1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
Al Sagr Cooperative Insurance Co.

Al Sagr Cooperative Insurance Co.

TTADAWUL:8180
8.42
SAR
-0.30
(-3.44%)
-1.16EPS
353.70MMarket Cap
Al Sagr Cooperative Insurance Co.
TADAWUL:8180
(Saudi Exchange)

Recent

price

8.42

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
12.2
15.03
11.06
- -
7.65
9.4
24.09
9.51
13.83
17.61
19.06
16.07
20.46
21.99
18.45
19.25
19.6
Revenue per Share
0.94
1.51
1.32
2.38
0.59
3.97
7.85
0.98
-0.46
-2.27
-5.3
-3.51
-2.52
1.99
1.26
-2.34
-1.16
Basic EPS, GAAP
2.1
3.02
4.46
0.53
-0.11
24.29
-8.16
3.29
-0.97
0.73
-7.64
-6.17
-3.59
-0.16
0.6
-3.2
-0.72
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
0.84
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
10.5
12
13.79
16.47
16.58
19.1
23.96
22.09
20.81
18.62
13.55
10.04
7.23
9.33
13.36
11.4
11.48
Book Value per Share
8.66
10.8
12.59
15.27
15.38
19.1
23.96
22.09
19.57
17.34
12.26
8.57
5.74
7.89
12.2
10.29
10.42
Tangible Book Value per Share
21
21
21
21
21
21
21
21
21
21
21
21
21
21
25
30
30
Basic Weighted Avg Shares
259
319
235
- -
162
200
512
202
294
374
405
341
435
467
467
577
588
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1
2
- -
- -
- -
- -
- -
- -
1
2
2
4
5
4
3
7
6
Depreciation Expense
20
32
28
51
13
84
167
21
-10
-48
-112
-74
-53
42
32
-70
-35
Net Income, GAAP
22.18
14.28
17.49
- -
- -
- -
- -
- -
1,297.62
- -
- -
- -
- -
14.55
21.67
- -
- -
Effective Tax Rate (%)
7.71
10.03
11.98
- -
7.71
42.25
32.6
10.32
-3.33
-12.9
-27.79
-21.82
-12.3
9.06
6.82
-12.18
-5.94
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
2
1
- -
- -
2
3
LT Debt
223
255
293
350
352
406
509
469
442
395
288
213
153
198
401
342
344
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
9.38
13.41
10.27
- -
- -
- -
- -
4.26
-2.15
- -
- -
- -
- -
23.8
10.6
- -
- -
Return on Capital (%)
9.38
13.41
10.27
15.75
3.57
22.27
36.48
4.26
-2.15
-11.53
-32.93
-29.73
-29.15
24.06
10.64
-18.93
-9.78
Return on Common Equity (%)

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
1
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
2
3
3
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
30
30
30
Market Capitalization
290
278
354

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
285
285
265
Accounts Receivable, Net
5
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
1
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.69%
12.57%
-14.66%
Free Cash Flow
-314.68%
-284.46%
-729.49%
Net Income, GAAP
-19.74%
-117.3%
-320.72%
Sales/Revenue/Turnover
21.94%
8.55%
23.63%
Total Cash Common Dividend
- -
- -
1,200%

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
114
101
121
131
467
2025
142
145
145
145
577
2026
142
156
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.35
0.49
0.11
0.36
1.26
2025
-0.6
-0.51
-0.68
-0.55
-2.34
2026
0.03
0.04
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Similar Companies
Aditya Birla Capital Ltd. (NSE:ABCAPITAL)
Lemonade, Inc. (NYSE:LMND)
Allianz SE (XETR:ALV)
Progressive Corporation (The) (NYSE:PGR)
Turkiye Sigorta A.S. (BIST:TURSG)
Allstate Corporation (The) (NYSE:ALL)
Business
Al Sagr Cooperative Insurance Company operates primarily in the insurance industry, offering a comprehensive range of insurance products and services including health insurance, motor vehicle insurance, fire and property all risks, electronic data processing insurance, business interruption, marine cargo and hull insurance, group life, personal accident, and workman's compensation insurance. The company targets individual and corporate clients across Saudi Arabia and engages in various insurance segments, including health, motor, property, and casualty insurance. Founded in 2007 and headquartered in Al Khobar, Saudi Arabia, Al Sagr operates predominantly within the Saudi market. Recent developments include securing new contracts such as providing health insurance coverage for employees of Nasser Saeed Al Hajri & Partners for Contracting Company. The company has resumed compulsory vehicle insurance sales and won an auto insurance mandate from Al Miftah Car Rental, demonstrating active business expansion in the motor insurance segment. Additionally, Al Sagr Cooperative Insurance Company has been involved in strategic legal actions concerning former board members and has continued to manage its financial performance amid challenges, with a reported drop in net profits but growth in gross written premiums in recent periods. The company also received approval from the Saudi Capital Market Authority to increase its capital by way of rights issue, signaling efforts to strengthen its capital base for future growth. Al Sagr maintains a varied product portfolio with over 48 different insurance products designed to meet diverse customer needs, emphasizing comprehensive risk coverage for individuals and businesses including mandated insurance products required by Saudi regulations. Its operations reflect a strategic focus on broadening insurance service offerings and consolidating market presence through partnerships and expanded client engagements in the Gulf region. The company remains a key player in Saudi Arabia’s cooperative insurance sector with ongoing enhancements in product offerings and business development initiatives.