United Cooperative Assurance Company (TADAWUL:8190)
Saudi Arabia flag Saudi Arabia · Delayed Price · Currency is SAR
3.380
+0.030 (0.90%)
Sep 10, 2026, 3:10 PM AST

TADAWUL:8190 Financials Overview

Millions SAR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
618.35869.061,0591,088658.27231.41
Revenue Growth
-39.55%-17.90%-2.70%65.26%184.46%23.77%
Operating Income
-157.11-259.2-119.65-52.37-65.67
Net Income
-159.1-256.22-15.065.29-55.48-73.67
Earnings Per Share
-3.98-6.41-0.380.13-1.39-1.84
EPS Growth
------

Revenue by Segment

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Medical
11.0731.54102.72102.35100.3961.51
Motor
420.99598.66605.82531.5222.1114.53
Engineering
168.76195.17149.57296.07134.8524.17
Others
15.7822.6527.5626.8836.4815.05
Unallocated Commission Income from Financial assets not measured at FVTPL
6.6210.914.569.418.119.36
Energy
-10.3161.65102.27142.13.24
Unallocated Share of Surplus from Insurance Pools
-0.04-13.8314.2-
Unallocated Net Finance Expense from Insurance Contracts
--3.52----
Unallocated Net Finance Income from Reinsurance Contracts Held
-1.53----
Unallocated Other Income
-1.79-3.374.771.163.66
Unallocated Net Gain on Investments Measured At FVTPL
--00.74-1.32-
Total
618.35869.061,0591,088658.27230.67

Cash & Debt

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
80.2723.7473.03122.2883.9687.77
Total Debt
4.95-1.383.785.846.19
Net Cash (Debt)
75.3123.7471.66118.578.1281.58
Net Cash Growth
104.77%-66.86%-39.53%51.69%-4.24%47.42%
Net Cash Per Share
1.880.591.792.961.962.04

Cash Flow & CapEx

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-136.18-183.28-10.7921.077.2-5.93
Capital Expenditures
4.21-0.57-12.06-5.46-5.52-2.75
Free Cash Flow
-131.97-183.84-22.8515.611.68-8.68
Free Cash Flow Growth
---828.00%--

Margins

Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Margin
-25.41%-29.83%-1.04%0.89%-7.95%-28.38%
Pretax Margin
-25.49%-29.83%-1.04%0.88%-7.97%-28.38%
Profit Margin
-25.73%-29.48%-1.42%0.49%-8.43%-31.84%
FCF Margin
-21.34%-21.15%-2.16%1.44%0.26%-3.75%

Valuation

Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingNov '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
---66.06--
P/FCF Ratio
---22.40171.23-
PS Ratio
0.220.170.340.320.445.87