C 
Company for Cooperative Insurance SJSC 8010.SR · SAR
Financials · Insurance · Tadawul · 🇸🇦 Saudi Arabia
88.85
+0.40%
Close of 9 Nov 2026, in SAR
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At a glance
Figures in SAR, from our data supplier.
Revenue, before interest expense
SAR 22.17bn
FY2016FY2025
Net income
SAR 1.10bn
FY2016FY2025
Total assets
SAR 21.76bn
FY2016FY2025
Shareholders' equity
SAR 5.36bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | SAR 22.17bn | SAR 16.60bn | SAR 13.86bn | SAR 9.99bn | SAR 8.35bn | SAR 7.38bn | SAR 7.24bn | SAR 7.40bn | SAR 7.87bn | SAR 7.18bn |
| Operating income | SAR 1.25bn | SAR 1.15bn | SAR 717.8m | SAR 530.2m | SAR 381.0m | SAR 565.1m | SAR 436.4m | −SAR 213.3m | −SAR 146.5m | SAR 800.9m |
| Net income | SAR 1.10bn | SAR 1.02bn | SAR 616.4m | SAR 302.2m | SAR 288.9m | SAR 443.9m | SAR 361.9m | −SAR 279.3m | −SAR 146.5m | SAR 800.9m |
| Diluted earnings per share | 7.28 | 6.83 | 4.11 | 2.01 | 1.93 | 3.55 | 2.89 | -2.23 | -1.17 | 6.41 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | SAR 21.76bn | SAR 21.00bn | SAR 18.42bn | SAR 18.91bn | SAR 14.63bn | SAR 14.26bn | SAR 14.11bn | SAR 12.63bn | SAR 13.44bn | SAR 13.48bn |
| Cash and short-term investments | SAR 1.78bn | SAR 2.14bn | SAR 1.68bn | SAR 2.72bn | SAR 3.56bn | SAR 3.46bn | SAR 4.05bn | SAR 4.51bn | SAR 6.92bn | SAR 6.52bn |
| Total liabilities | SAR 16.41bn | SAR 16.52bn | SAR 14.79bn | SAR 15.55bn | SAR 11.59bn | SAR 11.45bn | SAR 11.61bn | SAR 10.82bn | SAR 11.23bn | SAR 10.55bn |
| Debt | — | — | SAR 51.0m | — | — | SAR 402.0m | — | — | — | — |
| Shareholders' equity | SAR 5.36bn | SAR 4.48bn | SAR 3.62bn | SAR 3.37bn | SAR 3.04bn | SAR 2.81bn | SAR 2.50bn | SAR 1.81bn | SAR 2.21bn | SAR 2.93bn |
| Shares outstanding | 151m | 150m | 150m | 150m | 150m | 125m | 125m | 125m | 125m | 125m |
Latest quarters
By quarter end
| Jun 2026 | Mar 2026 | Dec 2025 | Sept 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sept 2024 | |
|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | SAR 5.83bn | SAR 5.29bn | SAR 6.47bn | SAR 4.83bn | SAR 4.81bn | SAR 4.73bn | SAR 4.35bn | SAR 4.30bn |
| Operating income | — | — | SAR 220.4m | SAR 211.9m | SAR 502.1m | SAR 296.3m | SAR 197.9m | SAR 225.4m |
| Net income | SAR 321.8m | SAR 288.1m | SAR 200.7m | SAR 173.3m | SAR 467.4m | SAR 261.7m | SAR 168.0m | SAR 197.6m |
| Diluted earnings per share | 2.15 | 1.92 | 1.33 | 1.14 | 3.09 | 1.73 | 1.12 | 1.32 |
| Total assets | SAR 29.69bn | SAR 25.04bn | SAR 21.76bn | SAR 21.30bn | SAR 21.32bn | SAR 19.97bn | SAR 21.00bn | SAR 20.91bn |
| Cash and short-term investments | — | — | SAR 1.78bn | SAR 1.03bn | SAR 889.4m | SAR 1.49bn | SAR 2.14bn | SAR 1.82bn |
| Shareholders' equity | SAR 5.67bn | SAR 5.65bn | SAR 5.36bn | SAR 5.14bn | SAR 4.96bn | SAR 4.74bn | SAR 4.48bn | SAR 4.30bn |
Financial ratios
Data as of 27 Sept 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2011 | FY2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating margin | 5.6% | 7.0% | 5.2% | 5.3% | 4.6% | 7.7% | — | — | — | — | — | — |
| Net margin | 5.0% | 6.2% | 4.4% | 3.0% | 3.5% | 6.0% | — | — | — | — | — | — |
| Return on equity | 20.6% | 22.8% | 17.0% | 9.0% | 9.5% | 15.8% | — | — | — | — | — | — |
| Return on assets | 5.1% | 4.9% | 3.3% | 1.6% | 2.0% | 3.1% | — | — | — | — | — | — |
| Revenue growth | 33.6% | 19.7% | 38.8% | 19.6% | 13.2% | 2.0% | — | — | — | — | — | — |
| Earnings growth | 7.9% | 65.8% | 104.0% | 4.6% | -34.9% | 22.7% | — | — | — | — | — | — |
| Current ratio | 9.09x | 0.23x | 1.33x | 1.96x | 3.73x | 1.87x | — | — | — | — | — | — |
| Debt to equity | — | — | — | — | 0.00x | 0.14x | 0.00x | 0.00x | 0.00x | 0.00x | — | — |
| Equity ratio | 24.6% | 21.3% | 19.7% | 17.8% | 20.8% | 19.7% | — | — | — | — | — | — |
| Interest coverage | 60.69x | 120.66x | — | 83.78x | 44.82x | — | — | — | — | — | 1.11x | 1.13x |
| Buybacks as a share of market value | -1.2% | 0.2% | 0.0% | 0.0% | -20.0% | 0.0% | — | — | — | — | — | — |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 30.4% | 24.6% | 14.0% |
| Operating income | 33.0% | 17.2% | 6.9% |
| Net income | 54.0% | 20.0% | 6.3% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 6.2% | 5.8% | 5.9% | 5.4% |
| Net margin | 5.5% | 4.9% | 4.8% | 4.5% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 10.7 | 14.4 | 21.1 | 22.2 | 22.4 | 12.5 | 14.7 | -15.0 | -44.7 | 7.5 |
| Price to sales | 0.5 | 0.9 | 0.9 | 0.7 | 0.8 | 0.8 | 0.7 | 0.6 | 0.8 | 0.8 |
Dividends and splits
Per share, in the currency the company pays
Paid for 3 years. Last went ex-dividend on 29 Jun 2026.
| FY2026 | FY2025 | FY2024 | FY2023 | FY2021 | FY2017 | FY2016 | FY2015 | |
|---|---|---|---|---|---|---|---|---|
| Paid in the year | 1.333 | 1.00 | 0.667 | 0.556 | 0.444 | 1.778 | 0.444 | 0.644 |
- 6-for-5 split · 29 Aug 2023
- 5-for-4 split · 22 Mar 2017
- 4-for-3 split · 23 Apr 2013
- 3-for-2 split · 2 Apr 2011
- 5-for-1 split · 1 Apr 2006
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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