United Cooperative Assurance Co. (UCA) turned to a net profit of SAR 5.3 million in 2023, from a net loss of SAR 55.5 million a year earlier.
| Item | 2022 | 2023 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 821.84 | 1,029.42 | 25.3 % |
| Insurance Revenues | 634.33 | 1,061.77 | 67.4 % |
| Net Profit Before Zakat & Tax | (52.48) | 9.56 | 118.2 % |
| Net Income | (55.48) | 5.29 | 109.5 % |
| Average Shares | 40.00 | 40.00 | - |
| Earnings Per Share before unusual items (Riyals) | (1.39) | 0.13 | 109.5 % |
| EPS (Riyal) | (1.39) | 0.13 | 109.5 % |
Insurance revenues amounted SAR 1.06 billion, a rise of 67.38% year-on-year (YoY) driven by business growth.
Insurance services results grew 48% YoY on greater insurance revenues and enhanced claims management resulting in reduced incurred claims. Net profit of insurance service results stood at SAR 27.11 million in 2023, compared to a net loss of SAR 42.97 million a year earlier.
Net investment results rose 46% YoY to SAR 10.15 million, influenced by the increase in the investment return.
Moreover, gross written premiums (GWP) increased 25% YoY to SAR 1.02 billion.
| Item | Q4 2022 | Q4 2023 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 108.58 | 189.10 | 74.2 % |
| Insurance Revenues | 213.20 | 304.27 | 42.7 % |
| Net Profit Before Zakat & Tax | (4.43) | 16.64 | 475.9 % |
| Net Income | (4.43) | 14.73 | 432.7 % |
| Average Shares | 40.00 | 40.00 | - |
| Earnings Per Share before unusual items (Riyal) | (0.11) | 0.37 | 432.7 % |
| EPS (Riyal) | (0.11) | 0.37 | 432.7 % |
| Item | Q3 2023 | Q4 2023 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 244.23 | 189.10 | (22.6 %) |
| Insurance Revenues | 321.95 | 304.27 | (5.5 %) |
| Net Profit Before Zakat & Tax | 2.85 | 16.64 | 483.5 % |
| Net Income | 2.07 | 14.73 | 613.0 % |
| Average Shares | 40.00 | 40.00 | - |
| Earnings Per Share before unusual items (Riyal) | 0.05 | 0.37 | 613.0 % |
| EPS (Riyal) | 0.05 | 0.37 | 613.0 % |
| Item | 2022 | 2023 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 821.84 | 1,029.42 | 25.3 % |
| Insurance Revenues | 634.33 | 1,061.77 | 67.4 % |
| Insurance Services Income | (42.97) | 27.12 | 163.1 % |
| Investment Income | 6.98 | 10.15 | 45.4 % |
| Net Profit of Insurance Services and Investment | (34.39) | 34.58 | 200.6 % |
In the fourth quarter, the insurance services provider swung to a net profit of SAR 14.7 million from a net loss of SAR 4.43 million in Q4 2022.
Compared with Q3 2023, UCA's Q4 earnings soared from SAR 2.07 million.
Total shareholders’ equity, no minority interest, stood at SAR 265.15 million as of Dec. 31, 2023, compared to SAR 256.15 million in the prior-year period.
Accumulated losses reached SAR 180.6 million at the end of the current period, representing 45.14% of the company's capital.
