First Takaful Insurance Co KCSC (KUW:FTI) ROE %: -0.93% (As of Mar. 2026)

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KUW:FTI First Takaful Insurance Co KCSC KUW:FTI
16 GF Score
Price KWD0.21
GF Value KWD0.18
Valuation Modestly Overvalued
! 2 Warning Signs
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What is First Takaful Insurance Co KCSC ROE %?

First Takaful Insurance Co KCSC KUW:FTI 16 ROE % is -0.93% as of Mar. 2026. GuruFocus rates KUW:FTI with a GF Score™ of 16/100 and a GF Value™ of KWD0.18 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 501 Insurance companies, First Takaful Insurance Co KCSC ranks worse than 91.62% on this metric.

ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. First Takaful Insurance Co KCSC's annualized net income for the quarter that ended in Mar. 2026 was KWD-0.12 Mil. First Takaful Insurance Co KCSC's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was KWD12.50 Mil. Therefore, First Takaful Insurance Co KCSC's annualized ROE % for the quarter that ended in Mar. 2026 was -0.93%.

The historical rank and industry rank for First Takaful Insurance Co KCSC's ROE % or its related term are showing as below:

KUW:FTI' s ROE % Range Over the Past 10 Years
Min: -68   Med: 1.21   Max: 12.57
Current: -0.32

During the past 13 years, First Takaful Insurance Co KCSC's highest ROE % was 12.57%. The lowest was -68.00%. And the median was 1.21%.

KUW:FTI's ROE % is ranked worse than
91.62% of 501 companies
in the Insurance industry
Industry Median: 11.64 vs KUW:FTI: -0.32

First Takaful Insurance Co KCSC  (KUW:FTI) ROE % Explanation

ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.

The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:

ROE %(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=-0.116/12.498
=(Net Income / Revenue )*(Revenue / Total Assets)*(Total Assets / Total Stockholders Equity)
=(-0.116 / 0.076)*(0.076 / 15.889)*(15.889 / 12.498)
=Net Margin %*Asset Turnover*Equity Multiplier
=-152.63 %*0.0048*1.2713
=ROA %*Equity Multiplier
=-0.73 %*1.2713
=-0.93 %

With this breakdown, it is clear that if a company grows its Net Profit Margin, its Asset Turnover, or its Leverage, it can grow its ROE %.

The factors that affect a company's ROE % can also be illustrated with the five-step DuPont Analysis:

ROE %(Q: Mar. 2026 )
=Net Income/Total Stockholders Equity
=-0.116/12.498
=(Net Income / Pre-Tax Income) * (Pre-Tax Income / EBIT) * (EBIT / Revenue) * (Revenue / Total Assets) * (Total Assets / Total Stockholders Equity)
= (-0.116 / -0.116) * (-0.116 / 0) * (0 / 0.076) * (0.076 / 15.889) * (15.889 / 12.498)
= Tax Burden * Interest Burden * EBIT Margin % * Asset Turnover * Equity Multiplier
= 1 * N/A * 0 % * 0.0048 * 1.2713
=-0.93 %

Note: The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.

* 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.


Be Aware

Net Income is used.

Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.


First Takaful Insurance Co KCSC ROE % Related Terms


First Takaful Insurance Co KCSC ROE % Historical Data

* Premium members only.

The historical data trend for First Takaful Insurance Co KCSC's ROE % 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.

First Takaful Insurance Co KCSC ROE % Chart

First Takaful Insurance Co KCSC Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.80 1.62 -2.44 -1.89 0.01

First Takaful Insurance Co KCSC Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.25 -1.34 1.30 -0.17 -0.93

KUW:FTI vs BRK.A, AIG, HIG: ROE % Comparison

For the Insurance - Diversified subindustry, First Takaful Insurance Co KCSC's ROE %, along with its competitors' market caps and ROE % 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.


First Takaful Insurance Co KCSC ROE % vs Insurance Industry

For the Insurance industry and Financial Services sector, First Takaful Insurance Co KCSC's ROE % distribution charts can be found below:

* The bar in red indicates where First Takaful Insurance Co KCSC's ROE % falls into.


