Gulf Insurance Group KSCKUW:GINS 62 ROE % is 15.90% as of Mar. 2026, which is 22% above its 10-year median of 12.99. GuruFocus rates KUW:GINS with a GF Score™ of 62/100 and a GF Value™ of KWD1.13 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 507 Insurance companies, Gulf Insurance Group KSC ranks worse than 58.38% on this metric.
The historical rank and industry rank for Gulf Insurance Group KSC's ROE % or its related term are showing as below:
KUW:GINS'
s ROE % Range Over the Past 10 Years
Min: 7.25 Med: 12.99 Max: 37.37
Current: 9.86
During the past 13 years, Gulf Insurance Group KSC's highest ROE % was 37.37%. The lowest was 7.25%. And the median was 12.99%.
KUW:GINS's ROE % is ranked worse than 58.38% of 507
companies
in the Insurance industry
Industry Median: 11.69
vs KUW:GINS: 9.86
Gulf Insurance Group KSC (KUW:GINS) 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:
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.
* 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.
For the Insurance - Property & Casualty subindustry, Gulf Insurance Group KSC'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.
Gulf Insurance Group KSC ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Gulf Insurance Group KSC's ROE % distribution charts can be found below:
* The bar in red indicates where Gulf Insurance Group KSC's ROE % 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 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.
Gulf Insurance Group KSC (KUW:GINS) has a ROE % of 15.90% 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 Gulf Insurance Group KSC and its competitors. This is 22% above median its historical median of 12.99. Over the past decade, Gulf Insurance Group KSC's ROE % has ranged from 7.25 to 37.37. According to the industry distribution chart, Gulf Insurance Group KSC ranks #296 out of 507 companies in the Insurance industry, placing it in the top 58.4%.
Is Gulf Insurance Group KSC's ROE % too high?
Gulf Insurance Group KSC's current ROE % of 15.90% is 22% above median its 10-year median of 12.99. Over the past 10 years, this metric has ranged from a low of 7.25 to a high of 37.37. The Insurance industry median ROE % is 11.69. Gulf Insurance Group KSC's value of 15.90% is 36% above this industry median. Based on the distribution chart, Gulf Insurance Group KSC ranks #296 out of 507 companies in the Insurance industry, which is below the industry midpoint. Overall, Gulf Insurance Group KSC has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gulf Insurance Group KSC's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Gulf Insurance Group KSC ranks #296 out of 507 companies for ROE %. This places Gulf Insurance Group KSC in the lower half of its industry. The industry median ROE % is 11.69. Gulf Insurance Group KSC's value of 15.90% is 36% above this benchmark. Historically, Gulf Insurance Group KSC's own ROE % has ranged from 7.25 to 37.37 over the past decade. While the company's 10-year median is 12.99 vs. the industry median of 11.69, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.69, based on 507 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. Gulf Insurance Group KSC's current ROE % of 15.90% is 36% 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 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 Gulf Insurance Group KSC and its competitors. For the Insurance industry, the median ROE % is 11.69 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Gulf Insurance Group KSC's current ROE % is 15.90%, which is 22% above median its own 10-year median of 12.99. 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 KWD1.13, compared to a current price of KWD1.40 — trading 23.8% above its estimated fair value. The current ROE % is 15.90%, which is 22% above median its 10-year median of 12.99 and 36% above the Insurance industry median of 11.69. Gulf Insurance Group KSC's overall GF Score™ is 62/100 with 5 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 Gulf Insurance Group KSC (KUW:GINS), the current ROE % is 15.90% 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 KWD1.40 is trading 23.8% above its estimated GF Value™ of KWD1.13.
GuruFocus considers Gulf Insurance Group KSC to be Modestly Overvalued.
Key valuation signals for KUW:GINS:
ROE %: 15.90% (22% above median its 10-year median of 12.99)
GF Value™: KWD1.13 vs. price of KWD1.40 (23.8% above fair value)
Industry Position: 36% above the Insurance median (#296 of 507)
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.
62GF Score
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