| Period | Net Income | Change | EPS(Riyal) | Net Profit Before Zakat & Tax | Change |
|---|---|---|---|---|---|
| Q1 2009 | 16.89 | - | 0.57 | 18.27 | - |
| Q2 2009 | 13.81 | - | 0.46 | 15.19 | - |
| Q3 2009 | 26.03 | - | 0.88 | 27.42 | - |
| Q4 2009 | (1.85) | - | (0.06) | (0.47) | - |
| 2009 | 54.87 | - | 1.85 | 60.42 | - |
| Q1 2010 | (16.45) | (197.4 %) | (0.55) | (15.45) | (184.6 %) |
| Q2 2010 | 22.43 | 62.4 % | 0.76 | 23.96 | 57.7 % |
| Q3 2010 | 8.83 | (66.1 %) | 0.30 | 10.37 | (62.2 %) |
| Q4 2010 | 34.58 | 1966.3 % | 1.16 | 36.98 | 7984.0 % |
| 2010 | 49.38 | (10.0 %) | 1.66 | 55.85 | (7.6 %) |
| Q1 2011 | 10.06 | 161.1 % | 0.34 | 11.88 | 176.9 % |
| Q2 2011 | 9.51 | (57.6 %) | 0.32 | 11.20 | (53.3 %) |
| Q3 2011 | 6.73 | (23.8 %) | 0.23 | 8.48 | (18.2 %) |
| Q4 2011 | 16.54 | (52.2 %) | 0.56 | 19.11 | (48.3 %) |
| 2011 | 42.83 | (13.3 %) | 1.44 | 50.67 | (9.3 %) |
| Q1 2012 | 12.91 | 28.4 % | 0.43 | 13.64 | 14.9 % |
| Q2 2012 | 6.49 | (31.8 %) | 0.22 | 7.22 | (35.6 %) |
| Q3 2012 | 9.57 | 42.3 % | 0.32 | 10.30 | 21.5 % |
| Q4 2012 | (6.39) | (138.7 %) | (0.22) | (1.02) | (105.4 %) |
| 2012 | 22.58 | (47.3 %) | 0.76 | 30.14 | (40.5 %) |
| Q1 2013 | 14.21 | 10.0 % | 0.48 | 16.10 | 18.0 % |
| Q2 2013 | 6.56 | 1.1 % | 0.22 | 8.45 | 17.1 % |
| Q3 2013 | 0.24 | (97.5 %) | 0.01 | 0.96 | (90.7 %) |
| Q4 2013 | (105.14) | (1,544.3 %) | (3.54) | (103.76) | (10,032.3 %) |
| 2013 | (84.14) | (472.7 %) | (2.83) | (78.26) | (359.7 %) |
| Q1 2014 | 0.80 | (94.4 %) | 0.03 | 2.30 | (85.7 %) |
| Q2 2014 | (19.18) | (392.5 %) | (0.65) | (17.68) | (309.3 %) |
| Q3 2014 | 19.27 | 8101.7 % | 0.65 | 20.77 | 2075.3 % |
| Q4 2014 | (84.72) | 19.4 % | (2.85) | (85.69) | 17.4 % |
| 2014 | (83.83) | 0.4 % | (2.82) | (80.30) | (2.6 %) |
| Q1 2015 | 5.59 | 599.9 % | 0.14 | 6.59 | 186.7 % |
| Q2 2015 | 16.46 | 185.8 % | 0.41 | 17.46 | 198.7 % |
| Q3 2015 | 10.57 | (45.2 %) | 0.26 | 12.07 | (41.9 %) |
| Q4 2015 | (89.09) | (5.2 %) | (2.23) | (89.09) | (4.0 %) |
| 2015 | (56.48) | 32.6 % | (1.41) | (52.98) | 34.0 % |
| Q1 2016 | 18.24 | 226.2 % | 0.46 | 19.24 | 191.9 % |
| Q2 2016 | 42.16 | 156.2 % | 1.05 | 43.16 | 147.3 % |
| Q3 2016 | 23.09 | 118.5 % | 0.58 | 26.09 | 116.2 % |
| Q4 2016 | 10.28 | 111.5 % | 0.26 | 11.28 | 112.7 % |
| 2016 | 93.77 | 266.0 % | 2.34 | 99.77 | 288.3 % |
| Q1 2017 | 32.72 | 79.4 % | 0.82 | 34.22 | 77.8 % |
| Q2 2017 | 25.93 | (38.5 %) | 0.65 | 27.43 | (36.4 %) |
| Q3 2017 | (3.67) | (115.9 %) | (0.09) | (2.17) | (108.3 %) |
| Q4 2017 | (24.38) | (337.2 %) | (0.61) | (22.88) | (302.9 %) |
| 2017 | 30.61 | (67.4 %) | 0.77 | 36.61 | (63.3 %) |
| Q1 2018 | (9.11) | (127.8 %) | (0.23) | (7.61) | (122.2 %) |
| Q2 2018 | 1.08 | (95.8 %) | 0.03 | 3.08 | (88.8 %) |
| Q3 2018 | (13.94) | (280.4 %) | (0.35) | (11.94) | (451.4 %) |
