Gulf Insurance Group

SAU:8250Financial ServicesTADAWUL:TISItasi

SAR 28.32−0.28%At closeAt close · Mon 19 Oct · ≈ AED 27.73 · Market cap $399.56M · Next earnings Mon 2 Nov

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	91.1%	89.7%	82.3%	82.6%	84.2%	83.9%	—	—
Operating margin	13.7%	13.4%	2.3%	10.3%	9.1%	11.5%	11.5%	+0.0 pts
Net margin	11.6%	11.4%	1.1%	8.5%	7.1%	9.3%	9.3%	+0.0 pts
EBITDA margin	14.9%	14.6%	7.9%	11.9%	10.3%	12.6%	—	—
Return on equity	17.8%	15.5%	1.7%	12.1%	9.0%	10.5%	10.5%	+0.0 pts
Return on assets	5.6%	5.6%	0.6%	4.3%	3.5%	4.2%	4.2%	+0.0 pts
Return on capital employed	11.9%	10.0%	1.3%	9.5%	6.6%	5.1%	—	—
Debt / equity	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Debt / assets	0.8%	0.7%	0.7%	1.0%	1.0%	0.8%	—	—
Interest coverage	262.0×	226.2×	46.6×	0.0×	0.0×	0.0×	—	—
Current ratio	1.0×	1.3×	16.6×	0.2×	0.0×	109.3×	109.3×	+0.0%
Quick ratio	1.0×	1.3×	16.6×	0.2×	3.3×	109.3×	—	—
Cash ratio	0.3×	0.1×	3.8×	0.2×	0.2×	19.7×	19.7×	+0.0%
Asset turnover	0.5×	0.5×	0.6×	0.5×	0.5×	0.4×	—	—
Inventory turnover	—	—	—	—	−0.1×	—	—	—
Receivables turnover	—	39.8×	38.1×	24.3×	45.7×	3.3×	—	—
Dividend payout	0.0%	0.0%	314.2%	19.5%	80.2%	49.9%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

ⓘ

Current snapshot ratios have no reporting date and are shown separately from fiscal periods.