KUW:FTI
16GF Score
First Takaful Insurance Co KCSC KUW:FTI
ROE % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

First Takaful Insurance Co KCSC ROE % Calculation

First Takaful Insurance Co KCSC's annualized ROE % for the fiscal year that ended in Dec. 2025 is calculated as

ROE %=Net Income (A: Dec. 2025 )/( (Total Stockholders Equity (A: Dec. 2024 )+Total Stockholders Equity (A: Dec. 2025 ))/ count )
=0.001/( (9.572+9.597)/ 2 )
=0.001/9.5845
=0.01 %

First Takaful Insurance Co KCSC's annualized ROE % for the quarter that ended in Mar. 2026 is calculated as

ROE %=Net Income (Q: Mar. 2026 )/( (Total Stockholders Equity (Q: Dec. 2025 )+Total Stockholders Equity (Q: Mar. 2026 ))/ count )
=-0.116/( (9.597+15.399)/ 2 )
=-0.116/12.498
=-0.93 %

* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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. ROE % is displayed in the 30-year financial page.

Frequently Asked Questions Learn more about ROE % →
What does a ROE % of -0.93% mean?
First Takaful Insurance Co KCSC (KUW:FTI) has a ROE % of -0.93% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Takaful Insurance Co KCSC and its competitors. According to the industry distribution chart, First Takaful Insurance Co KCSC ranks #459 out of 501 companies in the Insurance industry, placing it in the top 91.6%.
Is First Takaful Insurance Co KCSC's ROE % too high?
First Takaful Insurance Co KCSC's current ROE % is -0.93%. Based on the distribution chart, First Takaful Insurance Co KCSC ranks #459 out of 501 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, First Takaful Insurance Co KCSC has a GF Score™ of 16/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Takaful Insurance Co KCSC's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, First Takaful Insurance Co KCSC ranks #459 out of 501 companies for ROE %. This places First Takaful Insurance Co KCSC in the lower half of its industry. The industry median ROE % is 11.64. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on First Takaful Insurance Co KCSC and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Takaful Insurance Co KCSC's current ROE % is -0.93%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Takaful Insurance Co KCSC stock overvalued right now?
Based on GuruFocus' analysis, First Takaful Insurance Co KCSC (KUW:FTI) is currently considered Modestly Overvalued. The stock's GF Value™ is KWD0.18, compared to a current price of KWD0.21 — trading 16.7% above its estimated fair value. The current ROE % is -0.93%. First Takaful Insurance Co KCSC's overall GF Score™ is 16/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For First Takaful Insurance Co KCSC (KUW:FTI), the current ROE % is -0.93% 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 First Takaful Insurance Co KCSC (KUW:FTI) Overvalued in 2026?

Based on GuruFocus' analysis, First Takaful Insurance Co KCSC stock appears to be overvalued. The current stock price of KWD0.21 is trading 16.7% above its estimated GF Value™ of KWD0.18. GuruFocus considers First Takaful Insurance Co KCSC to be Modestly Overvalued.

Key valuation signals for KUW:FTI:

  • ROE %: -0.93%
  • GF Value™: KWD0.18 vs. price of KWD0.21 (16.7% above fair value)
  • GF Score™: 16/100 with 2 warning signs

No single metric tells the full story. See the KUW:FTI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


First Takaful Insurance Co KCSC Business Description

Address Al Qibla - Abdullah Al-Mubarak Street, 1st Floor, Office No. 6, P.O. Box 5713, Souq Al-Safat Building, Kuwait, KWT, 13058
First Takaful Insurance Co KCSC is engaged in carrying out all types of insurance takaful activities and related activities, including insurance and reinsurance, and investing the funds available to the company in various activities. The company's product line consists of life and medical, fire and general accidents, motor, marine, and aviation. Geographically, the company provides its services only to the Kuwait market.
16GF Score

Get the complete analysis for KUW:FTI

ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

KWD0.21
Price
KWD0.18
GF Value