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    Insurance - Reinsurance
Saudi Enaya Cooperative Insurance Company

Saudi Enaya Cooperative Insurance Company

8311.SR
Saudi Enaya Cooperative Insurance CompanySA flagSaudi Exchange
10.95
SAR
+0.04
- -
251.85MMarket Cap
Saudi Enaya Cooperative Insurance Company
8311.SR
(Saudi Exchange)

Recent

price

10.95

P/E

ratio

- -

div

yld

- -

ROIC.AI

2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
0.06
- -
2.29
3.43
9.63
25.57
42.99
9.95
16.22
11.37
15.42
10.51
9.74
7.08
6.12
Revenue per Share
-2.37
- -
-3.24
-7.47
-3.71
-2.08
-16.36
-10.02
-2.58
-3.79
-0.42
0.8
-1.06
-0.26
-0.28
Basic EPS, GAAP
-3.03
- -
-3.42
-4.16
-2.45
3.57
-7.74
-10.55
-2.18
0.57
-3.5
-0.77
-1.81
-1.54
-0.5
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
25.57
- -
18.06
28.76
24.66
22.25
9.6
14.08
10.95
3.31
11.17
7.42
6.37
6.1
6.1
Book Value per Share
25.46
- -
17.27
27.83
24.19
22.05
9.53
14
10.94
3.31
11.25
7.49
6.45
6.15
6.15
Tangible Book Value per Share
14
- -
14
7
7
7
6
11
11
16
15
25
25
25
25
Basic Weighted Avg Shares
1
- -
32
24
67
178
248
105
179
186
232
266
247
179
155
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
- -
8
-7
6
2
2
2
3
4
2
2
2
2
2
Depreciation Expense
-33
- -
-45
-52
-26
-15
-94
-106
-28
-62
-6
20
-27
-7
-7
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2.23
- -
599.18
606.64
Effective Tax Rate (%)
-4,255.03
- -
-141.58
-217.44
-38.52
-8.15
-38.05
-100.68
-15.89
-33.36
-2.74
7.59
-10.84
-3.73
-4.63
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
2
2
1
- -
2
1
1
LT Debt
356
300
252
200
172
155
56
149
122
55
170
191
164
157
157
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
-16.4
-23.02
-13.88
-8.89
-89.65
-103.85
-21.06
-70.93
-5.73
11.36
-15.31
-4.24
-4.53
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
2
1
1
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
23
23
23
Market Capitalization
234
176
223

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
210
151
171
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.83%
29.65%
-4.49%
Free Cash Flow
-124.23%
-149.66%
-14.89%
Net Income, GAAP
-30.28%
-139.43%
-74.97%
Sales/Revenue/Turnover
40.61%
1.8%
-27.33%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
64
61
62
60
247
2025
58
51
37
33
179
2026
34
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
-0.12
0.03
-0.6
- -
-1.06
2025
0.02
0.01
0.03
- -
-0.26
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Saudi Enaya Cooperative Insurance Company provides health insurance services to individuals and businesses in the Kingdom of Saudi Arabia. Founded in 2011 and headquartered in Jeddah, the company primarily underwrites medical insurance products; offers specialized services including Enaya Ambassadors, Enaya Doctors, telehealth, home care, chronic care, and elderly care; and operates corporate, SME, and visa insurance plans through online platforms, a mobile app, and a network of healthcare providers. It focuses exclusively on the health insurance segment, regulated by the Saudi Insurance Authority and Council of Cooperative Health Insurance, with operations confined to the Kingdom of Saudi Arabia. In August 2025, Saudi Enaya signed a binding merger agreement with Salama Cooperative Insurance Company, under which Enaya merges into Salama with the transfer of all its assets, liabilities, rights, and contracts in exchange for new Salama shares; the deal received Insurance Authority approval in November 2025 and Capital Market Authority clearance for Salama's related capital increase to SAR 489 million in December 2025.