Salama Cooperative Insurance Company
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Salama 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
- Shareholder Slice Ratio: Share count rose 62% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 94% of Financial Services companies in Saudi Arabia.
- Steadiness Ratio: Sales grew in 1 of the last 3 years; profit grew in 1 of 3. Less steady than 91% 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
1/3 · 1/3Sales grew in 1 of the last 3 years; profit grew in 1 of 3.
Less steady than 91% of Financial Services companies in Saudi Arabia.
Growth Efficiency Ratio
—Sales fell 9%
Sales fell 9% in 3 years, so extra profit per extra sales cannot be measured.
Asset Productivity Ratio
-9% / +21%In 3 years sales changed by -9% while total assets changed by +21%. Assets grew faster than sales.
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 73% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
98%Of every SAR 100 of net worth, SAR 98 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 77% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Salama Cooperative Insurance Company made a loss over the last year. Salama Cooperative Insurance Company owes SAR 0.69 for every SAR 1 it owns. Salama 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
LossSalama Cooperative Insurance Company made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.73The share price is 0.73 times Salama Cooperative Insurance Company's book value per share, lower than 70% of Financial Services companies in Saudi Arabia.
Market cap
SAR 181 MThe total market value of all of Salama Cooperative Insurance Company's shares at today's price (share price × number of shares), smaller than 89% of Financial Services companies in Saudi Arabia. PosiCap size class: Micro Cap.
Net worth (book value)
SAR 250 MWhat Salama 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 8.32Net worth divided by the number of shares. The share price of SAR 6.04 is 0.7 times this, which is the P/B above.
Return on equity (ROE)
-25.8%Salama Cooperative Insurance Company lost 25.8% of its shareholders' money over the last year, lower than 87% of Financial Services companies in Saudi Arabia.
Owes vs Owns
0.69×Salama Cooperative Insurance Company owes SAR 0.69 for every SAR 1 it owns (moderate), higher than 50% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
NoneSalama Cooperative Insurance Company does not currently pay a dividend.
Revenue growth
-15%Revenue fell 15% in the year to Dec 2025, and shrank 3% a year on average over 3 years.
Profit growth
LossSalama Cooperative Insurance Company made a loss in the year to Dec 2025, after a profit the year before.
Profit margin
-17.7%Salama Cooperative Insurance Company lost SAR 18 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 Salama Cooperative Insurance Company: SAR 181 M ÷ SAR 250 M (30 Jun 2026) = 0.7.
What is Salama Cooperative Insurance Company's return on equity?
Salama Cooperative Insurance Company lost 25.8% of its shareholders' money over the last year, lower than 87% of Financial Services companies in Saudi Arabia.
How much does Salama Cooperative Insurance Company owe compared with what it owns?
Salama Cooperative Insurance Company owes SAR 0.69 for every SAR 1 it owns (moderate), higher than 50% of Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does Salama Cooperative Insurance Company pay a dividend?
No. Salama Cooperative Insurance Company does not currently pay a dividend.
Is Salama Cooperative Insurance Company's revenue growing?
Revenue fell 15% in the year to Dec 2025, and shrank 3% 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.