M 
Mediterranean and Gulf Cooperative Insurance and Reinsurance Company SJSC 8030.SR · SAR
Financials · Tadawul · 🇸🇦 Saudi Arabia
13.55
+1.42%
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 4.36bn
FY2016FY2025
Net income
SAR 41.1m
FY2016FY2025
Total assets
SAR 3.78bn
FY2016FY2025
Shareholders' equity
SAR 1.59bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | SAR 4.36bn | SAR 3.35bn | SAR 2.89bn | SAR 2.22bn | SAR 1.74bn | SAR 1.69bn | SAR 2.12bn | SAR 1.86bn | SAR 2.45bn | SAR 3.12bn |
| Operating income | SAR 44.3m | SAR 107.0m | SAR 195.7m | −SAR 405.9m | −SAR 135.6m | SAR 54.9m | SAR 19.2m | −SAR 204.5m | −SAR 388.0m | SAR 67.6m |
| Net income | SAR 41.1m | SAR 102.0m | SAR 201.5m | −SAR 396.9m | −SAR 140.6m | SAR 36.9m | SAR 3.1m | −SAR 209.2m | −SAR 388.0m | SAR 67.6m |
| Diluted earnings per share | -0.36 | 0.97 | 1.92 | -3.78 | -1.68 | 0.53 | 0.04 | -4.68 | -8.69 | 1.51 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | SAR 3.78bn | SAR 2.88bn | SAR 3.12bn | SAR 4.03bn | SAR 4.13bn | SAR 3.85bn | SAR 3.50bn | SAR 3.47bn | SAR 3.99bn | SAR 4.59bn |
| Cash and short-term investments | SAR 668.1m | SAR 486.1m | SAR 317.4m | SAR 1.08bn | SAR 1.14bn | SAR 929.6m | SAR 690.3m | SAR 1.13bn | SAR 507.3m | SAR 846.7m |
| Total liabilities | SAR 2.19bn | SAR 1.85bn | SAR 2.20bn | SAR 3.39bn | SAR 3.11bn | SAR 3.09bn | SAR 2.79bn | SAR 2.81bn | SAR 3.50bn | SAR 3.64bn |
| Debt | SAR 1.9m | SAR 2.1m | SAR 10.9m | SAR 3.6m | SAR 8.5m | SAR 16.6m | SAR 25.9m | — | — | — |
| Shareholders' equity | SAR 1.59bn | SAR 1.03bn | SAR 917.4m | SAR 645.1m | SAR 1.01bn | SAR 759.7m | SAR 706.2m | SAR 667.9m | SAR 498.6m | SAR 952.5m |
| Shares outstanding | — | 106m | 105m | 105m | 83m | 70m | 81m | 45m | 45m | 45m |
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 1.12bn | SAR 1.06bn | SAR 1.27bn | SAR 981.7m | SAR 963.1m | SAR 954.6m | SAR 840.8m | SAR 926.9m |
| Operating income | — | — | SAR 2.1m | SAR 19.1m | SAR 2.5m | SAR 20.6m | SAR 229,000 | SAR 40.4m |
| Net income | SAR 44.2m | SAR 36.2m | SAR 6.3m | SAR 17.9m | −SAR 1.5m | SAR 19.6m | SAR 3.0m | SAR 39.1m |
| Diluted earnings per share | 0.32 | 0.26 | -0.05 | -0.16 | 0.01 | -0.17 | 0.03 | 0.37 |
| Total assets | SAR 4.02bn | SAR 3.85bn | SAR 3.78bn | SAR 3.21bn | SAR 3.06bn | SAR 3.05bn | SAR 2.88bn | SAR 2.99bn |
| Cash and short-term investments | — | — | SAR 668.1m | SAR 903.5m | SAR 664.2m | SAR 768.2m | SAR 486.1m | SAR 507.2m |
| Debt | — | — | SAR 1.9m | SAR 5.8m | SAR 10.0m | SAR 9.7m | SAR 937,000 | — |
| Shareholders' equity | SAR 1.66bn | SAR 1.61bn | SAR 1.59bn | SAR 1.07bn | SAR 1.05bn | SAR 1.05bn | SAR 1.03bn | SAR 1.02bn |
Financial ratios
Data as of 29 Oct 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2012 | FY2011 | FY2010 | FY2009 | FY2008 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating margin | 1.0% | 3.2% | 6.8% | -18.3% | -7.8% | 3.3% | — | — | — | — | — | — |
| Net margin | 0.9% | 3.0% | 7.0% | -17.9% | -8.1% | 2.2% | — | — | — | — | — | — |
| Return on equity | 2.6% | 9.9% | 22.0% | -61.5% | -13.9% | 4.9% | — | — | — | — | — | — |
| Return on assets | 1.1% | 3.5% | 6.5% | -9.8% | -3.4% | 1.0% | — | — | — | — | — | — |
| Revenue growth | 30.1% | 15.8% | 30.6% | 27.5% | 3.2% | -20.7% | — | — | — | — | — | — |
| Earnings growth | -59.7% | -49.4% | -150.8% | 182.3% | -480.9% | 1081.6% | — | — | — | — | — | — |
| Current ratio | — | 3.55x | 22.90x | 2.61x | 6.29x | 7.76x | 2.54x | — | — | — | — | — |
| Debt to equity | 0.00x | 0.00x | 0.02x | 0.01x | 0.01x | 0.01x | — | — | — | — | — | — |
| Equity ratio | 42.2% | 35.7% | 29.4% | 16.0% | 24.6% | 19.7% | — | — | — | — | — | — |
| Interest coverage | — | — | 86.24x | — | — | — | — | 0.87x | 0.91x | 5.58x | 0.88x | 0.16x |
| Buybacks as a share of market value | 208.7% | -0.6% | 0.0% | -25.8% | -19.3% | 13.8% | — | — | — | — | — | — |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 25.3% | 20.9% | 1.9% |
| Operating income | — | -4.2% | — |
| Net income | — | 2.2% | — |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 2.0% | -0.5% | -0.9% | -3.1% |
| Net margin | 1.9% | -0.4% | -1.0% | -3.2% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | -32.3 | 27.0 | 7.5 | -2.3 | -10.2 | 41.6 | 384.5 | -3.2 | -2.3 | 32.3 |
| Price to sales | -0.3 | 0.8 | 0.5 | 0.4 | 0.8 | 0.9 | 0.6 | 0.4 | 0.4 | 0.7 |
Dividends and splits
Per share, in the currency the company pays
Paid for 0 years. Last went ex-dividend on 1 Apr 2012.
| FY2012 | FY2011 | FY2010 | |
|---|---|---|---|
| Paid in the year | 3.002 | 1.877 | 1.126 |
- 1-to-1 reverse split · 26 Oct 2025
- 100-to-87.5 reverse split · 25 Apr 2021
- 100-to-40 reverse split · 27 Sept 2017
- 5-for-4 split · 3 Jun 2013
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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