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Gulf Insurance GroupSAU:8250 61 Return-on-Tangible-Asset is 5.81% as of Mar. 2026, which is 39% above its 10-year median of 4.19. GuruFocus rates SAU:8250 with a GF Score™ of 61/100 and a GF Value™ of ﷼28.08 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 507 Insurance companies, Gulf Insurance Group ranks better than 73.18% 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's annualizedNet Income for the quarter that ended in Mar. 2026 was ﷼173 Mil. Gulf Insurance Group's average total tangible assets for the quarter that ended in Mar. 2026 was ﷼2,985 Mil. Therefore, Gulf Insurance Group's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 5.81%.
The historical rank and industry rank for Gulf Insurance Group's Return-on-Tangible-Asset or its related term are showing as below:
SAU:8250'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: 0.61 Med: 4.19 Max: 6.01
Current: 5.07
During the past 13 years, Gulf Insurance Group's highest Return-on-Tangible-Asset was 6.01%. The lowest was 0.61%. And the median was 4.19%.
SAU:8250's Return-on-Tangible-Asset is ranked better than 73.18% of 507
companies
in the Insurance industry
Industry Median: 2.76
vs SAU:8250: 5.07
Gulf Insurance Group (SAU:8250) 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 Return-on-Tangible-Asset Related Terms
Gulf Insurance Group Return-on-Tangible-Asset Historical Data
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The historical data trend for Gulf Insurance Group'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 Return-on-Tangible-Asset Chart
SAU:8250 vs BRK.A, AIG, HIG: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Gulf Insurance Group'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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group'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 5.81% mean?
Gulf Insurance Group (SAU:8250) has a Return-on-Tangible-Asset of 5.81% 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 and its competitors. This is 39% above median its historical median of 4.19. Over the past decade, Gulf Insurance Group's Return-on-Tangible-Asset has ranged from 0.61 to 6.01. According to the industry distribution chart, Gulf Insurance Group ranks #136 out of 507 companies in the Insurance industry, placing it in the top 26.8%.
Is Gulf Insurance Group's Return-on-Tangible-Asset too high?
Gulf Insurance Group's current Return-on-Tangible-Asset of 5.81% is 39% above median its 10-year median of 4.19. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 6.01. The Insurance industry median Return-on-Tangible-Asset is 2.76. Gulf Insurance Group's value of 5.81% is 110.5% above this industry median. Based on the distribution chart, Gulf Insurance Group ranks #136 out of 507 companies in the Insurance industry, which is above the industry midpoint. Overall, Gulf Insurance Group has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Gulf Insurance Group ranks #136 out of 507 companies for Return-on-Tangible-Asset. This puts Gulf Insurance Group in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.76. Gulf Insurance Group's value of 5.81% is 110.5% above this benchmark. Historically, Gulf Insurance Group's own Return-on-Tangible-Asset has ranged from 0.61 to 6.01 over the past decade. While the company's 10-year median is 4.19 vs. the industry median of 2.76, Gulf Insurance Group 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 2.76, based on 507 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's current Return-on-Tangible-Asset of 5.81% is 110.5% 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 and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gulf Insurance Group's current Return-on-Tangible-Asset is 5.81%, which is 39% above median its own 10-year median of 4.19. 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 stock overvalued right now?
Based on GuruFocus' analysis, Gulf Insurance Group (SAU:8250) is currently considered Modestly Overvalued. The stock's GF Value™ is ﷼28.08, compared to a current price of ﷼32.42 — trading 15.5% above its estimated fair value. The current Return-on-Tangible-Asset is 5.81%, which is 39% above median its 10-year median of 4.19 and 110.5% above the Insurance industry median of 2.76. Gulf Insurance Group's overall GF Score™ is 61/100 with 6 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 (SAU:8250), the current Return-on-Tangible-Asset is 5.81% 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 (SAU:8250) Overvalued in 2026?
Based on GuruFocus' analysis, Gulf Insurance Group stock appears to be overvalued.
The current stock price of ﷼32.42 is trading 15.5% above its estimated GF Value™ of ﷼28.08.
GuruFocus considers Gulf Insurance Group to be Modestly Overvalued.
Key valuation signals for SAU:8250:
Return-on-Tangible-Asset: 5.81% (39% above median its 10-year median of 4.19)
GF Value™: ﷼28.08 vs. price of ﷼32.42 (15.5% above fair value)
Industry Position: 110.5% above the Insurance median (#136 of 507)
No single metric tells the full story. See the SAU:8250 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gulf Insurance Group operates in the insurance industry. The company's line of business includes health, motor, marine, property, engineering, accident, liability, and protection insurance. It has various segments, which include Motor, Property and Casualty, Health, and Protection. Maximum revenue is generated from its Motor insurance segment which is intended to compensate the policyholder for damage to the vehicle or liability to third parties due to an accident.
61GF Score
Get the complete analysis for SAU:8250
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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