Gulf Insurance Group (TADAWUL:8250)

Gulf Insurance Group Financials Overview

Financials in millions SAR. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	1,780	1,605	1,571	1,670	1,546	1,367
Revenue Growth	13.18%	2.16%	-5.89%	7.97%	13.12%	2.12%
Operating Income Operating Income Growth	192.61	180.26	170.1	203.63	48.57	167.54
Net Income Net Income Growth	147.43	126.19	98.2	128.53	15.91	138.52
Earnings Per Share EPS Growth	2.81	2.40	1.87	2.45	0.30	2.64
EPS Growth	15.91%	28.51%	-23.60%	707.68%	-88.51%	0%

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Motor Motor Growth	866.07	659.35	624.06	714.43	724.31	703.79
Health Health Growth	261.27	330.95	428.13	422.93	405.2	383.8
Property and Casualty Property and Casualty Growth	485.59	422.66	334.13	357.7	287.39	174.66
Protection Protection Growth	65.04	90.8	77.21	69.69	66.09	35.9
Unallocated Investment Income Unallocated Investment Income Growth	-	96.33	92.35	95.64	63.42	44.06
Total Total Growth	1,776	1,600	1,556	1,660	1,546	1,366

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	200.79	90.47	155.91	228.79	334.59	89.52
Total Debt Total Debt Growth	24.07	24	26.54	30.09	16.94	19.41
Net Cash (Debt) Net Cash Growth	176.72	66.47	129.37	198.7	317.65	70.11
Net Cash Growth	62.52%	-48.62%	-34.89%	-37.45%	353.04%	-77.33%
Net Cash Per Share Net Cash Per Share Growth	3.37	1.27	2.46	3.78	6.05	1.34

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	355.9	63.75	71.17	178.48	78.94	113.45
Capital Expenditures CapEx Growth	-1.43	-3.42	-1.75	-2	-2	-4.62
Free Cash Flow Free Cash Flow Growth	354.47	60.33	69.43	176.48	76.95	108.82
Free Cash Flow Growth	259.32%	-13.10%	-60.66%	129.35%	-29.29%	-57.88%

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	10.82%	11.23%	10.83%	12.20%	3.14%	12.26%
Pretax Margin	10.42%	9.69%	7.98%	9.31%	2.16%	12.20%
Profit Margin	8.28%	7.86%	6.25%	7.70%	1.03%	10.13%
FCF Margin	19.91%	3.76%	4.42%	10.57%	4.98%	7.96%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	1.200	1.200	1.200	1.500	0.476	0.952
Dividend Per Share Growth	0%	0%	-20.00%	214.99%	-50.00%	-
Dividend Yield	3.81%	5.86%	4.15%	6.59%	2.39%	3.67%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 4, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	11.43	8.90	16.95	10.74	77.30	11.91
Forward PE	15.51	16.58	16.58	10.43	11.13	14.20
P/FCF Ratio	4.75	18.61	23.97	7.82	15.99	15.16
PS Ratio	0.95	0.70	1.06	0.83	0.80	1.21

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 1, 2026

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