| Q4 2018 | (42.20) | (73.1 %) | (1.06) | (43.70) | (91.0 %) |
| 2018 | (64.17) | (309.7 %) | (1.60) | (60.17) | (264.4 %) |
| Q1 2019 | (6.53) | 28.3 % | (0.16) | (5.53) | 27.3 % |
| Q2 2019 | 6.29 | 480.2 % | 0.16 | 7.29 | 136.3 % |
| Q3 2019 | 6.56 | 147.1 % | 0.16 | 7.56 | 163.3 % |
| Q4 2019 | 1.22 | 102.9 % | 0.03 | 6.22 | 114.2 % |
| 2019 | 7.54 | 111.7 % | 0.19 | 15.54 | 125.8 % |
| Q1 2020 | (5.09) | 22.0 % | (0.13) | (3.09) | 44.1 % |
| Q2 2020 | (3.42) | (154.3 %) | (0.09) | (1.42) | (119.4 %) |
| Q3 2020 | (15.20) | (331.6 %) | (0.38) | (13.20) | (274.6 %) |
| Q4 2020 | (20.18) | (1756.6 %) | (0.50) | 1.82 | (70.7 %) |
| 2020 | (43.88) | (682.0 %) | (1.10) | (15.88) | (202.2 %) |
| Q1 2021 | (28.99) | (469.5 %) | (0.72) | (26.99) | (773.5 %) |
| Q2 2021 | (8.53) | (149.8 %) | (0.21) | (6.53) | (361.5 %) |
| Q3 2021 | (20.44) | (34.5 %) | (0.51) | (18.44) | (39.7 %) |
| Q4 2021 | (15.72) | 22.1 % | (0.39) | (13.72) | (852.3 %) |
| 2021 | (73.67) | (67.9 %) | (1.84) | (65.67) | (313.5 %) |
| Q1 2022 | (21.59) | 25.5 % | (0.54) | (19.59) | 27.4 % |
| Q2 2022 | (14.59) | (71.0 %) | (0.36) | (14.59) | (123.4 %) |
| Q3 2022 | (14.88) | 27.2 % | (0.37) | (13.88) | 24.7 % |
| Q4 2022 | (4.43) | 71.8 % | (0.11) | (4.43) | 67.7 % |
| 2022 | (55.48) | 24.7 % | (1.39) | (52.48) | 20.1 % |
| Q1 2023 | (9.96) | 53.9 % | (0.25) | (9.88) | 49.6 % |
| Q2 2023 | (1.54) | 89.4 % | (0.04) | (0.05) | 99.6 % |
| Q3 2023 | 2.07 | 113.9 % | 0.05 | 2.85 | 120.5 % |
| Q4 2023 | 14.73 | 432.7 % | 0.37 | 16.64 | 475.9 % |
| 2023 | 5.29 | 109.5 % | 0.13 | 9.56 | 118.2 % |
| Period | Net Income | Change | EPS(Riyal) | Net Profit Before Zakat & Tax | Change |
|---|---|---|---|---|---|
| 2009 | 54.87 | - | 1.85 | 60.42 | - |
| 2010 | 49.38 | (10.0 %) | 1.66 | 55.85 | (7.6 %) |
| 2011 | 42.83 | (13.3 %) | 1.44 | 50.67 | (9.3 %) |
| 2012 | 22.58 | (47.3 %) | 0.76 | 30.14 | (40.5 %) |
| 2013 | (84.14) | (472.7 %) | (2.83) | (78.26) | (359.7 %) |
| 2014 | (83.83) | 0.4 % | (2.82) | (80.30) | (2.6 %) |
| 2015 | (56.48) | 32.6 % | (1.41) | (52.98) | 34.0 % |
| 2016 | 93.77 | 266.0 % | 2.34 | 99.77 | 288.3 % |
| 2017 | 30.61 | (67.4 %) | 0.77 | 36.61 | (63.3 %) |
| 2018 | (64.17) | (309.7 %) | (1.60) | (60.17) | (264.4 %) |
| 2019 | 7.54 | 111.7 % | 0.19 | 15.54 | 125.8 % |
| 2020 | (43.88) | (682.0 %) | (1.10) | (15.88) | (202.2 %) |
| 2021 | (73.67) | (67.9 %) | (1.84) | (65.67) | (313.5 %) |
| 2022 | (55.48) | 24.7 % | (1.39) | (52.48) | 20.1 % |
| 2023 | 5.29 | 109.5 % | 0.13 | 9.56 | 118.2 % |
| Period | Gross Written Premium (GWP) | Change | Insurance Services Income | Change | Net Profit of Insurance Services and Investment | Change |
|---|---|---|---|---|---|---|
| Q1 2009 | 304.57 | - | - | - | - | - |
| Q2 2009 | 187.72 | - | - | - | - | - |
| Q3 2009 | 230.85 | - | - | - | - | - |
| Q4 2009 | 185.73 | - | - | - | - | - |
