United Cooperative Assurance Company
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from United Cooperative Assurance 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
- Tangible Net Worth Ratio: Goodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative. Less tangible than 98% of Financial Services companies in Saudi Arabia.
- Tangible Assets Ratio: Of every SAR 100 the company owns, SAR 86 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles. Less tangible than 95% of Financial Services companies in Saudi Arabia.
- Growth Efficiency Ratio: Sales grew 104% in 3 years, but profit fell: SAR 60 less profit per SAR 100 of extra sales. Lower than 87% 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 60Sales grew 104% in 3 years, but profit fell: SAR 60 less profit per SAR 100 of extra sales.
Lower than 87% of Financial Services companies in Saudi Arabia.
Asset Productivity Ratio
+104% / +6%In 3 years sales changed by +104% while total assets changed by +6%. 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
86%Of every SAR 100 the company owns, SAR 86 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 95% of Financial Services companies in Saudi Arabia.
Tangible Net Worth Ratio
NegativeGoodwill and other intangibles are larger than its whole net worth, so its tangible net worth is negative.
Less tangible than 98% of Financial Services companies in Saudi Arabia.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
United Cooperative Assurance Company made a loss over the last year. United Cooperative Assurance Company owes SAR 0.98 for every SAR 1 it owns. United Cooperative Assurance Company made a loss in each of the last two years.
Compared with Financial Services companies in Saudi Arabia · latest annual results Dec 2025.
P/E ratio
LossUnited Cooperative Assurance Company made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
8.03The share price is 8.03 times United Cooperative Assurance Company's book value per share, higher than 96% of Financial Services companies in Saudi Arabia.
Market cap
SAR 135 MThe total market value of all of United Cooperative Assurance Company's shares at today's price (share price × number of shares), smaller than 96% of Financial Services companies in Saudi Arabia. PosiCap size class: Micro Cap.
Net worth (book value)
SAR 17 MWhat United Cooperative Assurance 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 0.42Net worth divided by the number of shares. The share price of SAR 3.38 is 8.0 times this, which is the P/B above.
Return on equity (ROE)
-174.1%United Cooperative Assurance Company lost 174.1% of its shareholders' money over the last year, lower than almost all Financial Services companies in Saudi Arabia.
Owes vs Owns
0.98×United Cooperative Assurance Company owes SAR 0.98 for every SAR 1 it owns (high), higher than almost all Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Dividend yield
NoneUnited Cooperative Assurance Company does not currently pay a dividend.
Revenue growth
-13%Revenue fell 13% in the year to Dec 2025, and grew 27% a year on average over 3 years.
Profit growth
LossUnited Cooperative Assurance Company made a loss in each of the last two years.
Profit margin
-39.3%United Cooperative Assurance Company lost SAR 39 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 United Cooperative Assurance Company: SAR 135 M ÷ SAR 17 M (30 Jun 2026) = 8.0.
What is United Cooperative Assurance Company's return on equity?
United Cooperative Assurance Company lost 174.1% of its shareholders' money over the last year, lower than almost all Financial Services companies in Saudi Arabia.
How much does United Cooperative Assurance Company owe compared with what it owns?
United Cooperative Assurance Company owes SAR 0.98 for every SAR 1 it owns (high), higher than almost all Financial Services companies in Saudi Arabia. Banks and lenders usually show higher figures.
Does United Cooperative Assurance Company pay a dividend?
No. United Cooperative Assurance Company does not currently pay a dividend.
Is United Cooperative Assurance Company's revenue growing?
Revenue fell 13% in the year to Dec 2025, and grew 27% 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.