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  3. •

    Multi-line insurance
Company for Cooperative Insurance

Company for Cooperative Insurance

TTADAWUL:8010
75.60
SAR
-3.50
(-4.42%)
4.38EPS
22.37P/E
22.04BMarket Cap
Oct 29Next Earn
Company for Cooperative Insurance
TADAWUL:8010
(Saudi Exchange)

Recent

price

75.60

P/E

ratio

22.37

div

yld

0.00%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
35.47
14.8
19.28
22.62
22.75
26.63
31.91
34.98
32.91
32.16
32.79
37.13
44.39
61.61
73.96
87.56
94.62
Revenue per Share
2.16
1.95
1.42
-2.63
2.49
2.66
3.56
-0.65
-1.24
1.61
1.97
1.28
1.34
2.74
4.55
4.91
4.38
Basic EPS, GAAP
1.89
1.28
1.88
0.87
3.28
3.76
2.83
3.72
-1.68
1.06
-6.95
3.98
4.94
6.65
10.61
-1.53
4.42
Free Cash Flow per Basic Share
0.89
0.67
1.16
- -
- -
0.64
0.44
2.22
- -
- -
- -
0.43
- -
0.55
0.66
1.01
- -
Dividend per Share
9.43
9.11
9.52
7.29
9.23
10.26
13.01
9.45
8.04
11.11
12.49
13.05
13.92
16.1
19.94
23.84
25.22
Book Value per Share
9.43
9.11
9.52
7.29
9.23
10.26
13.01
9.42
8.02
11.09
12.45
12.98
13.86
16.05
19.1
21.87
22.73
Tangible Book Value per Share
225
225
225
225
225
225
225
225
225
225
225
225
225
225
225
224
224
Basic Weighted Avg Shares
7,981
3,330
4,338
5,089
5,118
5,993
7,180
7,870
7,405
7,235
7,379
8,354
9,988
13,861
16,628
19,653
21,237
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
12.22
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
15
16
14
12
10
14
18
29
30
31
31
32
47
51
111
189
176
Depreciation Expense
485
439
320
-591
560
598
801
-147
-279
362
444
289
302
616
1,022
1,103
984
Net Income, GAAP
5.35
7.35
9.03
- -
7
6.83
8.51
- -
- -
17.09
21.44
22.44
22.83
14.12
10.74
10.07
11.4
Effective Tax Rate (%)
6.08
13.19
7.37
-11.61
10.94
9.99
11.16
-1.86
-3.77
5
6.02
3.46
3.03
4.45
6.15
5.61
4.63
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
47
39
51
119
138
- -
LT Debt
1,769
2,049
2,143
1,641
2,076
2,309
2,928
2,126
1,808
2,500
2,809
2,936
3,133
3,622
4,478
5,358
5,668
Total Equity
- -
- -
- -
- -
- -
- -
25.61
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
30.45
23
15.25
- -
30.14
27.29
30.59
- -
- -
16.8
15.55
9.54
9.98
18.01
24.92
21.07
17.9
Return on Capital (%)
30.45
23
15.25
-31.24
30.14
27.29
30.59
-5.8
-14.2
16.8
16.72
10.06
9.96
18.25
25.23
22.43
18.51
Return on Common Equity (%)

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
555
565
573
LT Borrowings
- -
- -
- -
LT Finance Leases
138
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
225
225
225
Market Capitalization
17,527
19,174
22,036

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,776
1,677
1,866
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
555
565
573
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
10.52%
14.02%
19.63%
Free Cash Flow
-120.98%
-30.67%
-114.39%
Net Income, GAAP
-5.33%
29.48%
7.93%
Sales/Revenue/Turnover
13.29%
21.94%
18.19%
Total Cash Common Dividend
- -
- -
52.61%

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,945
4,003
4,303
4,345
16,628
2025
4,726
4,814
4,829
5,284
19,653
2026
5,294
5,830
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.87
2.04
0.88
0.75
4.55
2025
1.16
2.08
0.77
0.89
4.91
2026
1.28
1.43
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.66
2025
- -
- -
- -
- -
1.01
2026
- -
- -
- -
- -
- -
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Business
The Company for Cooperative Insurance operates as a leading insurance provider in Saudi Arabia, offering a broad range of insurance and reinsurance products and services. Its main offerings include medical insurance, medical Umrah insurance for pilgrims, motor insurance including third party liability insurance for foreign vehicles, property and casualty insurance covering fire, engineering, marine, aviation, energy, and general accidents. The company also provides travel insurance including COVID-19 related coverages, general accident insurance focused on Hajj and Umrah pilgrims, protection and savings products, and consulting services related to insurance and healthcare operations. It serves both individual and corporate clients primarily within the Kingdom of Saudi Arabia. Founded in 1986 and headquartered in Riyadh, The Company for Cooperative Insurance has expanded its operations in the insurance sector with recent strategic developments including plans to launch a reinsurance firm, Riyadh Re, with an approved capital of SAR 550 million. The company completed a treasury share buyback in mid-2025 and secured significant contracts like providing health insurance services to the National Water Company. It reported increased profits in recent financial results, reflecting strong market performance and strategic growth initiatives. The company operates across multiple segments including medical, motor, property and casualty, travel and COVID-19 insurance, and protection and savings. It has developed extensive capabilities in underwriting specialized insurance products such as medical malpractice, aviation, energy sectors and Hajj & Umrah insurance. The company also engages in partnership and capital enhancement activities aligned with its growth strategy in the Saudi insurance market. Overall, The Company for Cooperative Insurance stands as a comprehensive multi-line insurer with a robust product portfolio, geographic focus on Saudi Arabia, ongoing expansion through reinsurance services, and consistent financial growth evidenced by recent earnings and capital initiatives. Its operations span a wide scope of insurance needs catering to diverse customer segments including individuals, pilgrims, and commercial enterprises across key industries in the Kingdom.