| 2009 | 908.87 | - | - | - | - | - |
| Q1 2010 | 317.81 | 4.3 % | - | - | - | - |
| Q2 2010 | 213.65 | 13.8 % | - | - | - | - |
| Q3 2010 | 179.74 | (22.1 %) | - | - | - | - |
| Q4 2010 | 136.70 | (26.4 %) | - | - | - | - |
| 2010 | 847.90 | (6.7 %) | - | - | - | - |
| Q1 2011 | 381.46 | 20.0 % | - | - | - | - |
| Q2 2011 | 226.71 | 6.1 % | - | - | - | - |
| Q3 2011 | 208.92 | 16.2 % | - | - | - | - |
| Q4 2011 | 244.95 | 79.2 % | - | - | - | - |
| 2011 | 1,062.04 | 25.3 % | - | - | - | - |
| Q1 2012 | 435.26 | 14.1 % | - | - | - | - |
| Q2 2012 | 231.06 | 1.9 % | - | - | - | - |
| Q3 2012 | 160.31 | (23.3 %) | - | - | - | - |
| Q4 2012 | 192.30 | (21.5 %) | - | - | - | - |
| 2012 | 1,018.92 | (4.1 %) | - | - | - | - |
| Q1 2013 | 457.77 | 5.2 % | - | - | - | - |
| Q2 2013 | 235.08 | 1.7 % | - | - | - | - |
| Q3 2013 | 268.33 | 67.4 % | - | - | - | - |
| Q4 2013 | 331.80 | 72.5 % | - | - | - | - |
| 2013 | 1,292.98 | 26.9 % | - | - | - | - |
| Q1 2014 | 387.67 | (15.3 %) | - | - | - | - |
| Q2 2014 | 192.81 | (18.0 %) | - | - | - | - |
| Q3 2014 | 247.66 | (7.7 %) | - | - | - | - |
| Q4 2014 | 337.01 | 1.6 % | - | - | - | - |
| 2014 | 1,165.15 | (9.9 %) | - | - | - | - |
| Q1 2015 | 335.79 | (13.4 %) | - | - | - | - |
| Q2 2015 | 271.76 | 40.9 % | - | - | - | - |
| Q3 2015 | 313.53 | 26.6 % | - | - | - | - |
| Q4 2015 | 350.66 | 4.1 % | - | - | - | - |
| 2015 | 1,271.74 | 9.1 % | - | - | - | - |
| Q1 2016 | 347.60 | 3.5 % | - | - | - | - |
| Q2 2016 | 260.93 | (4.0 %) | - | - | - | - |
| Q3 2016 | 63.73 | (79.7 %) | - | - | - | - |
| Q4 2016 | 147.34 | (58.0 %) | - | - | - | - |
| 2016 | 819.60 | (35.6 %) | - | - | - | - |
| Q1 2017 | 108.91 | (68.7 %) | - | - | - | - |
| Q2 2017 | 251.43 | (3.6 %) | - | - | - | - |
| Q3 2017 | 116.29 | 82.5 % | - | - | - | - |
| Q4 2017 | 103.93 | (29.5 %) | - | - | - | - |
| 2017 | 580.57 | (29.2 %) | - | - | - | - |
| Q1 2018 | 104.02 | (4.5 %) | - | - | - | - |
| Q2 2018 | 88.76 | (64.7 %) | - | - | - | - |
| Q3 2018 | 120.93 | 4.0 % | - | - | - | - |
| Q4 2018 | 78.27 | (24.7 %) | - | - | - | - |
| 2018 | 391.97 | (32.5 %) | - | - | - | - |
| Q1 2019 | 114.41 | 10.0 % | - | - | - | - |
| Q2 2019 | 86.22 | (2.9 %) | - | - | - | - |
| Q3 2019 | 66.95 | (44.6 %) | - | - | - | - |
| Q4 2019 | 152.71 | 95.1 % | - | - | - | - |
| 2019 | 420.29 | 7.2 % | - | - | - | - |
| Q1 2020 | 240.65 | 110.3 % | - | - | - | - |
| Q2 2020 | 148.51 | 72.3 % | - | - | - | - |
| Q3 2020 | 128.75 | 92.3 % | - | - | - | - |
| Q4 2020 | 98.95 | (35.2 %) | - | - | - | - |
| 2020 | 616.86 | 46.8 % | - | - | - | - |
| Q1 2021 | 116.14 | (51.7 %) | - | - | - | - |
| Q2 2021 | 91.12 | (38.6 %) | - | - | - | - |
| Q3 2021 | 106.94 | (16.9 %) | - | - | - | - |
| Q4 2021 | 95.56 | (3.4 %) | - | - | - | - |
| 2021 | 409.76 | (33.6 %) | - | - | - | - |
