ScoreWhy is Al Rajhi Co. for Cooperative Insurance ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 13.94%
- Poor long term growth as Net Sales has grown by an annual rate of 18.86% and Operating profit at 0%
- The company has been able to generate a Return on Equity (avg) of 13.94% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Net Sales has grown by an annual rate of 18.86% and Operating profit at 0%
3
Flat results in Sep 25
- OPERATING CASH FLOW(Y) Lowest at SAR -4,402.79 MM
- ROCE(HY) Lowest at 15.51%
- DEBT-EQUITY RATIO (HY) Highest at -31.82 %
4
With ROE of 14.61%, it has a very expensive valuation with a 5.16 Price to Book Value
- Over the past year, while the stock has generated a return of -58.87%, its profits have fallen by -15.1%
5
Below par performance in long term as well as near term
- Along with generating -58.87% 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 hold?
- Overall Portfolio exposure to Al Rajhi Co. for Cooperative Insurance should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Al Rajhi Co. for Cooperative Insurance for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Al Rajhi Co. for Cooperative Insurance
-59.31%
-1.60
34.54%
Saudi Arabia All Share TASI
-11.13%
-0.71
15.65%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
18.86%
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
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
13.94%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
35
Industry P/E
Price to Book Value
5.16
EV to EBIT
NA
EV to EBITDA
274.23
EV to Capital Employed
7.38
EV to Sales
1.87
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
14.61%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
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
No Trend
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
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR -4,402.79 MM
ROCE(HY)
Lowest at 15.51%
DEBT-EQUITY RATIO
(HY)
Highest at -31.82 %
Here's what is working for Al Rajhi Co. for Cooperative Insurance
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 Rajhi Co. for Cooperative Insurance
Operating Cash Flow
Lowest at SAR -4,402.79 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
Debt-Equity Ratio
Highest at -31.82 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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