Kuwait Insurance Co (KUW:KINS) Owner Earnings per Share (TTM): 0.05 (As of Jun. 2026)

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KUW:KINS Kuwait Insurance Co KUW:KINS
30 GF Score
Price KWD0.44
GF Value KWD0.46
Valuation Fairly Valued
! 4 Warning Signs
View Full Analysis

What is Kuwait Insurance Co Owner Earnings per Share (TTM)?

Kuwait Insurance Co KUW:KINS 30 Owner Earnings per Share (TTM) is 0.05 as of Jun. 2026. GuruFocus rates KUW:KINS with a GF Score™ of 30/100 and a GF Value™ of KWD0.46 (Fairly Valued). The stock has 4 warning signs investors should review. Among 346 Insurance companies, Kuwait Insurance Co ranks worse than 61.56% on this metric.

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

Kuwait Insurance Co's Owner Earnings per Share (TTM) ended in Jun. 2026 was KWD0.05. It's Price-to-Owner-Earnings ratio for today is 8.8.


The historical rank and industry rank for Kuwait Insurance Co's Owner Earnings per Share (TTM) or its related term are showing as below:

KUW:KINS' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 2.25   Med: 7.37   Max: 20.9
Current: 9.74


During the past 13 years, the highest Price-to-Owner-Earnings ratio of Kuwait Insurance Co was 20.90. The lowest was 2.25. And the median was 7.37.


KUW:KINS's Price-to-Owner-Earnings is ranked worse than
61.56% of 346 companies
in the Insurance industry
Industry Median: 7.73 vs KUW:KINS: 9.74

Kuwait Insurance Co's Earnings per Share (Diluted) for the three months ended in Jun. 2026 was KWD0.01. Its Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was KWD0.03. It's PE Ratio (TTM) ratio for today is 16.30.

Kuwait Insurance Co's EPS without NRI for the three months ended in Jun. 2026 was KWD0.01. Its EPS without NRI for the trailing twelve months (TTM) ended in Jun. 2026 was KWD0.03. It's PE Ratio without NRI ratio for today is 16.30.


Be Aware

Assumption: Companies usually do not report maintenance capital expenditures and growth capital expenditures separately. Here we use estimated numbers and average them over 5 years. The method to estimate maintenance capital expenditures can be found in above part 4.

Note: GuruFocus' Change In Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And it includes non-current parts of assets and liabilities.


Kuwait Insurance Co Owner Earnings per Share (TTM) Related Terms


Kuwait Insurance Co Owner Earnings per Share (TTM) Historical Data

* Premium members only.

The historical data trend for Kuwait Insurance Co's Owner Earnings per Share (TTM) 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.

Kuwait Insurance Co Owner Earnings per Share (TTM) Chart

Kuwait Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Owner Earnings per Share (TTM)
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.05 0.18 0.05 0.05 0.03

Kuwait Insurance Co Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Owner Earnings per Share (TTM) 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 0.04 0.03 0.03 0.04 0.05

KUW:KINS vs BRK.A, AIG, HIG: Owner Earnings per Share (TTM) Comparison

For the Insurance - Diversified subindustry, Kuwait Insurance Co's Price-to-Owner-Earnings, along with its competitors' market caps and Price-to-Owner-Earnings 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.


Kuwait Insurance Co Price-to-Owner-Earnings vs Insurance Industry

For the Insurance industry and Financial Services sector, Kuwait Insurance Co's Price-to-Owner-Earnings distribution charts can be found below:

* The bar in red indicates where Kuwait Insurance Co's Price-to-Owner-Earnings falls into.


KUW:KINS
30GF Score
Kuwait Insurance Co KUW:KINS
Owner Earnings per Share (TTM) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Kuwait Insurance Co Owner Earnings per Share (TTM) Calculation

In 1986 Berkshire Hathaway Shareholder Letter, Warren Buffett defined owner earnings as follows:

"These represent (a) reported earnings plus (b) depreciation, depletion, amortization, and certain other non-cash charges...less (c) the average annual amount of capitalized expenditures for plant and equipment, etc. that the business requires to fully maintain its long-term competitive position and its unit volume. (If the business requires additional working capital to maintain its competitive position and unit volume, the increment also should be included in (c))...Our owner-earnings equation does not yield the deceptively precise figures provided by GAAP, since (c) must be a guess - and one sometimes very difficult to make. Despite this problem, we consider the owner earnings figure, not the GAAP figure, to be the relevant item for valuation purposes - both for investors in buying stocks and for managers in buying entire businesses...All of this points up the absurdity of the 'cash flow' numbers that are often set forth in Wall Street reports. These numbers routinely include (a) plus (b) - but do not subtract (c)."