| Q1 2022 | 308.47 | 165.6 % | (16.50) | - | (13.30) | - |
| Q2 2022 | 176.94 | 94.2 % | (19.58) | - | (3.57) | - |
| Q3 2022 | 227.85 | 113.1 % | (2.48) | - | (12.07) | - |
| Q4 2022 | 108.58 | 13.6 % | (4.41) | - | (5.46) | - |
| 2022 | 821.84 | 100.6 % | (42.97) | - | (34.39) | - |
| Q1 2023 | 409.08 | 32.6 % | (13.77) | 16.5 % | (10.02) | 24.7 % |
| Q2 2023 | 187.02 | 5.7 % | 6.33 | 132.3 % | 4.80 | 234.8 % |
| Q3 2023 | 244.23 | 7.2 % | 16.44 | 763.3 % | 19.57 | 262.1 % |
| Q4 2023 | 189.10 | 74.2 % | 18.12 | 510.7 % | 20.22 | 470.5 % |
| 2023 | 1,029.42 | 25.3 % | 27.12 | 163.1 % | 34.58 | 200.5 % |
| Period | Gross Written Premium (GWP) | Change | Insurance Services Income | Change | Net Profit of Insurance Services and Investment | Change |
|---|---|---|---|---|---|---|
| 2009 | 908.87 | - | - | - | - | - |
| 2010 | 847.90 | (6.7 %) | - | - | - | - |
| 2011 | 1,062.04 | 25.3 % | - | - | - | - |
| 2012 | 1,018.92 | (4.1 %) | - | - | - | - |
| 2013 | 1,292.98 | 26.9 % | - | - | - | - |
| 2014 | 1,165.15 | (9.9 %) | - | - | - | - |
| 2015 | 1,271.74 | 9.1 % | - | - | - | - |
| 2016 | 819.60 | (35.6 %) | - | - | - | - |
| 2017 | 580.57 | (29.2 %) | - | - | - | - |
| 2018 | 391.97 | (32.5 %) | - | - | - | - |
| 2019 | 420.29 | 7.2 % | - | - | - | - |
| 2020 | 616.86 | 46.8 % | - | - | - | - |
| 2021 | 409.76 | (33.6 %) | - | - | - | - |
| 2022 | 821.84 | 100.6 % | (42.97) | - | (34.39) | - |
| 2023 | 1,029.42 | 25.3 % | 27.12 | 163.1 % | 34.58 | 200.5 % |
| Period | Shares Outstanding (M) | EPS (Riyal) | Earnings Per Share before unusual items (Riyal) | Book Value (BV) |
|---|---|---|---|---|
| Q1 2009 | 29.69 | - | - | 6.41 |
| Q2 2009 | 29.69 | - | - | 6.33 |
| Q3 2009 | 29.69 | - | - | 6.34 |
| Q4 2009 | 29.69 | 1.85 | 1.85 | 8.27 |
| Q1 2010 | 29.69 | 0.73 | 0.73 | 7.72 |
| Q2 2010 | 29.69 | 1.02 | 1.02 | 8.48 |
| Q3 2010 | 29.69 | 0.44 | 0.44 | 8.78 |
| Q4 2010 | 29.69 | 1.66 | 1.66 | 9.94 |
| Q1 2011 | 29.69 | 2.56 | 2.56 | 10.27 |
| Q2 2011 | 29.69 | 2.12 | 2.12 | 9.92 |
| Q3 2011 | 29.69 | 2.05 | 2.05 | 10.11 |
| Q4 2011 | 29.69 | 1.44 | 1.44 | 10.69 |
| Q1 2012 | 29.69 | 1.54 | 1.54 | 11.12 |
| Q2 2012 | 29.69 | 1.44 | 1.44 | 10.66 |
| Q3 2012 | 29.69 | 1.53 | 1.53 | 10.98 |
| Q4 2012 | 29.69 | 0.76 | 0.76 | 10.77 |
| Q1 2013 | 29.69 | 0.80 | 0.80 | 11.26 |
| Q2 2013 | 29.69 | 0.81 | 0.81 | 11.47 |
| Q3 2013 | 29.69 | 0.49 | 0.49 | 11.48 |
| Q4 2013 | 29.69 | (2.83) | (2.83) | 7.95 |
| Q1 2014 | 29.69 | (3.28) | (3.28) | 8.01 |
| Q2 2014 | 29.69 | (4.15) | (4.15) | 7.38 |
| Q3 2014 | 29.69 | (3.51) | (3.51) | 8.06 |
| Q4 2014 | 29.69 | (2.82) | (2.82) | 5.16 |
| Q1 2015 | 40.00 | (1.98) | (1.98) | 9.14 |
| Q2 2015 | 40.00 | (1.09) | (1.09) | 9.51 |
| Q3 2015 | 40.00 | (1.30) | (1.30) | 9.68 |
| Q4 2015 | 40.00 | (1.41) | (1.41) | 7.37 |
