Al-Etihad Cooperative Insurance Company
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Al-Etihad Cooperative Insurance Company's yearly results (2022–2025), compared with Financial Services companies in Saudi Arabia. Tap ? on any ratio for what it means.
What stands out
- Growth Efficiency Ratio: Sales grew 16% in 3 years, but profit fell: SAR 157 less profit per SAR 100 of extra sales. Lower than 96% of Financial Services companies in Saudi Arabia.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 72% of Financial Services companies in Saudi Arabia.
Growth Efficiency Ratio
−SAR 157Sales grew 16% in 3 years, but profit fell: SAR 157 less profit per SAR 100 of extra sales.
Lower than 96% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+16% / -21%In 3 years sales changed by +16% while total assets changed by -21%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every SAR 100 the company owns, SAR 99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 55% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
96%Of every SAR 100 of net worth, SAR 96 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 64% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Al-Etihad Cooperative Insurance Company made a loss over the last year. Al-Etihad Cooperative Insurance Company owes SAR 0.66 for every SAR 1 it owns. Al-Etihad Cooperative Insurance Company made a loss in the year to Dec 2025, after a profit the year before.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
LossAl-Etihad Cooperative Insurance Company made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.77The share price is 0.77 times Al-Etihad Cooperative Insurance Company's book value per share, lower than 60% of Financial Services companies in Saudi Arabia.
Market cap
SAR 275 MThe total market value of all of Al-Etihad Cooperative Insurance Company's shares at today's price (share price × number of shares), smaller than 77% of Financial Services companies in Saudi Arabia. PosiCap size class: Micro Cap.
Net worth (book value)
SAR 357 MWhat Al-Etihad Cooperative Insurance Company would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
SAR 7.15Net worth divided by the number of shares. The share price of SAR 5.50 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
-54.0%Al-Etihad Cooperative Insurance Company lost 54.0% of its shareholders' money over the last year, lower than 90% of Financial Services companies in Saudi Arabia.
Owes vs Owns
0.66×Al-Etihad Cooperative Insurance Company owes SAR 0.66 for every SAR 1 it owns (moderate), lower than 57% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
NoneAl-Etihad Cooperative Insurance Company does not currently pay a dividend.
Revenue growth
-18%Revenue fell 18% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Profit growth
LossAl-Etihad Cooperative Insurance Company made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-20.5%Al-Etihad Cooperative Insurance Company lost SAR 21 for every SAR 100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Al-Etihad Cooperative Insurance Company: SAR 275 M ÷ SAR 357 M (30 Jun 2026) = 0.8.
What is Al-Etihad Cooperative Insurance Company's return on equity?
Al-Etihad Cooperative Insurance Company lost 54.0% of its shareholders' money over the last year, lower than 90% of Financial Services companies in Saudi Arabia.
How much does Al-Etihad Cooperative Insurance Company owe compared with what it owns?
Al-Etihad Cooperative Insurance Company owes SAR 0.66 for every SAR 1 it owns (moderate), lower than 57% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Al-Etihad Cooperative Insurance Company pay a dividend?
No. Al-Etihad Cooperative Insurance Company does not currently pay a dividend.
Is Al-Etihad Cooperative Insurance Company's revenue growing?
Revenue fell 18% in the year to Dec 2025, and grew 5% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.