To make it simple, then you will have:

Owner Earnings per Share (TTM) = (Net Income + Depreciation, Depletion and Amortization + Change In Deferred Tax - 5Y Average of Maintenance Capital Expenditure + Change In Working Capital) / Shares Outstanding (Diluted Average)

Kuwait Insurance Co's Owner Earnings per Share (TTM) Calculation:

TTM / Last Quarter Average of Last 20 Quarters
Net Income 6.23
Depreciation, Depletion and Amortization 0.20
Change In Deferred Tax 0.00
5Y Average of Maintenance Capital Expenditure 0.07
Change In Working Capital 4.73
Shares Outstanding (Diluted Average) 238.10

1. Start with "Net Income" from income statement. Kuwait Insurance Co's Net Income for the trailing twelve months (TTM) ended in Jun. 2026 was KWD6.23 Mil.

2. "Depreciation, Depletion and Amortization" is from cashflow statement. Kuwait Insurance Co's Depreciation, Depletion and Amortization for the trailing twelve months (TTM) ended in Jun. 2026 was KWD0.20 Mil. This needs to be added back because company does not actually need to pay cash for it. It is a non-cash item.

3. Other non-cash charges usually include "Stock Based Compensation" and "Change In Deferred Tax":
However, to be conservative, GuruFocus will not add Stock Based Compensation back to net income. Kuwait Insurance Co's Change In Deferred Tax for the trailing twelve months (TTM) ended in Jun. 2026 was KWD0.00 Mil.

4. Average maintenance capital expenditure over a business/industry cycle: 5-Year Average Maintenance Capital Expenditure = KWD0.07 Mil

It is usually best to take a long-term average of maintenance capital expenditure. Ideally this would be as long as 10 years and include at least one economic downturn. However, since many companies do not have as long as 10-year history, here GuruFocus uses the latest 5 years data to do the calculation. To smooth out unusual years but reflect recent developments, we take an average of the 5 year maintenance capital expenditure.

The following shows how to get maintenance capital expenditure.

First, calculate the revenue change regarding to the previous quarter. If the revenue decreased from the previous quarter, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
Second, if the revenue increased from the previous quarter, then calculate the percentage of Net PPE as of corresponding Revenue.
Growth Capital Expenditure = Percentage of Property, Plant and Equipment as of corresponding Revenue * Revenue Increase
Third, calculate Capital Expenditure (positive) - Growth Capital Expenditure.
If [Capital Expenditure (positive) - Growth Capital Expenditure] was negative, then the Maintenance Capital Expenditure = Capital Expenditure (positive).
If [Capital Expenditure (positive) - Growth Capital Expenditure] was positive, then the Maintenance Capital Expenditure = Capital Expenditure (positive) - Growth Capital Expenditure.
Fourth, get the average of the 5 years maintenance capital expenditure.

Kuwait Insurance Co's 5-Year Average Maintenance Capital Expenditure = KWD0.07 Mil

5. "Change In Working Capital" is from cashflow statement. Kuwait Insurance Co's Change In Working Capital for the trailing twelve months (TTM) ended in Jun. 2026 was KWD4.73 Mil.
Note: GuruFocus' Change in Working Capital is provided by Morningstar. It is calculated by adding the items under "Change in operating assets and liabilities" (may refer to a different name for different company) section in Cash Flow Statement from original financial report. And sometimes it includes non-current parts of assets and liabilities.

6. Kuwait Insurance Co's Shares Outstanding (Diluted Average) for the months ended in Jun. 2026 was 238.095 Mil.

Kuwait Insurance Co's Onwer Earnings Per Share for Jun. 2026 is calculated as:

Owner Earnings per Share (TTM)
=( Net Income+Depreciation, Depletion and Amortization+Change In Deferred Tax
=( 6.231 +0.196+0
-5Y Avg of Maintenance CAPEX+Change In Working Capital )/Shares Outstanding (Diluted Average)
-0.066398927947046+4.731)/238.095
=0.05

Price-to-Owner-Earnings=Current Price/Owner Earnings per Share (TTM)
=0.44/0.05
=8.8

* 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.