| Q1 2016 | 40.00 | (1.10) | (1.10) | 7.77 |
| Q2 2016 | 40.00 | (0.45) | (0.45) | 8.87 |
| Q3 2016 | 40.00 | (0.14) | (0.14) | 9.40 |
| Q4 2016 | 40.00 | 2.34 | 2.34 | 9.74 |
| Q1 2017 | 40.00 | 2.71 | 2.71 | 10.58 |
| Q2 2017 | 40.00 | 2.30 | 2.30 | 11.24 |
| Q3 2017 | 40.00 | 1.63 | 1.63 | 11.15 |
| Q4 2017 | 40.00 | 0.77 | 0.77 | 10.53 |
| Q1 2018 | 40.00 | (0.28) | (0.28) | 10.35 |
| Q2 2018 | 40.00 | (0.90) | (0.90) | 10.40 |
| Q3 2018 | 40.00 | (1.16) | (1.16) | 10.05 |
| Q4 2018 | 40.00 | (1.60) | (1.60) | 9.02 |
| Q1 2019 | 40.00 | (1.54) | (1.54) | 8.87 |
| Q2 2019 | 40.00 | (1.41) | (1.41) | 9.02 |
| Q3 2019 | 40.00 | (0.90) | (0.90) | 9.19 |
| Q4 2019 | 40.00 | 0.19 | 0.19 | 9.39 |
| Q1 2020 | 40.00 | 0.22 | 0.22 | 9.36 |
| Q2 2020 | 40.00 | (0.02) | (0.02) | 9.27 |
| Q3 2020 | 40.00 | (0.56) | (0.56) | 8.89 |
| Q4 2020 | 40.00 | (1.10) | (1.10) | 8.32 |
| Q1 2021 | 40.00 | (1.69) | (1.69) | 7.54 |
| Q2 2021 | 40.00 | (1.82) | (1.82) | 7.31 |
| Q3 2021 | 40.00 | (1.95) | (1.95) | 6.63 |
| Q4 2021 | 40.00 | (1.84) | (1.84) | 6.25 |
| Q1 2022 | 40.00 | (1.66) | (1.66) | 7.15 |
| Q2 2022 | 40.00 | (1.81) | (1.81) | 6.79 |
| Q3 2022 | 40.00 | (1.67) | (1.67) | 6.42 |
| Q4 2022 | 40.00 | (1.39) | (1.39) | 6.40 |
| Q1 2023 | 40.00 | (1.10) | (1.10) | 6.15 |
| Q2 2023 | 40.00 | (0.77) | (0.77) | 6.12 |
| Q3 2023 | 40.00 | (0.35) | (0.35) | 6.17 |
| Q4 2023 | 40.00 | 0.13 | 0.13 | 6.63 |
| Period | Shares Outstanding (M) | EPS (Riyal) | Earnings Per Share before unusual items (Riyal) | Book Value (BV) |
|---|---|---|---|---|
| 2009 | 29.69 | 1.85 | 1.85 | 8.27 |
| 2010 | 29.69 | 1.66 | 1.66 | 9.94 |
| 2011 | 29.69 | 1.44 | 1.44 | 10.69 |
| 2012 | 29.69 | 0.76 | 0.76 | 10.77 |
| 2013 | 29.69 | (2.83) | (2.83) | 7.95 |
| 2014 | 29.69 | (2.82) | (2.82) | 5.16 |
| 2015 | 40.00 | (1.41) | (1.41) | 7.37 |
| 2016 | 40.00 | 2.34 | 2.34 | 9.74 |
| 2017 | 40.00 | 0.77 | 0.77 | 10.53 |
| 2018 | 40.00 | (1.60) | (1.60) | 9.02 |
| 2019 | 40.00 | 0.19 | 0.19 | 9.39 |
| 2020 | 40.00 | (1.10) | (1.10) | 8.32 |
| 2021 | 40.00 | (1.84) | (1.84) | 6.25 |
| 2022 | 40.00 | (1.39) | (1.39) | 6.40 |
| 2023 | 40.00 | 0.13 | 0.13 | 6.63 |
| Period | P/E | Recurring P/E |
|---|---|---|
| Q1 2009 | - | - |
| Q2 2009 | - | - |
| Q3 2009 | - | - |
| Q4 2009 | 16.13 | 16.13 |
| Q1 2010 | 45.85 | 45.85 |
| Q2 2010 | 23.12 | 23.12 |
| Q3 2010 | More than 100 | More than 100 |
| Q4 2010 | 15.05 | 15.05 |
| Q1 2011 | 10.18 | 10.18 |
| Q2 2011 | 12.40 | 12.40 |
| Q3 2011 | 12.87 | 12.87 |
| Q4 2011 | 19.11 | 19.11 |
| Q1 2012 | 25.49 | 25.49 |
| Q2 2012 | 20.37 | 20.37 |
| Q3 2012 | 20.63 | 20.63 |
| Q4 2012 | 39.32 | 39.32 |
| Q1 2013 | 39.33 | 39.33 |
| Q2 2013 | 39.85 | 39.85 |
| Q3 2013 | More than 100 | More than 100 |
| Q4 2013 | NEG | NEG |
| Q1 2014 | NEG | NEG |
