1. Saudi Arabia Stocks

  2. •

    Finance

  3. •

    Property/Casualty insurance
Al Rajhi Co. for Cooperative Insurance

Al Rajhi Co. for Cooperative Insurance

TTADAWUL:8230
44.18
SAR
-0.86
(-1.91%)
10.38BMarket Cap
Nov 04Next Earn
2011 Y
2012 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
4.15
4.23
5.62
7.95
14.31
14.84
13.73
12.19
11.93
12.48
18.85
25.88
22.73
- -
Basic EPS, GAAP
-0.2
- -
0.21
0.5
1.01
0.92
0.48
1.27
0.54
0.36
1.64
1.66
2.27
- -
Free Cash Flow per Basic Share
0.55
0.08
1.28
2.81
4.42
0.76
0.62
1.68
0.72
2.19
4.76
-2.91
-2.66
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
3.35
3.33
1.7
2.15
2.99
3.84
4.38
5.56
6.63
6.64
8.61
10.4
12.68
13.9
Tangible Book Value per Share
3.35
3.33
1.63
2.08
2.99
3.84
4.38
5.56
6.63
6.64
8.27
9.57
11.25
12.41
Basic Weighted Avg Shares
163
163
183
200
200
200
200
200
200
200
200
200
200
200
Sales/Revenue/Turnover
678
690
1,029
1,589
2,861
2,969
2,745
2,438
2,387
2,497
3,771
5,176
4,547
- -
Operating Margin (%)
- -
- -
- -
8.15
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
3
5
9
9
8
8
14
16
23
32
38
43
26
- -
Net Income, GAAP
-33
-1
38
99
202
184
96
253
109
72
328
332
455
- -
Effective Tax Rate (%)
- -
173.5
10.11
10.5
- -
9.57
19.15
8.92
13.48
12.4
2.8
- -
2.96
- -
Profit Margin (%)
-4.85
-0.08
3.72
6.23
7.05
6.21
3.49
10.39
4.55
2.9
8.7
6.42
10.01
- -
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
7
43
47
42
36
32
25
34
Total Equity
109
109
341
429
598
768
875
1,112
1,327
1,327
1,723
2,080
2,536
2,780
Return on Invested Capital (%)
- -
- -
- -
29.06
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-0.53
17.02
25.72
39.27
26.97
11.61
24.86
8.56
5.25
20.89
- -
19.42
- -
Return on Common Equity (%)
-26.04
-0.53
17.02
25.72
39.27
26.97
11.66
25.48
8.9
5.45
21.51
17.48
19.71
- -

Capital Structure

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
7
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
25
26
34
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
200
200
200
Market Capitalization
7,780
10,570
10,380

Working Capital

SAR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
837
684
846
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
7
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

SAR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
22.66%
18.35%
21.88%
Free Cash Flow
36.07%
18.56%
-8.47%
Net Income, GAAP
67.12%
60.19%
36.9%
Sales/Revenue/Turnover
19.82%
15.73%
-12.16%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1,251
1,147
1,527
1,293
5,176
2025
1,164
1,012
- -
858
4,547
2026
1,600
1,431
- -
- -
- -

Quarterly Earnings Per Share

SAR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.56
0.45
0.41
0.24
1.66
2025
0.45
0.56
- -
0.83
2.27
2026
0.57
0.47
- -
- -
- -

Quarterly Dividends Per Share

SAR

•

in mil. unless spec.

Year

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

Company Description

Company Profile APIChatGPT
CEO
Saud Ghonaim Al-Ghonaim
Full Time Employees
115
Sector
Finance
Industry
Property/Casualty insurance
Address
3485 Thomamah Road- (Takhassusi) Riyadh Riyadh Province Saudi Arabia 11517
IPO Date
Jul 13, 2009
Website
alrajhitakaful.com
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Business
Al Rajhi Company for Cooperative Insurance (8230.SR) provides Shariah-compliant takaful insurance products and services to individuals and businesses primarily in the Kingdom of Saudi Arabia. The company operates through three main segments, including general insurance offerings such as motor, property all risks, fire, engineering, marine, general accidents, contractors all risks, contractor plant and machinery, public liability, trade credit, fidelity guarantee, and medical malpractice; health insurance tailored for small, medium, and large companies with cooperative systems; and protection and savings insurance encompassing investment-linked plans, family protection, group life, debt insurance, and private pension programs like Awaeed and Protection Savings Bundle, alongside personal lines including travel, home, domestic helper, cyber security, and visit visa extension coverages. Founded in 2008 and headquartered in Riyadh, Saudi Arabia, it focuses on preventive strategies through programs like Hayatx and Salamti for health and wellness, motor safety telematics, and AI-driven underwriting, claims processing, and customer personalization to enhance retention and reduce risks. Recent developments include a strategic partnership with Servify for extended warranty products on electronics in 2022, a March 2025 deal to insure real estate finance customers, agreements signed in 2025 with the Saudi Commission for Health Specialties, HungerStation, Theeb Car Rental, Google Cloud, Takamol Holding, and Masdar, official sponsorship of the SAL Jeddah GT Race in 2024, partnership with Global Health Exhibition 2025, launch of cyber insurance covering data breaches and ransomware, a 24% Q2 2025 profit rise to SAR 111.6 million driven by insurance growth, shareholder approval for a 300,000 share buyback in June 2025, and S&P affirmation of its A- rating with expectations of significant business expansion through 2027.