Gulf Insurance Group K.S.C.P. (KWSE:GINS)
Kuwait
· Delayed Price · Currency is KWD · Price in KWF 0.942
+0.014 (1.51%)
At close: Dec 4, 2025
KWSE:GINS Income Statement
Financials in millions KWD. Fiscal year is January - December.
Millions KWD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2019 - 2015 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2019 - 2015 |
| Premiums & Annuity Revenue | 646.21 | 784.54 | 740.95 | 632.5 | 292.17 | 195.69 | Upgrade
|
| Total Interest & Dividend Income | 23.15 | 30.94 | 21.39 | 19.51 | 18.71 | 12.13 | Upgrade
|
| Gain (Loss) on Sale of Investments | 8.04 | 8.66 | -0.88 | 6.37 | 34.39 | 1.93 | Upgrade
|
| Other Revenue | 2.34 | 3.74 | 2.32 | 2.39 | 28 | 21.55 | Upgrade
|
| Total Revenue | 679.71 | 827.86 | 763.23 | 660.78 | 373.26 | 231.3 | Upgrade
|
| Revenue Growth (YoY) | -23.14% | 8.47% | 15.50% | 77.03% | 61.38% | 5.04% | Upgrade
|
| Policy Benefits | 465.01 | 694.86 | 676.6 | 654.41 | 203.94 | 137.54 | Upgrade
|
| Policy Acquisition & Underwriting Costs | 90.52 | 86.62 | 81.58 | 73.05 | 35.96 | 22.48 | Upgrade
|
| Amortization of Goodwill & Intangibles | - | - | - | - | 1.44 | - | Upgrade
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| Selling, General & Administrative | 36.16 | 37.2 | 27.45 | 21.26 | 65.36 | 45.48 | Upgrade
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| Other Operating Expenses | 52.82 | -37.01 | -66.39 | -136.95 | 0.52 | 0.31 | Upgrade
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| Total Operating Expenses | 644.5 | 781.67 | 719.24 | 611.78 | 307.21 | 205.82 | Upgrade
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| Operating Income | 35.21 | 46.19 | 43.99 | 48.99 | 66.05 | 25.48 | Upgrade
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| Interest Expense | -5.12 | -6.5 | -7.29 | -3.63 | -2.62 | -2.59 | Upgrade
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| Currency Exchange Gain (Loss) | 1.75 | 2.6 | 3.28 | 0.23 | - | - | Upgrade
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| Other Non Operating Income (Expenses) | 4.34 | 0.43 | 1.74 | 0.96 | -0.29 | -0.3 | Upgrade
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| EBT Excluding Unusual Items | 36.18 | 42.71 | 41.72 | 46.55 | 63.14 | 22.59 | Upgrade
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| Impairment of Goodwill | - | - | - | - | -3.93 | - | Upgrade
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| Gain (Loss) on Sale of Investments | 0.3 | 0.3 | - | - | - | - | Upgrade
|
| Gain (Loss) on Sale of Assets | - | - | -8.87 | - | - | - | Upgrade
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| Asset Writedown | 0.17 | 0.16 | 1.58 | - | -0.05 | 0.87 | Upgrade
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| Other Unusual Items | -2.31 | -4.03 | 3.4 | -3.96 | 23.46 | - | Upgrade
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| Pretax Income | 34.34 | 39.14 | 37.82 | 42.6 | 82.62 | 23.46 | Upgrade
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| Income Tax Expense | 8.57 | 7.32 | 8.29 | 5.75 | 6.12 | 3.37 | Upgrade
|
| Earnings From Continuing Ops. | 25.77 | 31.82 | 29.53 | 36.85 | 76.5 | 20.09 | Upgrade
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| Minority Interest in Earnings | -7.78 | -5.9 | -8.32 | -3.47 | -3.9 | -3.76 | Upgrade
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| Net Income | 17.99 | 25.92 | 21.21 | 33.38 | 72.6 | 16.34 | Upgrade
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| Preferred Dividends & Other Adjustments | 3.12 | 3.12 | 3.44 | - | - | - | Upgrade
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| Net Income to Common | 14.88 | 22.8 | 17.77 | 33.38 | 72.6 | 16.34 | Upgrade
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| Net Income Growth | -17.92% | 22.24% | -36.46% | -54.03% | 344.38% | 22.39% | Upgrade
|
| Shares Outstanding (Basic) | 285 | 284 | 284 | 284 | 225 | 191 | Upgrade
|
| Shares Outstanding (Diluted) | 285 | 284 | 284 | 284 | 225 | 191 | Upgrade
|
| Shares Change (YoY) | 0.15% | 0.21% | - | 26.35% | 17.32% | 2.75% | Upgrade
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| EPS (Basic) | 0.05 | 0.08 | 0.06 | 0.12 | 0.32 | 0.09 | Upgrade
|
| EPS (Diluted) | 0.05 | 0.08 | 0.06 | 0.12 | 0.32 | 0.09 | Upgrade
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| EPS Growth | -8.02% | 28.03% | -46.76% | -63.62% | 278.77% | 19.12% | Upgrade
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| Free Cash Flow | 53.78 | 12.89 | 33.45 | 13.83 | -12.55 | 44.99 | Upgrade
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| Free Cash Flow Per Share | 0.19 | 0.04 | 0.12 | 0.05 | -0.06 | 0.23 | Upgrade
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| Dividend Per Share | 0.023 | 0.023 | 0.037 | 0.054 | 0.106 | - | Upgrade
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| Dividend Growth | -37.84% | -37.84% | -31.48% | -49.06% | - | - | Upgrade
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| Operating Margin | 5.18% | 5.58% | 5.76% | 7.41% | 17.70% | 11.02% | Upgrade
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| Profit Margin | 2.19% | 2.75% | 2.33% | 5.05% | 19.45% | 7.06% | Upgrade
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| Free Cash Flow Margin | 7.91% | 1.56% | 4.38% | 2.09% | -3.36% | 19.45% | Upgrade
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| EBITDA | 43.04 | 53.16 | 50.87 | 56.09 | 69.62 | 28.54 | Upgrade
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| EBITDA Margin | 6.33% | 6.42% | 6.67% | 8.49% | 18.65% | 12.34% | Upgrade
|
| D&A For EBITDA | 7.83 | 6.98 | 6.88 | 7.1 | 3.57 | 3.06 | Upgrade
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| EBIT | 35.21 | 46.19 | 43.99 | 48.99 | 66.05 | 25.48 | Upgrade
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| EBIT Margin | 5.18% | 5.58% | 5.76% | 7.41% | 17.70% | 11.02% | Upgrade
|
| Effective Tax Rate | 24.96% | 18.69% | 21.92% | 13.49% | 7.40% | 14.35% | Upgrade
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Source: S&P Capital IQ. Insurance template. Financial Sources.