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The historical rank and industry rank for Gulf Insurance Group KSC's PB Ratio or its related term are showing as below:
KUW:GINS'
s PB Ratio Range Over the Past 10 Years
Min: 0.62 Med: 1.22 Max: 2.15
Current: 0.9
During the past 13 years, Gulf Insurance Group KSC's highest PB Ratio was 2.15. The lowest was 0.62. And the median was 1.22.
KUW:GINS's PB Ratio is ranked better than 74.25% of 497
companies
in the Insurance industry
Industry Median: 1.39
vs KUW:GINS: 0.90
During the past 12 months, Gulf Insurance Group KSC's average Book Value Per Share Growth Rate was 6.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 3.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 11.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 13.40% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Gulf Insurance Group KSC was 29.40% per year. The lowest was -18.50% per year. And the median was 3.80% per year.
Back to Basics: PB Ratio
Gulf Insurance Group KSC (KUW:GINS) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
* 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.
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's PB Ratio distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Gulf Insurance Group KSC (KUW:GINS) has a PB Ratio of 0.91 as of Jul. 22, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Gulf Insurance Group KSC and its competitors. This is 25% below median its historical median of 1.22. Over the past decade, Gulf Insurance Group KSC's PB Ratio has ranged from 0.62 to 2.15. According to the industry distribution chart, Gulf Insurance Group KSC ranks #128 out of 497 companies in the Insurance industry, placing it in the top 25.8%.
Is Gulf Insurance Group KSC's PB Ratio too high?
Gulf Insurance Group KSC's current PB Ratio of 0.91 is 25% below median its 10-year median of 1.22. Over the past 10 years, this metric has ranged from a low of 0.62 to a high of 2.15. The Insurance industry median PB Ratio is 1.39. Gulf Insurance Group KSC's value of 0.91 is 34.5% below this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #128 out of 497 companies in the Insurance industry, which is above 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 PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #128 out of 497 companies for PB Ratio. This puts Gulf Insurance Group KSC in the upper half of its industry. The industry median PB Ratio is 1.39. Gulf Insurance Group KSC's value of 0.91 is 34.5% below this benchmark. Historically, Gulf Insurance Group KSC's own PB Ratio has ranged from 0.62 to 2.15 over the past decade. While the company's 10-year median is 1.22 vs. the industry median of 1.39, Gulf Insurance Group KSC 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.39, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gulf Insurance Group KSC's current PB Ratio of 0.91 is 34.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Gulf Insurance Group KSC and its competitors. For the Insurance industry, the median PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gulf Insurance Group KSC's current PB Ratio is 0.91, which is 25% below median its own 10-year median of 1.22. 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 KWD1.13, compared to a current price of KWD1.05 — trading 7% below its estimated fair value. The current PB Ratio is 0.91, which is 25% below median its 10-year median of 1.22 and 34.5% below the Insurance industry median of 1.39. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Gulf Insurance Group KSC (KUW:GINS), the current PB Ratio is 0.91 as of Jul. 22, 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 KWD1.05 is trading 7% below its estimated GF Value™ of KWD1.13.
GuruFocus considers Gulf Insurance Group KSC to be Fairly Valued.
Key valuation signals for KUW:GINS:
PB Ratio: 0.91 (25% below median its 10-year median of 1.22)
GF Value™: KWD1.13 vs. price of KWD1.05 (7% below fair value)
Industry Position: 34.5% below the Insurance median (#128 of 497)
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
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