| Q2 2014 | NEG | NEG |
| Q3 2014 | NEG | NEG |
| Q4 2014 | NEG | NEG |
| Q1 2015 | NEG | NEG |
| Q2 2015 | NEG | NEG |
| Q3 2015 | NEG | NEG |
| Q4 2015 | NEG | NEG |
| Q1 2016 | NEG | NEG |
| Q2 2016 | NEG | NEG |
| Q3 2016 | NEG | NEG |
| Q4 2016 | 6.81 | 6.81 |
| Q1 2017 | 6.36 | 6.36 |
| Q2 2017 | 7.26 | 7.26 |
| Q3 2017 | 10.90 | 10.90 |
| Q4 2017 | 20.61 | 20.61 |
| Q1 2018 | NEG | NEG |
| Q2 2018 | NEG | NEG |
| Q3 2018 | NEG | NEG |
| Q4 2018 | NEG | NEG |
| Q1 2019 | NEG | NEG |
| Q2 2019 | NEG | NEG |
| Q3 2019 | NEG | NEG |
| Q4 2019 | 48.34 | 48.34 |
| Q1 2020 | 36.53 | 36.53 |
| Q2 2020 | NEG | NEG |
| Q3 2020 | NEG | NEG |
| Q4 2020 | NEG | NEG |
| Q1 2021 | NEG | NEG |
| Q2 2021 | NEG | NEG |
| Q3 2021 | NEG | NEG |
| Q4 2021 | NEG | NEG |
| Q1 2022 | NEG | NEG |
| Q2 2022 | NEG | NEG |
| Q3 2022 | NEG | NEG |
| Q4 2022 | NEG | NEG |
| Q1 2023 | NEG | NEG |
| Q2 2023 | NEG | NEG |
| Q3 2023 | NEG | NEG |
| Q4 2023 | More than 100 | More than 100 |
| Period | P/E | Recurring P/E |
|---|---|---|
| 2009 | 16.13 | 16.13 |
| 2010 | 15.05 | 15.05 |
| 2011 | 19.11 | 19.11 |
| 2012 | 39.32 | 39.32 |
| 2013 | NEG | NEG |
| 2014 | NEG | NEG |
| 2015 | NEG | NEG |
| 2016 | 6.81 | 6.81 |
| 2017 | 20.61 | 20.61 |
| 2018 | NEG | NEG |
| 2019 | 48.34 | 48.34 |
| 2020 | NEG | NEG |
| 2021 | NEG | NEG |
| 2022 | NEG | NEG |
| 2023 | More than 100 | More than 100 |
Q4 2023
2023
| Period | Medical Insurance | Comprehensive Motor Insurance | energy-insurance | Engineering | Other classes |
|---|---|---|---|---|---|
| Q1 2009 | - | - | - | - | - |
| Q2 2009 | - | - | - | - | - |
| Q3 2009 | - | - | - | - | - |
| Q4 2009 | - | - | - | - | - |
| Q1 2010 | 107.33 | 145.19 | - | - | 65.91 |
| Q2 2010 | 64.08 | 75.18 | - | - | 75.02 |
| Q3 2010 | 97.18 | (14.65) | - | - | 97.84 |
| Q4 2010 | 41.86 | 51.59 | - | - | 44.03 |
| Q1 2011 | 117.87 | 198.06 | - | - | 66.34 |
| Q2 2011 | 54.13 | 106.84 | - | - | 66.55 |
| Q3 2011 | 65.35 | 88.62 | - | - | 58.69 |
| Q4 2011 | 64.32 | 102.73 | - | - | 79.27 |
| Q1 2012 | 116.08 | 219.75 | - | - | 100.19 |
| Q2 2012 | 35.11 | 100.83 | - | - | 95.89 |
| Q3 2012 | 32.49 | 69.22 | - | - | 61.16 |
| Q4 2012 | 39.02 | 87.84 | - | - | 66.50 |
| Q1 2013 | 57.67 | 293.74 | - | - | 106.36 |
| Q2 2013 | 31.01 | 112.34 | - | - | 91.74 |
| Q3 2013 | 32.92 | 163.10 | - | - | 72.32 |
| Q4 2013 | 31.49 | 104.00 | - | - | 196.31 |
| Q1 2014 | 71.81 | 188.97 | - | - | 126.90 |
| Q2 2014 | 27.99 | 93.15 | - | - | 71.67 |
| Q3 2014 | 39.27 | 130.56 | - | - | 77.83 |
| Q4 2014 | 27.34 | 172.45 | 35.12 | - | 102.09 |
| Q1 2015 | 31.70 | 207.02 | - | - | 97.07 |
| Q2 2015 | 16.54 | 164.98 | 41.33 | - | 48.90 |
| Q3 2015 | 51.39 | 160.54 | 41.33 | - | 60.27 |
| Q4 2015 | 23.96 | 262.03 | 41.33 | - | 23.34 |
| Q1 2016 | 23.23 | 263.08 | (1.43) | - | 62.72 |
