A 
Al Rajhi Company for Cooperative Insurance SJSC 8230.SR · SAR
Financials · Tadawul · 🇸🇦 Saudi Arabia
48.66
+3.49%
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 4.55bn
FY2016FY2025
Net income
SAR 455.0m
FY2016FY2025
Total assets
SAR 14.18bn
FY2016FY2025
Shareholders' equity
SAR 2.54bn
FY2016FY2025
Income statement
Fiscal years
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue, before interest expense | SAR 4.55bn | SAR 5.18bn | SAR 3.77bn | SAR 2.44bn | SAR 2.39bn | SAR 2.44bn | SAR 2.75bn | SAR 2.97bn | SAR 2.86bn | SAR 1.59bn |
| Operating income | SAR 468.9m | SAR 329.3m | SAR 337.5m | SAR 82.6m | SAR 125.5m | SAR 278.0m | SAR 118.5m | SAR 203.8m | SAR 201.8m | SAR 99.0m |
| Net income | SAR 455.0m | SAR 332.3m | SAR 328.1m | SAR 72.4m | SAR 108.6m | SAR 253.2m | SAR 95.8m | SAR 184.3m | SAR 201.8m | SAR 99.0m |
| Diluted earnings per share | 4.55 | 3.32 | 3.28 | 0.72 | 2.71 | 6.33 | 2.40 | 4.62 | 5.05 | 2.48 |
Balance sheet
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | SAR 14.18bn | SAR 12.09bn | SAR 6.82bn | SAR 5.43bn | SAR 4.64bn | SAR 4.36bn | SAR 3.60bn | SAR 3.72bn | SAR 3.63bn | SAR 2.53bn |
| Cash and short-term investments | SAR 836.5m | SAR 940.5m | SAR 905.1m | SAR 987.1m | SAR 894.1m | SAR 1.18bn | SAR 735.3m | SAR 633.2m | SAR 902.2m | SAR 477.3m |
| Total liabilities | SAR 11.65bn | SAR 10.01bn | SAR 5.10bn | SAR 4.14bn | SAR 3.37bn | SAR 3.25bn | SAR 2.73bn | SAR 2.95bn | SAR 3.04bn | SAR 2.10bn |
| Debt | SAR 6.6m | SAR 7.0m | SAR 41.5m | SAR 49.2m | SAR 54.5m | SAR 42.7m | SAR 7.0m | — | — | — |
| Shareholders' equity | SAR 2.54bn | SAR 2.08bn | SAR 1.72bn | SAR 1.29bn | SAR 1.27bn | SAR 1.11bn | SAR 875.2m | SAR 768.4m | SAR 598.1m | SAR 429.5m |
| Shares outstanding | 100m | 100m | 100m | 100m | 40m | 40m | 40m | 40m | 40m | 40m |
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 1.43bn | SAR 1.60bn | SAR 1.01bn | SAR 1.42bn | SAR 1.01bn | SAR 1.11bn | SAR 1.29bn | SAR 1.62bn |
| Operating income | — | — | SAR 1.42bn | SAR 91.6m | SAR 118.2m | SAR 96.8m | SAR 53.3m | SAR 86.5m |
| Net income | SAR 94.3m | SAR 113.5m | SAR 167.0m | SAR 85.6m | SAR 111.6m | SAR 90.8m | SAR 49.0m | SAR 82.3m |
| Diluted earnings per share | 0.47 | 0.57 | 1.67 | 0.86 | 1.12 | 0.91 | 0.49 | 0.82 |
| Total assets | SAR 14.67bn | SAR 13.94bn | SAR 14.18bn | SAR 14.58bn | SAR 13.71bn | SAR 13.23bn | SAR 12.09bn | SAR 10.51bn |
| Cash and short-term investments | — | — | SAR 836.5m | SAR 778.3m | SAR 945.6m | SAR 958.5m | SAR 940.5m | SAR 969.9m |
| Debt | — | — | SAR 6.6m | — | — | — | SAR 7.0m | — |
| Shareholders' equity | SAR 2.78bn | SAR 2.67bn | SAR 2.54bn | SAR 2.35bn | SAR 2.28bn | SAR 2.17bn | SAR 2.08bn | SAR 2.00bn |
Financial ratios
Data as of 10 Oct 2026
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2016 | FY2015 | FY2011 | |
|---|---|---|---|---|---|---|---|---|---|
| Operating margin | 10.3% | 6.4% | 9.0% | 3.4% | 5.3% | 11.4% | — | — | — |
| Net margin | 10.0% | 6.4% | 8.7% | 3.0% | 4.6% | 10.4% | — | — | — |
| Return on equity | 17.9% | 16.0% | 19.0% | 5.6% | 8.5% | 22.8% | — | — | — |
| Return on assets | 3.2% | 2.7% | 4.8% | 1.3% | 2.3% | 5.8% | — | — | — |
| Revenue growth | -12.2% | 37.3% | 54.8% | 2.0% | -2.1% | -11.2% | — | — | — |
| Earnings growth | 36.9% | 1.3% | 353.2% | -33.3% | -57.1% | 164.2% | — | — | — |
| Current ratio | 11.42x | 0.04x | 2.57x | 2.40x | 4.64x | 4.76x | — | — | — |
| Debt to equity | 0.00x | 0.00x | 0.00x | 0.01x | 0.00x | 0.00x | — | — | — |
| Equity ratio | 17.9% | 17.2% | 25.2% | 23.7% | 27.4% | 25.5% | — | — | — |
| Interest coverage | 8.45x | 33.25x | 9.84x | — | — | — | 25.82x | 14.03x | -3.74x |
| Buybacks as a share of market value | 0.0% | -0.0% | 0.0% | -150.0% | 0.0% | 0.0% | — | — | — |
Growth per year
Compound annual rate
| 3 years | 5 years | 10 years | |
|---|---|---|---|
| Revenue | 23.1% | 13.3% | 16.0% |
| Operating income | 78.4% | 11.0% | 27.1% |
| Net income | 84.5% | 12.4% | 28.1% |
Average margins
Over each period
| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Operating margin | 8.2% | 7.6% | 7.8% | 7.2% |
| Net margin | 8.1% | 7.5% | 7.5% | 6.8% |
Valuation history
At each fiscal year end
| FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Price to earnings | 8.6 | 25.8 | 10.8 | 24.7 | 5.7 | 2.6 | 5.3 | 2.9 | 2.3 | 3.1 |
| Price to sales | 0.9 | 1.7 | 0.9 | 0.7 | 0.3 | 0.3 | 0.2 | 0.2 | 0.2 | 0.2 |
Dividends and splits
Per share, in the currency the company pays
Paid for 0 years.
- 5-for-2 split · 4 Dec 2023
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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