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Gulf Insurance Group KSCKUW:GINS 66 Return-on-Tangible-Asset is 4.11% as of Mar. 2026, which is 78% above its 10-year median of 2.31. GuruFocus rates KUW:GINS with a GF Score™ of 66/100 and a GF Value™ of KWD1.13 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 505 Insurance companies, Gulf Insurance Group KSC ranks worse than 51.88% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Gulf Insurance Group KSC's annualizedNet Income for the quarter that ended in Mar. 2026 was KWD52.0 Mil. Gulf Insurance Group KSC's average total tangible assets for the quarter that ended in Mar. 2026 was KWD1,265.1 Mil. Therefore, Gulf Insurance Group KSC's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 4.11%.
The historical rank and industry rank for Gulf Insurance Group KSC's Return-on-Tangible-Asset or its related term are showing as below:
KUW:GINS'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 1.96 Med: 2.31 Max: 7.57
Current: 2.55
During the past 13 years, Gulf Insurance Group KSC's highest Return-on-Tangible-Asset was 7.57%. The lowest was 1.96%. And the median was 2.31%.
KUW:GINS's Return-on-Tangible-Asset is ranked worse than 51.88% of 505
companies
in the Insurance industry
Industry Median: 2.88
vs KUW:GINS: 2.55
Gulf Insurance Group KSC (KUW:GINS) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Gulf Insurance Group KSC Return-on-Tangible-Asset Related Terms
Gulf Insurance Group KSC Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Gulf Insurance Group KSC's Return-on-Tangible-Asset 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.
Gulf Insurance Group KSC Return-on-Tangible-Asset Chart
KUW:GINS vs CB, PGR, TRV: Return-on-Tangible-Asset Comparison
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 4.11% mean?
Gulf Insurance Group KSC (KUW:GINS) has a Return-on-Tangible-Asset of 4.11% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Gulf Insurance Group KSC and its competitors. This is 78% above median its historical median of 2.31. Over the past decade, Gulf Insurance Group KSC's Return-on-Tangible-Asset has ranged from 1.96 to 7.57. According to the industry distribution chart, Gulf Insurance Group KSC ranks #262 out of 505 companies in the Insurance industry, placing it in the top 51.9%.
Is Gulf Insurance Group KSC's Return-on-Tangible-Asset too high?
Gulf Insurance Group KSC's current Return-on-Tangible-Asset of 4.11% is 78% above median its 10-year median of 2.31. Over the past 10 years, this metric has ranged from a low of 1.96 to a high of 7.57. The Insurance industry median Return-on-Tangible-Asset is 2.88. Gulf Insurance Group KSC's value of 4.11% is 42.7% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #262 out of 505 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's Return-on-Tangible-Asset compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #262 out of 505 companies for Return-on-Tangible-Asset. This places Gulf Insurance Group KSC in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.88. Gulf Insurance Group KSC's value of 4.11% is 42.7% above this benchmark. Historically, Gulf Insurance Group KSC's own Return-on-Tangible-Asset has ranged from 1.96 to 7.57 over the past decade. While the company's 10-year median is 2.31 vs. the industry median of 2.88, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.88, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Gulf Insurance Group KSC's current Return-on-Tangible-Asset of 4.11% is 42.7% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Gulf Insurance Group KSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gulf Insurance Group KSC's current Return-on-Tangible-Asset is 4.11%, which is 78% above median its own 10-year median of 2.31. 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 Significantly Overvalued. The stock's GF Value™ is KWD1.13, compared to a current price of KWD2.71 — trading 139.6% above its estimated fair value. The current Return-on-Tangible-Asset is 4.11%, which is 78% above median its 10-year median of 2.31 and 42.7% above the Insurance industry median of 2.88. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Gulf Insurance Group KSC (KUW:GINS), the current Return-on-Tangible-Asset is 4.11% as of Mar. 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 overvalued.
The current stock price of KWD2.71 is trading 139.6% above its estimated GF Value™ of KWD1.13.
GuruFocus considers Gulf Insurance Group KSC to be Significantly Overvalued.
Key valuation signals for KUW:GINS:
Return-on-Tangible-Asset: 4.11% (78% above median its 10-year median of 2.31)
GF Value™: KWD1.13 vs. price of KWD2.71 (139.6% above fair value)
Industry Position: 42.7% above the Insurance median (#262 of 505)
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
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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