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The Company for Cooperative Insurance (8010.SR)
SAR135.40
-2.20 (-1.60%)
SA SAU Financial Services Insurance - Diversified
Address
6507 Thomamah Road 11632
Riyadh, Riyadh Province, SA
Riyadh, Riyadh Province, SA
CEO
Othman Yousef Alkassabi
Website
tawuniya.com.sa
IPO
2010-03-04
ISIN SA000A0DPSH3
Description
Established in 1986 and headquartered in Riyadh, Saudi Arabia, The Company for Cooperative Insurance (formerly National Company for Cooperative Insurance, changing its name in 2004) provides a comprehensive suite of insurance and reinsurance services. It serves both individual clients and corporations throughout the Kingdom of Saudi Arabia. Its diverse portfolio is structured around segments such like Medical (including Medical Umrah), Motor, Property and Casualty, General Accident, Travel and COVID-19, Protection and Saving, and Teejan Al-Khaleej. The company offers specific policies covering areas such as marine, fire, engineering, energy, aviation, Takaful, international travel, medical malpractice, and shop owners' insurance. Additionally, it offers Manafedh third-party liability insurance for foreign vehicles, provides consulting expertise, and supports operational facilities for businesses in the insurance and healthcare sectors.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
SAR135.40
-2.20 (-1.60%)
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Volume Profile
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Liquidity & share structure
Average Volume
310.9K
Beta
0.42
Float Shares
110.72M
Free Float %
73.9%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -1.29% | +0.80% | +8.39% | -1.85% | +4.30% | +18.12% | -5.34% | +56.74% | +115.37% | +136.93% | +457.93% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
135.40
DCF (Unlevered)
1,087.98
+703.5%
DCF (Levered)
1,074.19
+693.3%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 5 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
2.54
Grey zone
Piotroski F-Score
5 / 9
Average
MOAT Score
7 / 10
Strong MOAT
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
5 / 5
High
ROA Score
5 / 5
High
D/E Score
3 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Diversified: +15.2%+33.6% ★ Q1'26: +25.9% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%+7.8% Q1'26: +9.7% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+3.4% Q1'26: +4.9% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+5.5% Q1'26: +5.4% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+29.7% ★ Q1'26: +31.0% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%+0.1% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×0.11× ★ Q1'26: 0.11× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 2 EPS Ana. |
Dec 2027 2 Rev. Ana. 3 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
5.99B
est: 7.30B (-17.9%)
|
7.18B
est: 7.46B (-3.8%)
|
7.87B
est: 8.81B (-10.6%)
|
7.40B
est: 7.53B (-1.6%)
|
7.24B
est: 8.37B (-13.6%)
|
7.38B
est: 8.59B (-14.1%)
|
8.35B
est: 8.86B (-5.7%)
|
9.99B
est: 13.90B (-28.1%)
|
13.86B
est: 15.75B (-12.0%)
|
16.60B
est: 18.33B (-9.5%)
|
22.17B
est: 22.78B (-2.7%)
|
24.26B
23.71B – 24.81B
+6.5% YoY
|
26.43B
25.28B – 27.58B
+9.0% YoY
|
31.36B
30.64B – 32.08B
+18.6% YoY
|
59.33B
57.98B – 60.69B
+89.2% YoY
|
| EBITDA |
656.24M
est: 465.84M (+40.9%)
|
895.29M
est: 476.44M (+87.9%)
|
-117.99M
est: 562.03M (-121.0%)
|
-183.54M
est: 480.41M (-138.2%)
|
467.03M
est: 534.31M (-12.6%)
|
595.57M
est: 548.27M (+8.6%)
|
413.29M
est: 565.62M (-26.9%)
|
577.12M
est: 887.18M (-34.9%)
|
768.95M
est: 925.52M (-16.9%)
|
1.26B
est: 1.08B (+16.7%)
|
1.23B
est: 1.34B (-8.4%)
|
1.43B
1.39B – 1.46B
+6.5% YoY
|
1.55B
1.49B – 1.62B
+9.0% YoY
|
1.84B
1.80B – 1.88B
+18.6% YoY
|
3.49B
3.41B – 3.57B
+89.2% YoY
|
| EBIT |
642.30M
est: 432.11M (+48.6%)
|
877.60M
est: 441.94M (+98.6%)
|
-146.54M
est: 521.33M (-128.1%)
|
-213.34M
est: 445.62M (-147.9%)
|
436.45M
est: 495.62M (-11.9%)
|
565.07M
est: 508.57M (+11.1%)
|
380.97M
est: 524.66M (-27.4%)
|
530.18M
est: 822.94M (-35.6%)
|
717.81M
est: 865.73M (-17.1%)
|
1.15B
est: 1.01B (+13.7%)
|
1.23B
est: 1.25B (-2.0%)
|
1.33B
1.30B – 1.36B
+6.5% YoY
|
1.45B
1.39B – 1.52B
+9.0% YoY
|
1.72B
1.68B – 1.76B
+18.6% YoY
|
3.26B
3.19B – 3.34B
+89.2% YoY
|
| Net Income |
598.43M
est: 342.72M (+74.6%)
|
800.95M
est: 653.32M (+22.6%)
|
-146.54M
est: 680.70M (-121.5%)
|
-279.33M
