1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
Arabia Insurance Cooperative Co.

Arabia Insurance Cooperative Co.

TTADAWUL:8160
6.60
SAR
-0.30
(-4.35%)
-1.54EPS
469.58MMarket Cap
2013 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
17.79
15.86
14.14
11.26
9.04
8.85
8.41
8.88
10.5
15.57
13.78
10.9
12.46
15.06
Basic EPS, GAAP
-3.61
0.07
-0.36
0.29
0.54
0.12
-1.45
0.24
-0.19
0.25
1.25
0.57
-0.85
-1.54
Free Cash Flow per Basic Share
0.02
0.02
-1.26
-0.82
-1.34
0.16
-1.44
-0.95
-1.13
4.32
1.41
-0.55
2.2
-2.82
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
2.27
2.26
5.38
8.34
8.57
8.71
7.37
7.58
8.03
4.58
10.56
11.41
10.77
10.28
Tangible Book Value per Share
2.27
2.26
5.38
8.34
8.57
8.71
7.37
7.58
8.03
4.58
10.56
11.27
10.63
10.15
Basic Weighted Avg Shares
28
29
29
29
29
29
29
29
29
29
53
53
53
53
Sales/Revenue/Turnover
501
464
414
330
263
257
246
260
307
456
731
578
660
798
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
- -
4
4
5
5
5
8
9
8
Net Income, GAAP
-102
2
-10
8
16
3
-42
7
-6
7
66
30
-45
-81
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
- -
45.9
1,140.09
38.28
13.11
23.77
- -
- -
Profit Margin (%)
-20.31
0.41
-2.51
2.56
6.01
1.33
-17.18
2.72
-1.79
1.59
9.07
5.22
-6.84
-10.21
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
6
5
3
1
4
3
1
3
Total Equity
64
64
238
244
251
255
216
222
235
243
560
605
571
545
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
3
- -
- -
- -
- -
- -
3.2
-3.08
3.03
16.53
5.13
- -
- -
Return on Common Equity (%)
-88.11
3
-6.91
3.5
6.39
1.35
-17.97
3.23
-2.41
3.04
16.52
5.18
-7.68
-14.03

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
2
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
1
4
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
53
53
53
Market Capitalization
492
425
470

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
189
176
234
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
2
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.68%
28.46%
-5.61%
Free Cash Flow
-228.58%
-229.36%
-503.87%
Net Income, GAAP
-152.69%
19.94%
-249.87%
Sales/Revenue/Turnover
7.86%
24.02%
14.27%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
170
146
129
133
578
2025
136
160
173
192
660
2026
223
210
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.16
0.27
0.28
-0.1
0.57
2025
0.08
0.1
0.02
-1.05
-0.85
2026
-0.28
-0.23
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Ziyad Mohammad Al-Rubaish
Full Time Employees
200
Sector
Finance
Industry
Multi-line insurance
Address
Bin Tami Center Riyadh Riyadh Province Saudi Arabia 11323
IPO Date
Oct 27, 2007
Website
aicc.com.sa
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Business
Arabia Insurance Cooperative Company (TADAWUL:8160) provides a comprehensive range of cooperative insurance products and services to individual and corporate clients in the Kingdom of Saudi Arabia. The company operates through six primary segments: Medical Insurance, which covers medical costs, medicines, and related services and supplies; Motor Insurance for vehicle protection; Fire Insurance; Engineering Insurance, including coverage for builder’s risks, construction projects, mechanical, electrical, electronic equipment, and machinery breakdown; Marine Insurance for goods in transit, cargo, hulls, and inland transportation vehicles; and Other Insurance encompassing property, casualty, liability, personal accident, fidelity guarantee, and protection and savings products. It maintains a strong focus on health and group insurance programs that enhance employee benefits and risk management for businesses, alongside engineering and marine solutions tailored for contractors and traders. Founded in 2007 and headquartered at Bin Tami Center, Al Worood District, King Abdulaziz Road in Riyadh, Saudi Arabia, the company serves the property and casualty insurance sector with operations concentrated in the Kingdom and regional affiliations across eight countries. Arabia Insurance Cooperative Company emphasizes preventive risk awareness campaigns and innovative coverage, holding a B+ financial strength rating from international assessors. In June 2025, the company signed a non-binding memorandum of understanding with United Cooperative Assurance Company to explore a potential merger through a share swap transaction, with the agreement valid for up to 12 months pending definitive terms and regulatory approvals. This strategic initiative represents its most significant recent development amid ongoing efforts to strengthen market position in Saudi Arabia's competitive insurance landscape.