ScoreWhy is Gulf Union Alahlia Cooperative Insurance Co. ?
1
Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 6.43%
- Poor long term growth as Net Sales has grown by an annual rate of 19.05% and Operating profit at 0%
- The company has been able to generate a Return on Equity (avg) of 6.43% signifying low profitability per unit of shareholders funds
2
Poor long term growth as Net Sales has grown by an annual rate of 19.05% and Operating profit at 0%
3
With a growth in Net Profit of 274.43%, the company declared Outstanding results in Mar 26
- INTEREST COVERAGE RATIO(Q) Highest at 9,822.16
- OPERATING PROFIT(Q) Highest at SAR 5.74 MM
- OPERATING PROFIT MARGIN(Q) Highest at 2.31 %
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 -18.74%, its profits have fallen by -206.9%
5
Underperformed the market in the last 1 year
- Even though the market (Saudi Arabia All Share TASI) generated negative returns of -0.13% in the last 1 year, its fall in the stock was much higher with a return of -18.74%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Gulf Union Alahlia Cooperative Insurance Co. 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 Gulf Union Alahlia Cooperative Insurance Co. for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Gulf Union Alahlia Cooperative Insurance Co.
-18.74%
-1.19
29.83%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
19.05%
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
100.00%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
6.43%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
0.80
EV to EBIT
NA
EV to EBITDA
0.94
EV to Capital Employed
0.14
EV to Sales
0.02
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
ROE (Latest)
-14.49%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bullish
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Bullish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
INTEREST COVERAGE RATIO(Q)
Highest at 9,822.16
OPERATING PROFIT(Q)
Highest at SAR 5.74 MM
OPERATING PROFIT MARGIN(Q)
Highest at 2.31 %
PRE-TAX PROFIT(Q)
Highest at SAR 5.69 MM
NET PROFIT(Q)
Highest at SAR 4.19 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
EPS(Q)
Highest at SAR 0.09
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at SAR -85.58 MM
NET SALES(Q)
Lowest at SAR 248.92 MM
Here's what is working for Gulf Union Alahlia Cooperative Insurance Co.
Interest Coverage Ratio
Highest at 9,822.16
in the last five periodsMOJO Watch
The company's ability to manage interest payments is improving
Operating Profit to Interest
Operating Profit
Highest at SAR 5.74 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (SAR MM)
Operating Profit Margin
Highest at 2.31 % and Grown
In each period in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at SAR 5.69 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (SAR MM)
Net Profit
Highest at SAR 4.19 MM and Grown
In each period in the last five periodsMOJO Watch
Near term Net Profit trend is very positive
Net Profit (SAR MM)
Pre-Tax Profit
At SAR 5.69 MM has Grown at 131.27%
over average net sales of the previous four periods of SAR -18.21 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (SAR MM)
Net Profit
At SAR 4.19 MM has Grown at 120.06%
over average net sales of the previous four periods of SAR -20.9 MMMOJO Watch
Near term Net Profit trend is positive
Net Profit (SAR MM)
EPS
Highest at SAR 0.09
in the last five periodsMOJO 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
Here's what is not working for Gulf Union Alahlia Cooperative Insurance Co.
Operating Cash Flow
Lowest at SAR -85.58 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (SAR MM)
Net Sales
Lowest at SAR 248.92 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (SAR MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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