SALAMA Cooperative Insurance Co

SAU:8050Financial ServicesTADAWUL:TISItasi

SAR 7.10+0.71%At closeAt close · Mon 19 Oct · ≈ AED 6.95 · Market cap $54.56M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	95.7%	94.6%	86.4%	82.6%	82.5%	79.9%	—	—
Operating margin	3.2%	−24.9%	−6.3%	7.4%	4.7%	−17.4%	−17.4%	+0.0 pts
Net margin	1.7%	−26.4%	−6.8%	6.8%	5.0%	−17.7%	−17.7%	+0.0 pts
EBITDA margin	6.3%	−21.9%	−8.5%	8.3%	5.8%	−16.1%	—	—
Return on equity	3.3%	−115.4%	−63.9%	25.0%	11.8%	−33.9%	−33.9%	+0.0 pts
Return on assets	1.0%	−18.3%	−5.8%	6.4%	4.0%	−11.3%	−11.3%	+0.0 pts
Return on capital employed	2.5%	−17.7%	−5.4%	7.3%	4.2%	−11.3%	—	—
Debt / equity	0.1×	0.2×	0.4×	0.1×	0.1×	0.1×	0.1×	+0.0%
Debt / assets	2.8%	3.3%	3.2%	2.5%	2.5%	1.9%	—	—
Interest coverage	10.0×	−79.8×	−16.9×	27.7×	8.9×	−28.3×	—	—
Current ratio	0.8×	10.2×	43.3×	9.2×	5.5×	35.4×	35.4×	+0.0%
Quick ratio	0.8×	10.2×	43.3×	9.2×	5.5×	35.4×	—	—
Cash ratio	0.8×	10.0×	42.7×	8.4×	4.0×	23.8×	23.8×	+0.0%
Asset turnover	0.6×	0.7×	0.9×	0.9×	0.8×	0.6×	—	—
Receivables turnover	—	—	—	—	90.0×	3.8×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—

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.