What does a Owner Earnings per Share (TTM) of 0.05 mean?
Kuwait Insurance Co (KUW:KINS) has a Owner Earnings per Share (TTM) of 0.05 as of Jun. 2026. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Kuwait Insurance Co. According to the industry distribution chart, Kuwait Insurance Co ranks #213 out of 346 companies in the Insurance industry, placing it in the top 61.6%.
Is Kuwait Insurance Co's Owner Earnings per Share (TTM) too high?
Kuwait Insurance Co's current Owner Earnings per Share (TTM) is 0.05. The Insurance industry median Owner Earnings per Share (TTM) is 7.73. Kuwait Insurance Co's value of 0.05 is 99.4% below this industry median. Based on the distribution chart, Kuwait Insurance Co ranks #213 out of 346 companies in the Insurance industry, which is below the industry midpoint. Overall, Kuwait Insurance Co has a GF Score™ of 30/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Kuwait Insurance Co's Owner Earnings per Share (TTM) compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Kuwait Insurance Co ranks #213 out of 346 companies for Owner Earnings per Share (TTM). This places Kuwait Insurance Co in the lower half of its industry. The industry median Owner Earnings per Share (TTM) is 7.73. Kuwait Insurance Co's value of 0.05 is 99.4% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Owner Earnings per Share (TTM) for an Insurance company?
The median Owner Earnings per Share (TTM) among Insurance companies is 7.73, based on 346 companies in the industry. Companies in the top quartile (top 25%) have a Owner Earnings per Share (TTM) significantly above this median, while those in the bottom quartile fall well below. However, Owner Earnings per Share (TTM) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Kuwait Insurance Co's current Owner Earnings per Share (TTM) of 0.05 is 99.4% 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 Owner Earnings per Share (TTM) mean?
A high Owner Earnings per Share (TTM) can signal that a stock is expensive relative to its fundamentals. Warren Buffett defined owner earnings as reported earnings plus depreciation less average maintenance capital expenditure. View historical data on Kuwait Insurance Co. For the Insurance industry, the median Owner Earnings per Share (TTM) is 7.73 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Kuwait Insurance Co's current Owner Earnings per Share (TTM) is 0.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Kuwait Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Kuwait Insurance Co (KUW:KINS) is currently considered Fairly Valued. The stock's GF Value™ is KWD0.46, compared to a current price of KWD0.44 — trading 4.3% below its estimated fair value. The current Owner Earnings per Share (TTM) is 0.05 and 99.4% below the Insurance industry median of 7.73. Kuwait Insurance Co's overall GF Score™ is 30/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Owner Earnings per Share (TTM) calculated?
Owner Earnings per Share (TTM) is calculated from a company's financial statements. For Kuwait Insurance Co (KUW:KINS), the current Owner Earnings per Share (TTM) is 0.05 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 Kuwait Insurance Co (KUW:KINS) Overvalued in 2026?

Based on GuruFocus' analysis, Kuwait Insurance Co stock appears to be undervalued. The current stock price of KWD0.44 is trading 4.3% below its estimated GF Value™ of KWD0.46. GuruFocus considers Kuwait Insurance Co to be Fairly Valued.

Key valuation signals for KUW:KINS:

  • Owner Earnings per Share (TTM): 0.05
  • GF Value™: KWD0.46 vs. price of KWD0.44 (4.3% below fair value)
  • GF Score™: 30/100 with 4 warning signs
  • Industry Position: 99.4% below the Insurance median (#213 of 346)

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


Kuwait Insurance Co Business Description

Address Abdullah Al Salem Street, P.O. Box 769, Kuwait Insurance House, Safat, Kuwait City, KWT, 13008
Kuwait Insurance Co underwrites life and non-life insurance risks such as fire, general accidents, marine, and aviation, and others lends funds against life insurance policies, and invests in permitted securities and real estate properties. The company provides many Insurance Services required for individuals and groups, to compensate for loss of and/or damage to the insured goods during transportation from one place to another. The company has five principal reportable segments as follows: Marine and aviation, Fire, General accident, Motors, Life Insurance, and Takaful. The company generates maximum of its revenue from Life Insurance segment.
30GF Score

Get the complete analysis for KUW:KINS

Owner Earnings per Share (TTM) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KWD0.44
Price
KWD0.46
GF Value