| Q2 2016 | 6.54 | 152.18 | 30.20 | - | 72.01 |
| Q3 2016 | 17.96 | 5.24 | 30.28 | - | 10.25 |
| Q4 2016 | 17.94 | 71.30 | 30.28 | - | 27.81 |
| Q1 2017 | 18.95 | 5.65 | 25.87 | - | 58.44 |
| Q2 2017 | 2.39 | 91.16 | 26.32 | - | 131.56 |
| Q3 2017 | 9.04 | 61.60 | 26.32 | - | 19.33 |
| Q4 2017 | 45.26 | 15.39 | 26.32 | - | 16.96 |
| Q1 2018 | 25.10 | 21.09 | 30.60 | (8.65) | 35.88 |
| Q2 2018 | 11.14 | 37.09 | 24.65 | 6.52 | 9.36 |
| Q3 2018 | 16.28 | 37.55 | 24.65 | 36.06 | 6.38 |
| Q4 2018 | 6.40 | 19.42 | 24.65 | 18.19 | 9.61 |
| Q1 2019 | 10.35 | 11.35 | 39.09 | 11.16 | 42.47 |
| Q2 2019 | 3.78 | 11.99 | 30.90 | 28.45 | 11.10 |
| Q3 2019 | 7.59 | 6.54 | 30.90 | 5.99 | 15.93 |
| Q4 2019 | 7.86 | 10.67 | 30.90 | 89.42 | 13.86 |
| Q1 2020 | 8.16 | 64.79 | 33.93 | 85.58 | 48.17 |
| Q2 2020 | 9.21 | 75.99 | 29.20 | 13.02 | 21.10 |
| Q3 2020 | 16.81 | 60.18 | 29.20 | 5.13 | 17.43 |
| Q4 2020 | 7.33 | 33.64 | 29.20 | 16.37 | 12.42 |
| Q1 2021 | 30.48 | 32.10 | 25.46 | 6.10 | 22.00 |
| Q2 2021 | 15.61 | 16.02 | 24.15 | 4.30 | 31.04 |
| Q3 2021 | 29.14 | 17.70 | 24.15 | 22.85 | 13.09 |
| Q4 2021 | 25.74 | 37.35 | 24.15 | 4.48 | 3.83 |
| Q1 2022 | 31.39 | 107.02 | - | - | 170.06 |
| Q2 2022 | 21.49 | 67.50 | - | - | 87.95 |
| Q3 2022 | 16.76 | 58.78 | - | - | 152.31 |
| Q4 2022 | 11.21 | 88.65 | - | - | 8.72 |
| Q1 2023 | 58.46 | 274.90 | - | - | 75.72 |
| Q2 2023 | 11.13 | 110.40 | - | - | 65.49 |
| Q3 2023 | 15.19 | 145.21 | - | - | 83.82 |
| Q4 2023 | 19.25 | 129.51 | - | - | 40.34 |
| Period | Medical Insurance | Comprehensive Motor Insurance | energy-insurance | Engineering | Other classes |
|---|---|---|---|---|---|
| 2009 | 293.97 | 351.46 | - | - | 263.44 |
| 2010 | 310.45 | 257.31 | - | - | 282.79 |
| 2011 | 301.68 | 496.25 | - | - | 270.85 |
| 2012 | 222.69 | 477.64 | - | - | 323.74 |
| 2013 | 153.08 | 673.17 | - | - | 466.72 |
| 2014 | 166.42 | 585.13 | 140.48 | - | 273.13 |
| 2015 | 123.59 | 794.57 | 156.50 | - | 197.08 |
| 2016 | 65.67 | 491.81 | 89.33 | - | 172.78 |
| 2017 | 75.64 | 173.80 | 104.84 | - | 226.28 |
| 2018 | 58.93 | 115.16 | 104.54 | 52.12 | 61.23 |
| 2019 | 29.57 | 40.55 | 131.79 | 135.02 | 83.36 |
| 2020 | 41.51 | 234.60 | 121.54 | 120.10 | 99.12 |
| 2021 | 100.97 | 103.18 | 97.92 | 37.72 | 69.96 |
| 2022 | 80.86 | 321.94 | - | - | 419.04 |
| 2023 | 104.04 | 660.02 | - | - | 265.37 |
| Current | |
| Market Cap (M Riyal) | 121.60 |
| Shares Outstanding (M) | 40.00 |
| Recurring EPS ( Riyal) (TTM) | (5.99) |
| Book Value (BV) ( Riyal) | 0.44 |
| Par Value ( Riyal) | 10.00 |
| Recurring P/E (TTM) | Neg |
| P/E (TTM) | NEG |
| Price/Book | 6.86 |
| Return on Average Assets (%) (TTM) | (27.61 ) |
| Return on Average Equity (%) (TTM) | (180.81 ) |
| Return on Market Cap (%) | (201.15 ) |
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