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    Life/Health insurance
Bupa Arabia for Cooperative Insurance Co.

Bupa Arabia for Cooperative Insurance Co.

TTADAWUL:8210
128.20
SAR
-3.90
(-2.95%)
6.88EPS
25.44P/E
26.24BMarket Cap
Nov 03Next Earn
Bupa Arabia for Cooperative Insurance Co.
TADAWUL:8210
(Saudi Exchange)

Recent

price

128.20

P/E

ratio

25.44

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
SAR
12.78
12.91
14.39
17.71
30.91
45.06
52.1
52.35
55.74
64.28
73.34
72.74
89.59
109.77
125.3
133.91
142.57
Revenue per Share
0.47
0.28
0.9
0.99
2.01
4.3
4.21
4.1
2.96
3.97
4.66
4.18
5.37
6.27
7.77
7.19
6.88
Basic EPS, GAAP
1.26
1.94
2.26
3.55
11.13
8.46
4.67
3.18
6.32
7.42
10.2
2.9
11.23
14.91
8.81
-1.92
-2.68
Free Cash Flow per Basic Share
- -
- -
- -
0.27
0.13
- -
1.07
0.8
1.07
1.2
- -
2.73
3.6
3.6
4
4
- -
Dividend per Share
4.11
3.48
4.23
4.87
7.01
11.11
13.51
15.48
17.28
20.3
26.02
27.73
28.01
31.17
34.12
37.82
37.5
Book Value per Share
3.29
2.83
3.57
4.22
6.36
10.46
12.86
14.56
16.24
19.27
24.95
26.63
26.92
30.07
32.99
36.64
36.32
Tangible Book Value per Share
150
149
149
149
150
150
150
150
150
149
149
150
150
150
150
150
150
Basic Weighted Avg Shares
1,918
1,930
2,151
2,640
4,625
6,758
7,798
7,831
8,334
9,606
10,948
10,878
13,438
16,465
18,794
20,087
21,335
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
16.47
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
12
11
14
13
12
14
15
17
22
48
47
46
50
56
59
73
83
Depreciation Expense
71
42
134
147
301
645
631
613
443
594
696
626
805
940
1,166
1,079
1,029
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
15.76
16.68
15.48
14.39
16.93
15.81
15.05
13.86
15.72
Effective Tax Rate (%)
3.69
2.19
6.25
5.58
6.51
9.55
8.09
7.83
5.31
6.18
6.36
5.75
5.99
5.71
6.2
5.37
4.82
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
90
136
125
185
166
145
264
244
LT Debt
493
522
634
731
1,051
1,667
2,027
2,322
2,591
3,045
3,903
4,160
4,201
4,676
5,118
5,673
5,624
Total Equity
- -
- -
- -
- -
- -
- -
66.68
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
15.22
8.32
23.24
21.58
33.8
47.47
34.15
28.2
18.02
20.74
19.41
15.03
18.57
20.49
23.16
19.34
17.77
Return on Capital (%)
15.22
8.32
23.24
21.58
33.8
47.47
34.15
28.2
18.02
21.07
20.04
15.52
19.26
21.18
23.81
20
18.37
Return on Common Equity (%)

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
264
263
244
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
150
150
150
Market Capitalization
20,835
26,400
26,235

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,853
3,147
3,584
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
13.26%
7.83%
10.84%
Free Cash Flow
16.38%
17.45%
-121.79%
Net Income, GAAP
7.05%
10.38%
-7.45%
Sales/Revenue/Turnover
11.79%
13.29%
6.88%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
4,538
4,755
4,733
4,890
18,794
2025
4,580
4,922
- -
5,502
20,087
2026
5,386
5,525
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.4
2.7
2.38
0.31
7.77
2025
2.53
1.91
- -
0.33
7.19
2026
2.58
2.05
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4
2025
- -
- -
- -
- -
4
2026
- -
- -
- -
- -
- -
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Business
Bupa Arabia for Cooperative Insurance Company (8210.SR) operates as a leading provider of health insurance in the Kingdom of Saudi Arabia, offering comprehensive medical coverage tailored to corporate, small and medium enterprises, families, individuals, and domestic workers. The company delivers a range of products including Bupa Corporate schemes such as Gold, Silver, Bronze, and Blue with coverage from SAR 500,000 to SAR 37,500,000; Bupa Business plans like Diamond, Gold, Silver, Bronze, Blue, Green, and White up to SAR 600,000; Bupa Family options encompassing Gold, Silver, Bronze, and Blue from SAR 75,000 to SAR 250,000; individual expatriate coverage under Basic Green; and domestic helper schemes including Bronze and White, all compliant with Council of Cooperative Health Insurance (CCHI) guidelines and featuring specialized programs like Tebtom and Rahatkom. Founded in 1997 through a joint venture between Bupa Group and Nazer Group and headquartered in Jeddah, Bupa Arabia functions as a publicly listed, Saudi-owned entity on the Tadawul exchange following its 2008 IPO, with operations spanning the Kingdom through offices in key regions. In recent developments, Bupa Arabia has expanded its healthcare delivery via Bupa CareConnect, its integrated arm launched in 2024, which provides digital clinics, home healthcare, on-site clinics, and plans for its first physical clinic in Riyadh by late 2025, alongside adopting a value-based care model. The company secured Insurance Authority approval in August 2025 for a new product, won contracts including health insurance for Saudi National Bank and a renewal with Sabic, and formed strategic digital health partnerships such as with GOQii, Comarch, Nuralogix, We Healthify, NEOM, and Oura for preventive analytics. Additionally, Bupa Arabia participated as a strategic investor in Global Ventures Fund II and introduced Saudi Arabia's first no-pre-approval health insurance model in 2025, with plans to add 15-20 hospitals to the network.