Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
KUW:WINSRE's PB Ratio is ranked better than 79.48% of 497
companies
in the Insurance industry
Industry Median: 1.4
vs KUW:WINSRE: 0.77
During the past 12 months, Warba Insurance and Reinsurance Co KSCP's average Book Value Per Share Growth Rate was 9.60% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 13.60% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 7.30% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 2.80% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Warba Insurance and Reinsurance Co KSCP was 13.60% per year. The lowest was -18.50% per year. And the median was 0.90% per year.
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.
Warba Insurance and Reinsurance Co KSCP PB Ratio Related Terms
Warba Insurance and Reinsurance Co KSCP PB Ratio 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.
Warba Insurance and Reinsurance Co KSCP PB Ratio Chart
Warba Insurance and Reinsurance Co KSCP Annual Data
KUW:WINSRE vs BRK.A, AIG, HIG: PB Ratio Comparison
For the Insurance - Diversified subindustry, Warba Insurance and Reinsurance Co KSCP'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.
Warba Insurance and Reinsurance Co KSCP PB Ratio vs Insurance Industry
Warba Insurance and Reinsurance Co KSCP PB Ratio Calculation
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.
Warba Insurance and Reinsurance Co KSCP (KUW:WINSRE) has a PB Ratio of 0.79 as of Aug. 06, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Warba Insurance and Reinsurance Co KSCP and its competitors. This is 36% above median its historical median of 0.58. Over the past decade, Warba Insurance and Reinsurance Co KSCP's PB Ratio has ranged from 0.22 to 0.98. According to the industry distribution chart, Warba Insurance and Reinsurance Co KSCP ranks #102 out of 497 companies in the Insurance industry, placing it in the top 20.5%.
Is Warba Insurance and Reinsurance Co KSCP's PB Ratio too high?
Warba Insurance and Reinsurance Co KSCP's current PB Ratio of 0.79 is 36% above median its 10-year median of 0.58. Over the past 10 years, this metric has ranged from a low of 0.22 to a high of 0.98. The Insurance industry median PB Ratio is 1.40. Warba Insurance and Reinsurance Co KSCP's value of 0.79 is 43.6% below this industry median. Based on the distribution chart, Warba Insurance and Reinsurance Co KSCP ranks #102 out of 497 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Warba Insurance and Reinsurance Co KSCP has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Warba Insurance and Reinsurance Co KSCP's PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Warba Insurance and Reinsurance Co KSCP ranks #102 out of 497 companies for PB Ratio. This places Warba Insurance and Reinsurance Co KSCP in the top 21% of its industry — outperforming the majority of peers. The industry median PB Ratio is 1.40. Warba Insurance and Reinsurance Co KSCP's value of 0.79 is 43.6% below this benchmark. Historically, Warba Insurance and Reinsurance Co KSCP's own PB Ratio has ranged from 0.22 to 0.98 over the past decade. While the company's 10-year median is 0.58 vs. the industry median of 1.40, Warba Insurance and Reinsurance Co KSCP 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 1.40, 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. Warba Insurance and Reinsurance Co KSCP's current PB Ratio of 0.79 is 43.6% 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 Warba Insurance and Reinsurance Co KSCP and its competitors. For the Insurance industry, the median PB Ratio is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Warba Insurance and Reinsurance Co KSCP's current PB Ratio is 0.79, which is 36% above median its own 10-year median of 0.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Warba Insurance and Reinsurance Co KSCP stock overvalued right now?
Based on GuruFocus' analysis, Warba Insurance and Reinsurance Co KSCP (KUW:WINSRE) is currently considered Fairly Valued. The stock's GF Value™ is KWD0.19, compared to a current price of KWD0.17 — trading 9.5% below its estimated fair value. The current PB Ratio is 0.79, which is 36% above median its 10-year median of 0.58 and 43.6% below the Insurance industry median of 1.40. Warba Insurance and Reinsurance Co KSCP's overall GF Score™ is 45/100 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 Warba Insurance and Reinsurance Co KSCP (KUW:WINSRE), the current PB Ratio is 0.79 as of Aug. 06, 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 Warba Insurance and Reinsurance Co KSCP (KUW:WINSRE) Overvalued in 2026?
Based on GuruFocus' analysis, Warba Insurance and Reinsurance Co KSCP stock appears to be undervalued.
The current stock price of KWD0.17 is trading 9.5% below its estimated GF Value™ of KWD0.19.
GuruFocus considers Warba Insurance and Reinsurance Co KSCP to be Fairly Valued.
Key valuation signals for KUW:WINSRE:
PB Ratio: 0.79 (36% above median its 10-year median of 0.58)
GF Value™: KWD0.19 vs. price of KWD0.17 (9.5% below fair value)
Industry Position: 43.6% below the Insurance median (#102 of 497)
No single metric tells the full story. See the KUW:WINSRE stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Warba Insurance and Reinsurance Co KSCP is involved in the provision of life and non-life insurance products and services. The company reports three business segments: Marine and aviation, General accidents, Fire, Motor, and Life and medical insurance. Key revenue is generated from General accidents that includes Insurance against risks of contractors, machine and computer damages and cessation of work; insurance for cash, fidelity bonds, professional risks, work accidents, civil responsibility and cars. The company's offerings include Individual Life Insurance, Medical Insurance individual, Medical Insurance Corporate and FGA Insurance Policies among others. Geographically it operates through Kuwait.
45GF Score
Get the complete analysis for KUW:WINSRE
PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
KUW:WINSRE has been successfully added to your 
