Gulf Insurance Group (8250) Fair Value & Analysis
Financial Services · SA · Market cap 1.7B SAR
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from 31.25 SAR to 30.68 SAR (−1.8%) since Jul 31, 2026. Share price +5.8% over the past month.
A solid business, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 18.38 SAR – 35.74 SAR · fair‑value band 23.01 SAR – 38.34 SAR · the 32.54 SAR price screens above the 30.68 SAR fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Gulf Insurance Group (8250) currently trades at 32.54 SAR, while our model-based Fair Value estimate is 30.68 SAR, implying the stock looks roughly 5.7% fairly valued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Gulf Insurance Group generated revenue of 1.7B SAR at a net margin of 8.5%. Revenue grew 22.8% year over year. It earns a return on equity of 12.0%. The balance sheet holds a net cash position of 66.5M SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 23.01 SAR (bear case) to 38.34 SAR (bull case); at 32.54 SAR, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 6% below its 52-week high and 63% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -33% fair-value upside, at -6%, 8250 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (31.25 SAR) versus Dividend Discount (13.49 SAR). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 56 · Market factors (momentum, volatility) 82
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Gulf Insurance Group provides insurance and reinsurance products and services for corporates, SMEs, and individual customers in the Kingdom of Saudi Arabia. It operates through Motor, Property and Casualty, Health, and Protection segments. The company offers car, travel, home, and motorcycle insurance products for individuals.
Full company description
Gulf Insurance Group provides insurance and reinsurance products and services for corporates, SMEs, and individual customers in the Kingdom of Saudi Arabia. It operates through Motor, Property and Casualty, Health, and Protection segments. The company offers car, travel, home, and motorcycle insurance products for individuals. It also provides group healthcare, life, business travel, group personal accident, business secure, motor fleet, marine, liability, property, and engineering insurance products for businesses. The company was formerly known as AXA Cooperative Insurance Company and changed its name to Gulf Insurance Group in June 2022. The company was founded in 2008 and is headquartered in Riyadh, the Kingdom of Saudi Arabia. Gulf Insurance Group is a subsidiary of Gulf Insurance Group (Gulf) B.S.C.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Gulf Insurance Group reported revenue of 1.4B SAR in FY2025 versus 1.4B SAR in FY2021, a compound −0.1%/yr. Reported net income was 126M SAR in FY2025, compounding −4.9%/yr from FY2021.
of which total revenue +3.9 pp · buybacks/dilution −1.1 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
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Peer Group
Insurance - Diversified · 82 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,429 MXN | +22% |
| Allianz SE ALV | €437.80 | €266.04 | -39% |
| Zurich Insurance Group ZURN | CHF 589.20 | CHF 392.99 | -33% |
| AXA SA AXAN | 888.28 MXN | 623.98 MXN | -30% |
| Assicurazioni Generali S.p.A G | €43.88 | €13.91 | -68% |
| BB Seguridade Participações S.A BBSE3 | R$36.95 | R$33.94 | -8% |
| Tryg A/S TRYG | kr 151.70 | kr 67.88 | -55% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,175 IDR | 4,617 IDR | -77% |
| ICICI Lombard General Insurance Company ICICIGI | ₹1,635 | ₹589.67 | -64% |
| The New India Assurance Company NIACL | ₹181.09 | ₹128.57 | -29% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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