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Gulf Union Alahlia Cooperative Insurance Company (8120.SR)

SAR14.57 -0.16 (-1.09%)
SA SAU Financial Services Insurance - Diversified
Address Al-Moajil Commercial Centre 32221
Dammam, Eastern Province, SA
CEO Mashaal Ibrahim Saleh Al-Shaya
IPO 2010-03-03
ISIN SA000A0MR898

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Description

Gulf Union Alahlia Cooperative Insurance Company, founded in Dammam, Kingdom of Saudi Arabia in 1983, supplies a diverse range of insurance and reinsurance offerings throughout the Kingdom. The company's operations are structured into distinct divisions: Medical, Motor, Property and Casualty, and Protections and Savings. Its comprehensive product suite includes coverage for out-patient medical care, property damage, marine cargo, third-party liability, burglary, and group life assurance, alongside individual auto and health insurance 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
SAR14.57 -0.16 (-1.09%)
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Volume Profile
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Liquidity & share structure
Average Volume
249.4K
Beta
0.62
Float Shares
38.25M
Free Float %
83.3%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +5.84% +20.08% +3.33% +11.98% -24.29% +6.51% -40.20% +2.88% -56.53%
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

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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
14.57
DCF (Unlevered) 7.10 -51.3%

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.

Quality scores
Altman Z-Score
1.39
Distress
Piotroski F-Score
1 / 9
Weak
MOAT Score
4 / 10
Developing
Operational MOAT
✗ Below peers
  • Revenue growth Insurance - Diversified: +15.2%
    +26.0% Q1'26: -4.1% (vs Q1'25)
  • EPS growth Insurance - Diversified: +25.3%
    -291.6% Q1'26: +110.5% (vs Q1'25)
  • FCF margin FCF growth · Insurance - Diversified: +30.2%
    -21.6% Q1'26: -4.8% (vs Q1'25)
  • EBIT margin Insurance - Diversified: +13.5%
    -7.8% Q1'26: +2.7% (vs Q1'25)
  • ROIC Insurance - Diversified: +4.2%
    -11.5% Q1'26: +2.9% (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: 0.13× (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 (0.60) × ERP
WACC = 99% × Ke + 1% × Kd (7.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 7.10 Current price: 14.57
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

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

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 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
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 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
2026-05-06 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5
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 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-22 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-21 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-20 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-19 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-16 C- 1/5 1/5 1/5 1/5 2/5 1/5 3/5
2026-04-15 C 2/5 1/5 1/5 1/5 2/5 1/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-81.29M
OE per share TTM
-1.77
Owner's Yield
-15.03%
Maintenance CapEx ratio
9.08%
Maint CapEx / Avg PPE
2.4%

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 1 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Dimensional - Emerging Markets Core Equity 2 ETF DFEM 0.00% 117.9K 0.39%

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
-220.7K
Shares Outstanding
45.89M

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
Abdul Monaem Abdul Allah Hpl AlBoali Head of the Technical Department
Afnan Saad Al Burayt Head of Compliance
Ali Abdullah Burhan Head of Internal Audit
Fares Salman Al-Habbad Chief Financial Officer
Ghadeer Khaled Al Zamil Legal Affairs Manager
Hassan Al Dandan Head of Risk
Haya Fahad Al Saeed Secretary of the Board female
Mashaal Ibrahim Saleh Al-Shaya Chief Executive Officer male
Munir Hashem Abdul Razzaq Al-Borno Executive Non-Independent Director male
Somaya Abdulaziz Ahmed Abu Daqin Secretary of the Board of Directors female
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