est: 34.71M (-904.7%)
|
361.87M
est: 430.91M (-16.0%)
|
443.94M
est: 468.40M (-5.2%)
|
288.89M
est: 329.11M (-12.2%)
|
302.19M
est: 490.97M (-38.4%)
|
616.43M
est: 952.61M (-35.3%)
|
1.02B
est: 1.04B (-2.1%)
|
1.10B
est: 1.06B (+4.4%)
|
1.28B
1.27B – 1.29B
+21.0% YoY
|
1.61B
1.40B – 1.81B
+25.6% YoY
|
1.76B
1.71B – 1.81B
+9.6% YoY
|
2.10B
2.03B – 2.16B
+19.1% YoY
|
| SGA |
74.84M
est: 81.30M (-7.9%)
|
67.48M
est: 83.15M (-18.8%)
|
111.95M
est: 98.08M (+14.1%)
|
123.04M
est: 83.84M (+46.8%)
|
139.86M
est: 93.25M (+50.0%)
|
155.97M
est: 95.68M (+63.0%)
|
169.98M
est: 98.71M (+72.2%)
|
33.58M
est: 154.83M (-78.3%)
|
65.96M
est: 108.87M (-39.4%)
|
101.09M
est: 126.68M (-20.2%)
|
—
est: 157.46M (-100.0%)
|
167.68M
163.85M – 171.50M
+6.5% YoY
|
182.70M
174.74M – 190.65M
+9.0% YoY
|
216.75M
211.81M – 221.70M
+18.6% YoY
|
410.08M
400.73M – 419.44M
+89.2% YoY
|
| EPS |
4.78
est: 2.29 (+109.0%)
|
6.41
est: 4.36 (+47.1%)
|
-1.17
est: 4.54 (-125.8%)
|
-1.71
est: 0.23 (-838.3%)
|
2.41
est: 2.88 (-16.2%)
|
2.62
est: 3.13 (-16.2%)
|
1.78
est: 2.20 (-18.9%)
|
2.41
est: 3.28 (-26.5%)
|
4.11
est: 6.35 (-35.3%)
|
6.82
est: 6.96 (-2.0%)
|
7.37
est: 7.07 (+4.3%)
|
8.53
8.46 – 8.59
+20.6% YoY
|
10.30
9.33 – 12.09
+20.8% YoY
|
11.74
11.39 – 12.09
+14.0% YoY
|
13.98
13.57 – 14.39
+19.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-07 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-06 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-05 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-04 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-05-03 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-30 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-29 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-28 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-27 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-26 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-23 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-22 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-21 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-20 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-19 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 3/5 | 2/5 | 1/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-93.68M
OE per share TTM
-0.64
Owner's Yield
-0.44%
Maintenance CapEx ratio
23.09%
Maint CapEx / Avg PPE
2.7%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 88 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSD.L | 0.93% | 180.0K | 0.60% |
| 2 | iShares MSCI Saudi Arabia Capped UCITS ETF IKSA.L | 0.93% | 4.83M | 0.60% |
| 3 | Invesco MSCI Saudi Arabia UCITS ETF MSAU.L | 0.89% | 413.9K | 0.50% |
| 4 | iShares MSCI Saudi Arabia ETF KSA | 0.85% | 5.53M | 0.75% |
| 5 | Lazard Emerging Markets Opportunities ETF EMKT | 0.67% | 1.13M | 0.74% |
| 6 | VanEck - MSCI Multifactor Emerging Markets Equity ETF EMKT.AX | 0.22% | 1.11M | 0.69% |
| 7 | Fidelity Emerging Markets Limited FEMI.L | 0.20% | 432.9K | 0.50% |
| 8 | Fidelity Emerging Markets Quality Income UCITS ETF INC-USD FEME.L | 0.20% | 432.9K | 0.50% |
| 9 | Dimensional - Emerging Markets High Profitability ETF DEHP | 0.10% | 425.5K | 0.44% |
| 10 | iShares Edge MSCI EM Minimum Volatility UCITS ETF EMMV.L | 0.09% | 425.0K | 0.40% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
4.59M
Shares Outstanding
149.80M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Abdulaziz Alshaikh | Chief Financial Officer | — | male |
| Abdullah Abahussain | Acting Chief of Marketing & Customer Service Officer | — | male |
| Abdullah Al Shargi | Chief Technology & Digital Officer | — | male |
| Asim Alsaawi | Chief Human Resources Officer | — | male |
| Fahad Saad Al-Moammar | Chief Investment Officer | — | male |
| Feher Alshareif | Chief Strategy Officer | — | male |
| Hisham F. Radwan | Senior Vice President of Medical Insurance | — | male |
| Majed A. Al-Bahiti | Vice President of Marketing & Communication | — | male |
| Mohammad Alsaeed | Chief Executive Officer of Health Sector | — | — |
| Othman Yousef Alkassabi | Chief Executive Officer | — | male |
| Rania Sami Al-Turki | Chief Operating Officer | — | female |
| Sultan Saleh Al-Khomashi | Chief Executive Officer of General Sector & Senior EVice President of Insurance | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for 8010.SR
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
