Al Rajhi Co. for Cooperative Insurance (8230) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Al Rajhi Co. for Cooperative Insurance

Why is Al Rajhi Co. for Cooperative Insurance ?

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

Poor long term growth as Net Sales has grown by an annual rate of 18.86% and Operating profit at 0%

Flat results in Jun 25

OPERATING CASH FLOW(Y) Lowest at SAR -2,387.15 MM
DEBT-EQUITY RATIO (HY) Highest at -33.41 %

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 -53.43%, its profits have fallen by -15.1%

Underperformed the market in the last 1 year

Even though the market (Saudi Arabia All Share TASI) generated negative returns of -12.84% in the last 1 year, its fall in the stock was much higher with a return of -53.43%

Real-Time Research Report

Verdict Report

How 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

-53.71%

-1.62

30.48%

Saudi Arabia All Share TASI

-12.63%

-0.89

14.47%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

18.86%

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

Tax Ratio is Negative%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

13.94%

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

5.16

EV to EBIT

EV to EBITDA

274.23

EV to Capital Employed

7.38

EV to Sales

1.87

PEG Ratio

Dividend Yield

ROCE (Latest)

ROE (Latest)

14.61%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Mildly 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

6What is working for the Company

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

NET SALES(Q)

Highest at SAR 1,675.32 MM

OPERATING PROFIT(Q)

Highest at SAR 118.21 MM

PRE-TAX PROFIT(Q)

Highest at SAR 118.21 MM

NET PROFIT(Q)

Highest at SAR 111.57 MM

EPS(Q)

Highest at SAR 1.12

-3What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at SAR -2,387.15 MM

DEBT-EQUITY RATIO (HY)

Highest at -33.41 %

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

Net Sales

Highest at SAR 1,675.32 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (SAR MM)

Operating Profit

Highest at SAR 118.21 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (SAR MM)

Pre-Tax Profit

Highest at SAR 118.21 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (SAR MM)

Net Profit

Highest at SAR 111.57 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is positive

Net Profit (SAR MM)

EPS

Highest at SAR 1.12

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (SAR)

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

At SAR 12.34 MM has Grown at 56.49%

period on period (QoQ)

MOJO Watch

The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales

Depreciation (SAR MM)

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

Operating Cash Flow

Lowest at SAR -2,387.15 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (SAR MM)

Debt-Equity Ratio

Highest at -33.41 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio