1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
United Cooperative Assurance Co.

United Cooperative Assurance Co.

TTADAWUL:8190
3.38
SAR
+0.03
(+0.90%)
-3.98EPS
134.00MMarket 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
31.3
28.24
21.12
18.3
6.5
4.53
3.34
4.67
5.68
7.99
16.41
18.85
16.32
11.31
Basic EPS, GAAP
-2.63
-2.7
-1.4
2.77
1
-1.6
0.21
-1.1
-1.84
-1.39
0.13
-0.38
-6.41
-3.98
Free Cash Flow per Basic Share
1.05
-1.1
7.37
-4.9
-2.58
-1.52
-0.75
-2.63
-0.35
-0.03
0.23
-0.8
-4.82
-3.54
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
7.96
5.17
7.37
9.74
10.53
9.02
9.42
8.38
7.69
6.4
6.63
6.71
0.61
0.42
Tangible Book Value per Share
5.32
2.53
5.41
7.78
8.57
7.06
7.46
6.3
5.49
4.13
4.09
3.97
-2.15
-2.32
Basic Weighted Avg Shares
30
30
38
40
40
40
40
40
40
40
40
40
40
40
Sales/Revenue/Turnover
930
839
797
732
260
181
134
187
227
319
656
754
653
452
Operating Margin (%)
- -
- -
- -
28.93
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
5
4
3
2
2
1
2
5
7
7
7
10
16
12
Net Income, GAAP
-78
-80
-53
111
40
-64
9
-44
-74
-55
5
-15
-256
-159
Effective Tax Rate (%)
- -
- -
- -
- -
- -
- -
48.32
- -
- -
- -
44.66
- -
- -
- -
Profit Margin (%)
-8.42
-9.57
-6.65
15.16
15.47
-35.44
6.4
-23.47
-32.4
-17.37
0.81
-2
-39.26
-35.18
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
19
- -
- -
- -
- -
- -
- -
6
6
6
4
1
- -
5
Total Equity
236
153
295
390
421
361
377
335
308
256
265
268
25
17
Return on Invested Capital (%)
- -
- -
- -
88.43
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
32.43
9.91
- -
2.32
- -
- -
- -
2.01
- -
- -
- -
Return on Common Equity (%)
-27.11
-41.23
-23.65
32.43
9.91
-16.42
2.32
-12.33
-22.92
-19.68
2.03
-5.64
-174.96
-174.06

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
5
5
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
40
40
40
Market Capitalization
149
119
134

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
96
76
153
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
-9.17%
-22.21%
-90.84%
Free Cash Flow
-103.86%
-196.32%
503.77%
Net Income, GAAP
-20.81%
230.21%
1,601.89%
Sales/Revenue/Turnover
7.97%
33.81%
-13.47%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
182
177
198
197
754
2025
172
177
154
149
653
2026
88
61
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.13
0.01
-0.01
-0.5
-0.38
2025
-0.58
-2.04
-1.68
-2.1
-6.41
2026
-0.17
-0.02
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Marwan Mohammed Abdulmoueen Al Hazmi
Full Time Employees
220
Sector
Finance
Industry
Multi-line insurance
Address
Othman Bin Affan Road Riyadh Makkah Province Saudi Arabia 13323
IPO Date
Mar 8, 2008
Website
uca.com.sa
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
United Cooperative Assurance Company (UCA; 8190.SR) provides cooperative insurance and reinsurance products to individuals and businesses in the Kingdom of Saudi Arabia. Founded in 2008 and headquartered in Riyadh, the company operates through segments including medical, motor, energy, engineering, and others; it offers non-life insurance products such as medical covering consultations, hospitalizations, surgeries, dental treatments, vaccinations, maternity care, and repatriation costs; motor insurance for accidental loss, damage, theft, and third-party liability; energy insurance for upstream and midstream oil and gas activities including all risks property, cargo, loss of revenue, well control, environmental liability, and pollution cleanup; engineering insurance encompassing contractors all risks, erection all risks, machinery breakdown, contractors plant and machinery, electronic equipment, and loss of profits; property insurance against fire, lightning, explosion, riots, earthquake, storm, flood, and burglary with business interruption extensions; marine hull and cargo under institute clauses; general accident including fidelity guarantee, money, personal accident, product liability, and professional indemnity; liability and workers compensation under Saudi labor law; aviation; and trade credit insurance. UCA maintains branches across major Saudi regions including Jeddah, Dammam, Makkah, Tabuk, Khamis Mushait, and Al-Qassim, with a paid-up capital of SAR 400 million and Sharia-compliant governance overseen by a Sharia Committee. In recent developments, UCA signed a non-binding memorandum of understanding with Arabia Insurance Cooperative Company in June 2025 to explore a potential merger through a share swap transaction, receiving no-objection from the General Authority for Competition in September 2025; however, in October 2025, the Insurance Authority suspended UCA from issuing or renewing mandatory insurances such as health, vehicle, and domestic worker policies due to regulatory violations.