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Gulf Insurance Group KSCKUW:GINS +7.41%52 Return-on-Tangible-Equity is 16.05% as of Jun. 2026, which is 2% below its 10-year median of 16.30. GuruFocus rates KUW:GINS with a GF Score™ of 52/100 and a GF Value™ of KWD1.25 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 491 Insurance companies, Gulf Insurance Group KSC ranks better than 52.14% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Gulf Insurance Group KSC's annualized net income for the quarter that ended in Jun. 2026 was KWD43.0 Mil. Gulf Insurance Group KSC's average shareholder tangible equity for the quarter that ended in Jun. 2026 was KWD268.2 Mil. Therefore, Gulf Insurance Group KSC's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 16.05%.
The historical rank and industry rank for Gulf Insurance Group KSC's Return-on-Tangible-Equity or its related term are showing as below:
KUW:GINS'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 9.95 Med: 16.3 Max: 49.61
Current: 14.24
During the past 13 years, Gulf Insurance Group KSC's highest Return-on-Tangible-Equity was 49.61%. The lowest was 9.95%. And the median was 16.30%.
KUW:GINS's Return-on-Tangible-Equity is ranked better than 52.14% of 491
companies
in the Insurance industry
Industry Median: 13.8
vs KUW:GINS: 14.24
Gulf Insurance Group KSC (KUW:GINS) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Gulf Insurance Group KSC Return-on-Tangible-Equity Related Terms
Gulf Insurance Group KSC Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Gulf Insurance Group KSC's Return-on-Tangible-Equity 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-Equity Chart
KUW:GINS vs CB, PGR, TRV: Return-on-Tangible-Equity Comparison
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's Return-on-Tangible-Equity 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-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 16.05% mean?
Gulf Insurance Group KSC (KUW:GINS) has a Return-on-Tangible-Equity of 16.05% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Gulf Insurance Group KSC and its competitors. This is near median its historical median of 16.30. Over the past decade, Gulf Insurance Group KSC's Return-on-Tangible-Equity has ranged from 9.95 to 49.61. According to the industry distribution chart, Gulf Insurance Group KSC ranks #235 out of 491 companies in the Insurance industry, placing it in the top 47.9%.
Is Gulf Insurance Group KSC's Return-on-Tangible-Equity too high?
Gulf Insurance Group KSC's current Return-on-Tangible-Equity of 16.05% is near median its 10-year median of 16.30. Over the past 10 years, this metric has ranged from a low of 9.95 to a high of 49.61. The Insurance industry median Return-on-Tangible-Equity is 13.80. Gulf Insurance Group KSC's value of 16.05% is 16.3% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #235 out of 491 companies in the Insurance industry, which is above the industry midpoint. Overall, Gulf Insurance Group KSC has a GF Score™ of 52/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's Return-on-Tangible-Equity compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #235 out of 491 companies for Return-on-Tangible-Equity. This puts Gulf Insurance Group KSC in the upper half of its industry. The industry median Return-on-Tangible-Equity is 13.80. Gulf Insurance Group KSC's value of 16.05% is 16.3% above this benchmark. Historically, Gulf Insurance Group KSC's own Return-on-Tangible-Equity has ranged from 9.95 to 49.61 over the past decade. While the company's 10-year median is 16.30 vs. the industry median of 13.80, 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-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.80, based on 491 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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-Equity of 16.05% is 16.3% 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-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Gulf Insurance Group KSC and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.80 — 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-Equity is 16.05%, which is near median its own 10-year median of 16.30. 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 Modestly Overvalued. The stock's GF Value™ is KWD1.25, compared to a current price of KWD1.45 — trading 16% above its estimated fair value. The current Return-on-Tangible-Equity is 16.05%, which is near median its 10-year median of 16.30 and 16.3% above the Insurance industry median of 13.80. Gulf Insurance Group KSC's overall GF Score™ is 52/100 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-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Gulf Insurance Group KSC (KUW:GINS), the current Return-on-Tangible-Equity is 16.05% 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 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 KWD1.45 is trading 16% above its estimated GF Value™ of KWD1.25.
GuruFocus considers Gulf Insurance Group KSC to be Modestly Overvalued.
Key valuation signals for KUW:GINS:
Return-on-Tangible-Equity: 16.05% (near median its 10-year median of 16.30)
GF Value™: KWD1.25 vs. price of KWD1.45 (16% above fair value)
Industry Position: 16.3% above the Insurance median (#235 of 491)
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.
52GF Score
Get the complete analysis for KUW:GINS
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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