The Company For Cooperative Insurance

SAU:8010Financial ServicesTADAWUL:TISItasi

SAR 82.00−2.96%At closeAt close · Mon 19 Oct · ≈ AED 80.31 · Market cap $5.01B · Next earnings Thu 29 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	94.6%	95.8%	92.3%	91.6%	89.8%	100.0%	—	—
Operating margin	7.7%	4.5%	3.9%	5.2%	6.9%	5.5%	5.5%	+0.0 pts
Net margin	6.0%	3.5%	3.0%	4.4%	6.2%	5.0%	5.0%	+0.0 pts
EBITDA margin	8.1%	4.9%	5.8%	5.5%	7.6%	6.5%	—	—
Return on equity	15.8%	9.5%	9.0%	17.0%	22.8%	20.6%	20.6%	+0.0 pts
Return on assets	3.1%	2.0%	1.6%	3.3%	4.9%	5.1%	5.1%	+0.0 pts
Return on capital employed	4.6%	2.7%	2.2%	14.2%	19.0%	5.9%	—	—
Debt / equity	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Debt / assets	2.8%	0.3%	0.2%	0.3%	0.6%	0.6%	—	—
Interest coverage	0.0×	43.8×	61.9×	0.0×	0.0×	0.0×	—	—
Current ratio	1.9×	3.7×	2.0×	1.3×	0.2×	9.1×	9.1×	+0.0%
Quick ratio	1.9×	3.7×	2.0×	1.3×	1.6×	9.1×	—	—
Cash ratio	0.2×	1.2×	1.2×	0.1×	0.1×	2.0×	2.0×	+0.0%
Asset turnover	0.5×	0.6×	0.5×	0.8×	0.8×	1.0×	—	—
Inventory turnover	—	—	—	—	−0.1×	—	—	—
Receivables turnover	—	—	—	3.8×	4.8×	3.8×	—	—
Dividend payout	0.0%	33.8%	0.0%	20.3%	14.5%	20.5%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.