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  3. •

    Insurance brokers/Services
Saudi Arabian Cooperative Insurance Co.

Saudi Arabian Cooperative Insurance Co.

TTADAWUL:8100
8.46
SAR
-0.31
(-3.53%)
0.35EPS
30.38P/E
318.00MMarket Cap
Saudi Arabian Cooperative Insurance Co.
TADAWUL:8100
(Saudi Exchange)

Recent

price

8.46

P/E

ratio

30.38

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
24.6
24.41
15.29
18.31
22.82
27.19
19.48
19.39
21.64
22.83
19.3
20.18
23.16
27.34
23.47
24.73
31.66
Revenue per Share
-0.42
-0.35
0.64
-1.2
0.81
1.32
1.94
1.73
-0.43
-0.35
1.58
-2.09
-2.05
2.37
1.64
0.74
0.35
Basic EPS, GAAP
1.66
0.25
2.04
3.2
3.44
1.79
1.05
0.71
4.28
-3.88
-0.68
-1.5
-0.23
-0.42
5.72
0.1
6.37
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
3.21
2.87
3.5
2.3
3.11
8.24
9.94
11.36
10.69
10.35
11.88
9.73
7.85
10.45
12.73
13.84
14.37
Book Value per Share
3.21
2.87
3.5
2.3
3.11
8.24
9.81
11.24
10.69
10.1
11.56
9.35
7.45
10.01
12.34
13.33
13.88
Tangible Book Value per Share
22
22
22
22
22
24
30
30
30
30
30
30
30
30
30
30
30
Basic Weighted Avg Shares
553
548
343
411
513
663
585
582
649
685
579
605
695
820
704
742
950
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
10.96
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
2
3
4
5
4
3
4
- -
- -
4
4
3
3
4
8
6
5
Depreciation Expense
-9
-8
14
-27
18
32
58
52
-13
-11
47
-63
-62
71
49
22
10
Net Income, GAAP
- -
- -
13.2
- -
9.88
12.22
12.6
- -
- -
- -
17.82
- -
- -
9.24
8.64
22
35.66
Effective Tax Rate (%)
-1.7
-1.41
4.16
-6.55
3.55
4.87
9.95
8.93
-2
-1.55
8.17
-10.35
-8.87
8.67
7
2.99
1.1
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
72
64
79
52
70
247
298
341
321
311
357
292
235
314
382
415
431
Total Equity
- -
- -
- -
- -
- -
- -
19.07
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
19.98
- -
29.95
20.37
21.33
- -
- -
- -
14.19
- -
- -
25.9
14.18
5.56
2.48
Return on Capital (%)
-12.21
-11.36
19.98
-41.33
29.95
20.37
21.33
16.25
-3.94
-3.37
14.19
-19.32
-23.38
25.9
14.18
5.56
2.48
Return on Common Equity (%)

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
30
30
30
Market Capitalization
332
257
318

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
253
361
297
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.68%
5.25%
8.74%
Free Cash Flow
-127.35%
-288.23%
-98.26%
Net Income, GAAP
-115.39%
-106.99%
-55.03%
Sales/Revenue/Turnover
1.79%
5.72%
5.37%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
176
165
183
181
704
2025
174
182
198
188
742
2026
257
306
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.11
0.73
0.4
0.41
1.64
2025
0.47
0.45
0.25
-0.44
0.74
2026
0.44
0.1
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Saudi Arabian Cooperative Insurance Company (SAICO) provides all classes of general insurance products in Saudi Arabia. The company offers motor insurance covering losses and liability related to motor vehicles excluding transport; medical insurance providing health care cover; fire and burglary insurance protecting against fire and related risks; marine insurance for cargo in transit and ships against marine perils; engineering insurance covering loss or damage to construction works, plant, and machinery erection; and public liability insurance for legal liability arising from premises, business operations, or projects. It also provides personal, SME, and corporate insurance including travel, visitor visa extension, home, medical malpractice, personal accidents, marine cargo, property, hull, group life, aviation, energy, and unified medical document services to individuals, small and medium-sized enterprises, commercial institutions, factories, and corporations. Founded in 1950 and headquartered in Riyadh, Saudi Arabia, SAICO operates primarily in the domestic market with over 70 years of experience, more than 45 insurance products, a 98.6% claims settlement rate, and ISO certifications. The company reported earnings for the second quarter and six months ended June 30, 2025, reflecting ongoing operations amid sector-wide profit declines, with no major acquisitions, partnerships, funding rounds, or strategic shifts announced in the past 1-2 years.