Al-Etihad Cooperative Insurance Co. (8170) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Al-Etihad Cooperative Insurance Co.

Why is Al-Etihad Cooperative Insurance Co. ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 9.43%

Poor long term growth as Net Sales has grown by an annual rate of 10.78% and Operating profit at 0%
The company has been able to generate a Return on Equity (avg) of 9.43% signifying low profitability per unit of shareholders funds

Poor long term growth as Net Sales has grown by an annual rate of 10.78% and Operating profit at 0%

With a fall in Net Sales of -5.23%, the company declared Very Negative results in Sep 25

The company has declared negative results for the last 2 consecutive quarters
OPERATING CASH FLOW(Y) Lowest at SAR -215.95 MM
PRE-TAX PROFIT(Q) At SAR -31.19 MM has Fallen at -268.4%
NET PROFIT(Q) At SAR -33.43 MM has Fallen at -127.71%

Risky -

The stock is trading risky as compared to its average historical valuations
Over the past year, while the stock has generated a return of -59.70%, its profits have fallen by -169.8%
At the current price, the company has a high dividend yield of 4.9

Below par performance in long term as well as near term

Along with generating -59.70% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Al-Etihad Cooperative Insurance Co. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Al-Etihad Cooperative Insurance Co.

-100.0%

-1.82

32.80%

Saudi Arabia All Share TASI

-11.13%

-0.71

15.65%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

10.78%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

21.50%

Dividend Payout Ratio

61.06%

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

9.43%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Industry P/E

Price to Book Value

0.90

EV to EBIT

EV to EBITDA

16.59

EV to Capital Employed

0.71

EV to Sales

0.10

PEG Ratio

Dividend Yield

4.91%

ROCE (Latest)

ROE (Latest)

-9.65%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

3What is working for the Company

DEBT-EQUITY RATIO (HY)

Lowest at -18.04 %

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-27What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at SAR -215.95 MM

PRE-TAX PROFIT(Q)

At SAR -31.19 MM has Fallen at -268.4%

NET PROFIT(Q)

At SAR -33.43 MM has Fallen at -127.71%

NET SALES(HY)

At SAR 672.05 MM has Grown at -18.55%

INTEREST(HY)

At SAR 0.1 MM has Grown at 60.94%

ROCE(HY)

Lowest at -18.18%

Here's what is working for Al-Etihad Cooperative Insurance Co.

Debt-Equity Ratio

Lowest at -18.04 % and Grown

In each half year in the last five Semi-Annual periods

MOJO Watch

The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Al-Etihad Cooperative Insurance Co.

Pre-Tax Profit

At SAR -31.19 MM has Fallen at -268.4%

over average net sales of the previous four periods of SAR -8.46 MM

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (SAR MM)

Net Profit

At SAR -33.43 MM has Fallen at -127.71%

over average net sales of the previous four periods of SAR -14.68 MM

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (SAR MM)

Operating Cash Flow

Lowest at SAR -215.95 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (SAR MM)

Net Sales

At SAR 672.05 MM has Grown at -18.55%

Year on Year (YoY)

MOJO Watch

Near term sales trend is negative

Net Sales (SAR MM)

Interest

At SAR 0.1 MM has Grown at 60.94%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (SAR MM)