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Salama Cooperative Insurance Company (8050.SR)

SAR9.07 -0.15 (-1.63%)
SA SAU Financial Services Insurance - Property & Casualty
Address Salama Tower 21491
Jeddah, Makkah Province, SA
CEO Bader Khalid Dhaar Alanzi
IPO 2010-03-04
ISIN SA000A0MLUE6

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Description

Salama Cooperative Insurance Company, founded in 1979 and headquartered in Jeddah, Kingdom of Saudi Arabia, delivers a diverse array of insurance products and services across multiple nations, including the United Arab Emirates, Saudi Arabia, Algeria, Malaysia, Bahrain, Senegal, and Egypt. Formerly known as Saudi IAIC Cooperative Insurance Company until its rebranding in 2012, the firm structures its operations across Medical, Motor, and Other segments. Its motor insurance policies encompass protection against accidents, fire, towing costs, malicious damage, theft, estimation services, and associated medical expenditures. For healthcare needs, Salama offers medical insurance plans covering general care, medications, chronic conditions, vaccinations, maternity and neonatal services, physiotherapy, ophthalmology, dental treatments, oncology, and CCHI compliance. Additionally, the company provides travel insurance, safeguarding policyholders against personal accidents, overseas medical emergencies, repatriation of mortal remains, lost baggage, passport or cash loss, personal liability, and accidental death. Medical professionals can also secure malpractice insurance, featuring specialized and adaptable coverage options for various medical facilities. Furthermore, Salama extends a comprehensive suite of general insurance solutions, including engineering, liability, marine, property, and general accident policies.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
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
Averages
Trend
Price
Levels
Draw
SAR9.07 -0.15 (-1.63%)
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Volume Profile
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Liquidity & share structure
Average Volume
238.3K
Beta
0.27
Float Shares
28.99M
Free Float %
96.6%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% -3.44% -2.69% -24.63% -18.39% -40.24% -37.01% -88.26% -76.15% -89.70%
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
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
9.07
Ratings Trend (MoM)
Rating 2024-11 Change
Strong Buy 0 0
Buy 0 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
1.00
Distress
Piotroski F-Score
3 / 9
Average
MOAT Score
2 / 10
No MOAT
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Property & Casualty: +14.1%
    -3.3% Q1'26: +37.9% (vs Q1'25)
  • EPS growth Insurance - Property & Casualty: +27.5%
    -348.0% Q1'26: +90.7% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Property & Casualty: +25.6%
    +4.0% Q1'26: -11.3% (vs Q1'25)
  • EBIT margin Insurance - Property & Casualty: +16.3%
    -15.4% Q1'26: +1.7% (vs Q1'25)
  • ROIC Insurance - Property & Casualty: +7.9%
    -3,288.5% Q1'26: +4.5% (vs Q1'25)
  • Share dilution Insurance - Property & Casualty: +0.4%
    +22.1% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×
    -0.18× Q1'26: 1.00× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
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.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.30) × ERP
WACC = 94% × Ke + 6% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 9.07
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Revenue
751.11M
est: 738.00M (+1.8%)
525.49M
est: 464.00M (+13.3%)
403.89M
est: 466.00M (-13.3%)
426.52M
est: 512.60M (-16.8%)
567.63M
est: 561.80M (+1.0%)
EBITDA
21.79M
est: -14.91M (+246.1%)
-40.77M
est: -9.38M (-334.8%)
25.47M
est: -9.42M (+370.4%)
-93.56M
est: -10.36M (-803.2%)
-48.51M
est: -11.35M (-327.3%)
EBIT
17.78M
est: -27.14M (+165.5%)
-52.59M
est: -17.06M (-208.2%)
14.22M
est: -17.14M (+183.0%)
-105.08M
est: -18.85M (-457.4%)
-53.20M
est: -20.66M (-157.5%)
Net Income
11.78M
-60.12M
est: -162.13M (+62.9%)
6.92M
est: -68.39M (+110.1%)
-112.41M
est: -24.54M (-358.1%)
-38.87M
est: -2.01M (-1,832.2%)
SGA
18.61M
est: 16.10M (+15.6%)
27.13M
est: 10.12M (+168.1%)
21.07M
est: 10.16M (+107.3%)
16.38M
est: 11.18M (+46.5%)
4.26M
est: 12.25M (-65.2%)
EPS
0.67
-3.94
est: -6.60 (+40.3%)
0.39
est: -2.78 (+114.0%)
-6.07
est: -1.00 (-507.7%)
-2.10
est: -0.08 (-2,464.7%)
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-21 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-20 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-19 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-18 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-17 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-14 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-13 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-12 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-11 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-10 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-07 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-06 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-05 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-04 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-03 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-30 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-29 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-28 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-27 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-26 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-23 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-22 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-21 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-20 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-19 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-16 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-16.95M
OE per share TTM
-0.56
Owner's Yield
-7.45%
Maintenance CapEx ratio
Maint CapEx / Avg PPE
4.6%

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

This company is not held by any ETF in our universe.

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
-1.64M
Shares Outstanding
30.00M

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

NameTitleCompensationGender
Bader Khalid Alanzi Chief Executive Officer & Executive Director 502.4K male
Ammar Ahmad Ghurab Chief of Operations male
Hani Ghazi Bahadi Head of Sales male
Hassan Ahmed Alzahrani Chief of Compliance and Anti-Money Laundering & Combating Financing of Terrorism male
Mohammed Fehaid Alsagoor Chief Cyber Security Officer
Mohammed Nasser Alwhbi Chief Customer Care Officer
Afaf Hamed Althobyani HR & Admin Manager female
Shaker Bin Faisal Mustafa Alkhanani Chief Risk Officer 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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Dividend history

Earnings history

Earnings reports

Stock splits