Gulf Union Alahlia Cooperative Insurance Co

SAU:8120Financial ServicesTADAWUL:TISItasi

SAR 12.50−0.79%At closeAt close · Mon 19 Oct · ≈ AED 12.24 · Market cap $151.27M

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	90.0%	90.9%	75.1%	79.0%	79.4%	78.5%	—	—
Operating margin	−8.3%	−22.5%	−3.8%	20.3%	7.0%	7.8%	7.8%	+0.0 pts
Net margin	−9.7%	−22.8%	−4.2%	20.0%	5.9%	−9.0%	−7.8%	+1.2 pts
EBITDA margin	−7.3%	−20.2%	−0.4%	23.1%	9.5%	−5.6%	—	—
Return on equity	−16.7%	−106.9%	−5.5%	22.8%	7.0%	−14.7%	−12.8%	+1.9 pts
Return on assets	−4.0%	−15.2%	−1.7%	11.7%	3.6%	−7.2%	−6.3%	+0.9 pts
Return on capital employed	−3.7%	−17.4%	−1.7%	13.2%	4.4%	6.3%	—	—
Debt / equity	0.0×	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Debt / assets	0.7%	0.7%	0.6%	1.0%	0.7%	0.5%	—	—
Interest coverage	−58.3×	−222.7×	−60.8×	238.8×	119.1×	165.0×	—	—
Current ratio	4.6×	2.7×	3.2×	6.1×	2.1×	71.8×	71.8×	+0.0%
Quick ratio	4.6×	2.7×	3.2×	6.1×	2.1×	71.8×	—	—
Cash ratio	2.1×	0.9×	0.9×	0.5×	2.1×	15.5×	15.5×	+0.0%
Asset turnover	0.4×	0.7×	0.4×	0.6×	0.6×	0.8×	—	—
Receivables turnover	—	—	—	45.9×	31.5×	28.0×	—	—
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.