MEDGULFبوبا العربية للتأمين
- Price
- 14.65 SAR
- Fair value
- 8.78 SAR
- Discount to fair value
- −67%
- Mkt cap
- 2.02B
- P/E
- 49.3×
- P/B
- 1.27×
- EV
- 1.56B
- ROE
- 2.6%
- Net margin
- 1.0%
Current price14.65SAR
Fair value (est., median)8.78SAR
UndervaluedFair valueOvervalued
+66.8% above fair valueWould need to fall ~40.1% to reach fair value.
Median ofDCF 30.42Graham 8.78Earnings Power 3.36
Health Check
39.9
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Healthy balance sheet.
Risks
- Trades 66.9% above estimated fair value.
- Low fair-value confidence — methods disagree or data is thin.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for details
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 4 years · FY2022–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 2.22B | 2.89B | 3.35B | 4.10B | — |
| Net Income | -396.87M | 201.47M | 101.99M | 41.06M | 57.67M |
| Net Margin | -17.9% | 7.0% | 3.0% | 1.0% | — |
| Operating Cash Flow | 191.17M | 67.75M | -53.53M | 4.97M | — |
| OCF Margin | 8.6% | 2.3% | -1.6% | 0.1% | — |
| Capital Expenditure | 26.80M | 13.73M | 4.76M | 32.26M | — |
| Free Cash Flow | 164.36M | 54.02M | -58.28M | -27.29M | — |
| FCF Margin | 7.4% | 1.9% | -1.7% | -0.7% | — |
| FCF Conversion | 41.4% | 26.8% | -57.1% | -66.5% | — |
| EPS (Diluted) | -2.87/sh | 1.46/sh | 0.74/sh | 0.30/sh | 0.42/sh |
| Dividend / Share | — | — | — | — | — |
Dividend return (if you buy today)
This company doesn’t currently pay a dividend, so there’s no income return to project. The fair-value gauge above covers the price side.
Dividend history
Dividend / share & historical yield (SAR).
No dividend history — this company doesn’t currently pay a dividend.
Quarterly dividends & yield
Per-share dividends by quarter, full-year total, and yield on the year's average price · SAR
| Year | Q1 | Q2 | Q3 | Q4 | Full year | Yield (avg) |
|---|---|---|---|---|---|---|
| 2026 | — | — | — | — | — | — |
| 2025 | — | — | — | — | — | — |
| 2024 | — | — | — | — | — | — |
| 2023 | — | — | — | — | — | — |
| 2022 | — | — | — | — | — | — |
Corporate actions
SReverse Split
0.875×2021-04-27
SReverse Split
0.4×2017-09-25
SStock Split
1.25×2013-06-03
DCash Dividend
3.00 /sh2012-04-01
DCash Dividend
1.88 /sh2011-05-09
DCash Dividend
1.13 /sh2010-04-06
Valuation breakdown
Fair value = median of the applicable methods (DCF، Graham، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
30.42
Dividend Discount Model
Excluded — company pays no dividend
N/A
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
8.78
Residual Income (justified P/B)
Excluded — needs positive book value
N/A
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
3.36
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)8.78
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 8.81%
- CAPM cost of equity
- 8.85%
- Risk-free rate
- 4.50%
- Equity risk premium
- 6.00%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 5
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in MEDGULF regularly?
Starting year
- Invested
- 1K/yr · 17K total(2010 → today · 17 yrs)
- your value today is
- 11.6K SAR
- Total return
- -31.5%(+4.6% Dividends · -36.1% Capital gain)
- Annualised (IRR)
- -5.2%
Invested17KSAR
Dividends781SAR
Capital gain-6.1KSAR
InvestedCapital gainDividendstap a bar for figures
Community Notes0
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