ScoreWhy is Al-Etihad Cooperative Insurance Co. ?
1
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
2
Poor long term growth as Net Sales has grown by an annual rate of 10.78% and Operating profit at 0%
3
With a fall in PBT of -658.3%, the company declared Very Negative results in Jun 25
- The company has declared negative results for the last 2 consecutive quarters
- OPERATING CASH FLOW(Y) Lowest at SAR -262.9 MM
- NET SALES(HY) At SAR 638.7 MM has Grown at -17.73%
- ROCE(HY) Lowest at -12.03%
4
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 -52.25%, its profits have fallen by -169.8%
- At the current price, the company has a high dividend yield of 4.9
5
Below par performance in long term as well as near term
- Along with generating -52.25% 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 ReportHow 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.
-52.36%
-1.83
29.58%
Saudi Arabia All Share TASI
-12.63%
-0.89
14.47%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.78%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
21.50%
Dividend Payout Ratio
61.06%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
9.43%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.90
EV to EBIT
NA
EV to EBITDA
16.59
EV to Capital Employed
0.71
EV to Sales
0.10
PEG Ratio
NA
Dividend Yield
4.91%
ROCE (Latest)
ROE (Latest)
-9.65%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend1What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
-29What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR -262.9 MM
NET SALES(HY)
At SAR 638.7 MM has Grown at -17.73%
ROCE(HY)
Lowest at -12.03%
OPERATING PROFIT(Q)
Lowest at SAR -61.3 MM
OPERATING PROFIT MARGIN(Q)
Lowest at -18.32 %
PRE-TAX PROFIT(Q)
Lowest at SAR -61.35 MM
NET PROFIT(Q)
Lowest at SAR -63.6 MM
EPS(Q)
Lowest at SAR -1.27
Here's what is working for Al-Etihad Cooperative Insurance Co.
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
Depreciation
Highest at SAR 2.61 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (SAR MM)
Here's what is not working for Al-Etihad Cooperative Insurance Co.
Pre-Tax Profit
At SAR -61.35 MM has Fallen at -411.26%
over average net sales of the previous four periods of SAR 19.71 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (SAR MM)
Net Profit
At SAR -63.6 MM has Fallen at -569.2%
over average net sales of the previous four periods of SAR 13.55 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (SAR MM)
Operating Profit
Lowest at SAR -61.3 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite negative
Operating Profit (SAR MM)
Operating Profit Margin
Lowest at -18.32 % and Fallen
In each period in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at SAR -61.35 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (SAR MM)
Net Profit
Lowest at SAR -63.6 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very negative
Net Profit (SAR MM)
Net Sales
At SAR 638.7 MM has Grown at -17.73%
Year on Year (YoY)MOJO Watch
Near term sales trend is negative
Net Sales (SAR MM)
Operating Cash Flow
Lowest at SAR -262.9 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
EPS
Lowest at SAR -1.27
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (SAR)
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