷼3389.8634 Mil. Total Assets at the begining of this year (Mar25) was ﷼3,054 Mil. Long-Term Debt & Capital Lease Obligation was ﷼13 Mil. Total Assets was ﷼3,849 Mil. Total Liabilities was ﷼2,237 Mil.
Net Income was 33.608 + 39.121 + 3.004 + 19.638 = ﷼95 Mil.
Revenue was 804.539 + 926.875 + 840.787 + 954.588 = ﷼3,527 Mil.
Average Total Assets from the begining of last year (Mar24)
to the end of last year (Mar25) was
(3164.764 + 3026.587 + 2987.696 + 2883.036 + 3053.635) / 5 = ﷼3023.1436 Mil. Total Assets at the begining of last year (Mar24) was ﷼3,165 Mil. Long-Term Debt & Capital Lease Obligation was ﷼13 Mil. Total Assets was ﷼3,054 Mil. Total Liabilities was ﷼2,003 Mil.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
The Mediterranean and Gulf Insurance and Reinsurance Co's current Net Income (TTM) was 58.
==> Positive ==> Score 1.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
The Mediterranean and Gulf Insurance and Reinsurance Co's current Cash Flow from Operations (TTM) was -162.
==> Negative ==> Score 0.
Question 3. Change in Return on Assets
Compare this year's return on assets (1) to last year's return on assets.
The Mediterranean and Gulf Insurance and Reinsurance Co's return on assets of this year was 0.018887. The Mediterranean and Gulf Insurance and Reinsurance Co's return on assets of last year was 0.03013526.
==> Last year is higher ==> Score 0.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
The Mediterranean and Gulf Insurance and Reinsurance Co's gearing of this year was 0.0038919. The Mediterranean and Gulf Insurance and Reinsurance Co's gearing of last year was 0.00436268.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
* Note that for banks and insurance companies, there's no Total Current Assets and Total Current Liabilities reported. Thus, we use Total Assets and Total Liabilities to calculate current ratio for banks and insurance companies.
The Mediterranean and Gulf Insurance and Reinsurance Co's current ratio of this year was 1.72057451. The Mediterranean and Gulf Insurance and Reinsurance Co's current ratio of last year was 1.52464945.
==> This year's current ratio is higher. ==> Score 1.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
The Mediterranean and Gulf Insurance and Reinsurance Co's number of shares in issue this year was 138.158. The Mediterranean and Gulf Insurance and Reinsurance Co's number of shares in issue last year was 105.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
* Note that for banks and insurance companies, there's no Gross Profit reported. Thus, we use net income instead of gross profit and calculate Net Margin for this score.
The Mediterranean and Gulf Insurance and Reinsurance Co's net margin of this year was 0.01373721. The Mediterranean and Gulf Insurance and Reinsurance Co's net margin of last year was 0.02704188.
==> Last year's net margin is higher ==> Score 0.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
The Mediterranean and Gulf Insurance and Reinsurance Co's asset turnover of this year was 1.37487912. The Mediterranean and Gulf Insurance and Reinsurance Co's asset turnover of last year was 1.11439242.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
Piotroski F-Score
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4
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
The Mediterranean and Gulf Insurance and Reinsurance Co has an F-score of 4 indicating the company's financial situation is typical for a stable company.
The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) has a Piotroski F-Score of 4 as of Jul. 17, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on The Mediterranean and Gulf Insurance and Reinsurance Co and its competitors. This is 20% below median its historical median of 5.00. Over the past decade, The Mediterranean and Gulf Insurance and Reinsurance Co's Piotroski F-Score has ranged from 1.00 to 9.00. According to the industry distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #375 out of 482 companies in the Insurance industry, placing it in the top 77.8%.
Is The Mediterranean and Gulf Insurance and Reinsurance Co's Piotroski F-Score too high?
The Mediterranean and Gulf Insurance and Reinsurance Co's current Piotroski F-Score of 4 is 20% below median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 1.00 to a high of 9.00. The Insurance industry median Piotroski F-Score is 6.00. The Mediterranean and Gulf Insurance and Reinsurance Co's value of 4 is 33.3% below this industry median. Based on the distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #375 out of 482 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, The Mediterranean and Gulf Insurance and Reinsurance Co has a GF Score™ of 70/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does The Mediterranean and Gulf Insurance and Reinsurance Co's Piotroski F-Score compare to AFL and MET?
According to the Insurance industry distribution chart, The Mediterranean and Gulf Insurance and Reinsurance Co ranks #375 out of 482 companies for Piotroski F-Score. This places The Mediterranean and Gulf Insurance and Reinsurance Co in the lower half of its industry. The industry median Piotroski F-Score is 6.00. The Mediterranean and Gulf Insurance and Reinsurance Co's value of 4 is 33.3% below this benchmark. Historically, The Mediterranean and Gulf Insurance and Reinsurance Co's own Piotroski F-Score has ranged from 1.00 to 9.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 6.00, The Mediterranean and Gulf Insurance and Reinsurance Co has consistently been below 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 Piotroski F-Score for an Insurance company?
The median Piotroski F-Score among Insurance companies is 6.00, based on 482 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. The Mediterranean and Gulf Insurance and Reinsurance Co's current Piotroski F-Score of 4 is 33.3% below 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 Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on The Mediterranean and Gulf Insurance and Reinsurance Co and its competitors. For the Insurance industry, the median Piotroski F-Score is 6.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. The Mediterranean and Gulf Insurance and Reinsurance Co's current Piotroski F-Score is 4, which is 20% below median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Mediterranean and Gulf Insurance and Reinsurance Co stock overvalued right now?
Based on GuruFocus' analysis, The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼22.01, compared to a current price of ﷼15.35 — trading 30.3% below its estimated fair value. The current Piotroski F-Score is 4, which is 20% below median its 10-year median of 5.00 and 33.3% below the Insurance industry median of 6.00. The Mediterranean and Gulf Insurance and Reinsurance Co's overall GF Score™ is 70/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030), the current Piotroski F-Score is 4 as of Jul. 17, 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 The Mediterranean and Gulf Insurance and Reinsurance Co (SAU:8030) Overvalued in 2026?
Based on GuruFocus' analysis, The Mediterranean and Gulf Insurance and Reinsurance Co stock appears to be undervalued.
The current stock price of ﷼15.35 is trading 30.3% below its estimated GF Value™ of ﷼22.01.
GuruFocus considers The Mediterranean and Gulf Insurance and Reinsurance Co to be Possible Value Trap.
Key valuation signals for SAU:8030:
Piotroski F-Score: 4 (20% below median its 10-year median of 5.00)
GF Value™: ﷼22.01 vs. price of ﷼15.35 (30.3% below fair value)
Industry Position: 33.3% below the Insurance median (#375 of 482)
No single metric tells the full story. See the SAU:8030 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Mediterranean and Gulf Insurance and Reinsurance Co Business Description
The Mediterranean and Gulf Insurance and Reinsurance Co is a Saudi Arabian insurance company with objectives to transact in cooperative insurance and reinsurance business and related activities. Its principal lines of business include medical, motor and other general insurance. It has three reportable operating segments: Medical insurance, which is the key revenue driver, and covers medical costs, medicines, and all other medical services and supplies; Motor Insurance, which provides coverage against losses and liability related to motor vehicles; and Other classes, which covers any other classes of insurance not included above.
70GF Score
Get the complete analysis for SAU:8030
Piotroski F-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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