1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
Gulf Union Alahlia Cooperative Insurance Co.

Gulf Union Alahlia Cooperative Insurance Co.

TTADAWUL:8120
12.17
SAR
-0.18
(-1.46%)
-0.31EPS
611.78MMarket Cap
2012 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
9.67
9.25
6.03
7.62
11.2
11.2
20.91
25.85
23.04
11.24
13.61
16.14
20.35
19.08
Basic EPS, GAAP
0.21
-0.24
0.48
1.27
0.03
0.14
-1.66
-2.5
-5.25
-0.47
2.72
0.95
-1.82
-0.31
Free Cash Flow per Basic Share
0.39
1.46
-0.89
3.28
2.74
0.11
1.07
0.62
-6.06
-2.16
2.78
1.09
-2.02
-2.69
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
6
5.27
4.93
5.68
- -
- -
8.22
10.12
7.54
9.05
11.94
13.66
12.4
12.43
Tangible Book Value per Share
4.09
5.27
4.93
5.68
- -
- -
8.04
5.82
3.41
6.59
9.54
11.24
10.22
10.37
Basic Weighted Avg Shares
26
26
26
18
18
18
18
18
27
39
46
46
46
46
Sales/Revenue/Turnover
249
238
155
134
197
197
368
472
620
433
624
741
934
876
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1
- -
- -
- -
- -
- -
5
4
13
14
17
18
20
18
Net Income, GAAP
5
-6
12
22
1
3
-29
-46
-141
-18
125
44
-84
-14
Effective Tax Rate (%)
20.63
- -
- -
- -
- -
- -
- -
- -
- -
- -
1.57
15.34
- -
- -
Profit Margin (%)
2.16
-2.64
7.95
16.67
0.26
1.29
-7.93
-9.66
-22.78
-4.22
20.02
5.89
-8.96
-1.61
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
28
- -
- -
- -
- -
- -
8
8
7
5
7
4
3
3
Total Equity
155
116
127
147
- -
- -
145
272
203
415
548
627
569
571
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.13
- -
- -
- -
- -
- -
- -
- -
- -
- -
25.59
7.37
- -
- -
Return on Common Equity (%)
3.55
-4.65
10.18
16.33
- -
- -
- -
-21.87
-59.42
-5.92
25.96
7.43
-13.99
-2.49

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
3
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
3
6
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
46
46
46
Market Capitalization
483
475
612

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
198
241
203
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
3
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
23.26%
-9.22%
Free Cash Flow
-178.36%
-436.96%
-285.14%
Net Income, GAAP
-182.68%
-203.45%
-291.6%
Sales/Revenue/Turnover
- -
18.02%
26.04%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
159
168
196
217
741
2025
225
240
233
235
934
2026
216
192
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.15
0.25
0.12
0.95
2025
-0.87
-0.61
-0.37
0.02
-1.82
2026
0.09
-0.05
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Mesheal bin Ibrahim Saleh Al Shayea
Full Time Employees
328
Sector
Finance
Industry
Multi-line insurance
Address
Salman Al Farisi Street Dammam Eastern Province Saudi Arabia 32221
IPO Date
May 19, 2007
Website
gulfunion.com.sa
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Business
Gulf Union Alahlia Cooperative Insurance Company is a Saudi Arabia-based insurer that provides a diverse range of insurance products and services primarily within the Kingdom of Saudi Arabia, with operations in cities such as Dammam, Riyadh, Jeddah, and Al Khobar. The company offers motor insurance; outpatient clinic treatment charges; property insurance; marine cargo insurance; engineering insurance; burglary insurance; comprehensive general liability insurance; employers’ liability insurance; fidelity guarantee; money insurance; public and products liability insurance; workmen’s compensation; group life and accident insurance; and reinsurance products. It operates through Medical, Motor, Property and Casualty, and Protections and Savings business segments. Founded in 2007 and headquartered in Dammam, Gulf Union Alahlia changed its name from Gulf Union Cooperative Insurance Company in December 2020. In recent developments, the company sought to increase its capital from SAR 458.9 million to SAR 687.2 million through a securities exchange offer intended to merge Gulf General Cooperative Insurance Company into Gulf Union Alahlia, transferring all Gulf General assets and liabilities; however, this merger proposal was canceled. Gulf Union Alahlia renewed a major health insurance deal representing over 5% of its gross written premiums and received Sharia compliance certification in 2025. The company also launched a mobile application to enhance customer access to insurance policies, benefits, and claims. Gulf Union Alahlia operates within the diversified insurance industry and targets individual and corporate customers requiring comprehensive insurance products across Saudi Arabia’s insurance market.