Gulf Insurance Group SJSC

Gulf Insurance Group SJSC has a liquidity position that is currently low, with a cash and equivalents balance of 30,000,000 SAR and a free cash flow of -15,846,000 SAR. The company's debt-to-equity ratio is 0.03, indicating a relatively low level of leverage. The return on equity is -1.96%, and the return on assets is -0.71%, both of which are negative and suggest poor profitability relative to its equity and asset base.

The company's profitability is weak, with a net income of -20,218,000 SAR and an operating income of -28,334,000 SAR. These figures indicate that the company is currently operating at a loss. The return on equity and return on assets are both negative, which is below the typical performance metrics for the insurance industry.

Gulf Insurance Group SJSC's revenue is primarily concentrated in Saudi Arabia, as it is a domestic insurance and asset management company. There is no indication of significant geographic diversification in the provided data. The company's revenue concentration in a single country may expose it to local economic and regulatory risks.

The company's growth trajectory is uncertain, as it is currently reporting a loss. The operating cash flow is negative at -8,680,000 SAR, and the free cash flow is also negative at -15,846,000 SAR. These figures suggest that the company is not generating sufficient cash to sustain its operations without external financing.

The risk assessment for Gulf Insurance Group SJSC indicates a low level of liquidity and dilution risk. There are no immediate filing-based liquidity or dilution flags, which suggests that the company is not currently facing significant financial distress. However, the negative net income and operating income indicate that the company may need to seek additional financing in the future.

Recent events related to Gulf Insurance Group SJSC include the latest financial report, which shows a net income of -20,218,000 SAR and an operating income of -28,334,000 SAR. The company's total assets are 2,837,570,000 SAR, and its total liabilities are 1,807,199,000 SAR. The company's financial performance has not been disclosed in any recent filings or transcripts beyond the latest financial report.

Operating income −61,1% YoY; Net income −30,9% YoY.

• ▍Operating income −61,1% YoY
• ▍Net income −30,9% YoY
• ▍Free cash flow −26,9% YoY

Operating income +105,8% YoY; Net income +57,9% YoY.

• ▍Operating income +105,8% YoY
• ▍Net income +57,9% YoY
• ▍Free cash flow +47,4% YoY

Operating income −49,4% YoY; Net income −34,9% YoY.

• ▍Operating income −49,4% YoY
• ▍Net income −34,9% YoY
• ▍Free cash flow −34,2% YoY

Operating income +184,7% YoY; Net income +234,0% YoY.

• ▍Operating income +184,7% YoY
• ▍Net income +234,0% YoY
• ▍Free cash flow +277,7% YoY

Operating income SAR 29.6M.

• ▍Operating income SAR 29.6M

Operating income SAR 20.4M.

• ▍Operating income SAR 20.4M

Operating income SAR 54.5M.

• ▍Operating income SAR 54.5M

Operating income -SAR 28.3M.

• ▍Operating income -SAR 28.3M

Operating income +159,4% YoY; Net income +28,5% YoY.

• ▍Operating income +159,4% YoY
• ▍Net income +28,5% YoY
• ▍Free cash flow +114,1% YoY

Operating income −43,3% YoY; Net income −23,6% YoY.

• ▍Operating income −43,3% YoY
• ▍Net income −23,6% YoY
• ▍Free cash flow −71,9% YoY

Operating income +202,5% YoY; Net income +707,7% YoY.

• ▍Operating income +202,5% YoY
• ▍Net income +707,7% YoY
• ▍Free cash flow +626,3% YoY

Operating income −124,2% YoY; Net income −88,5% YoY.

• ▍Operating income −124,2% YoY
• ▍Net income −88,5% YoY
• ▍Free cash flow −116,9% YoY