Al Rajhi Company for Cooperative Insurance (TADAWUL:8230)

Saudi Arabia · Delayed Price · Currency is SAR

46.92

+0.42 (0.90%)

Nov 5, 2026, 3:18 PM AST

TADAWUL:8230 Financials Overview

Financials in millions SAR. Fiscal year is January - December.

Millions SAR. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	5,891	5,136	4,817	3,609	2,580	2,387
Revenue Growth	15.87%	6.62%	33.48%	39.88%	8.11%	-2.11%
Operating Income	552.96	561.59	384.34	413.76	69.92	115.38
Net Income	462.18	454.98	332.34	328.06	72.39	98.47
Earnings Per Share	2.32	2.27	1.66	1.64	0.36	0.49
EPS Growth	37.42%	36.90%	1.31%	353.18%	-26.48%	-56.63%

Revenue by Segment

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Medical / Health	1,594	1,481	974.49	549.38	278.71
Motor	2,315	2,605	2,259	1,498	1,782
Protection & Savings	714.24	227.2	137.49	385.36	172.59
Property & Casualty	203.68	183.65	6.77	57.05	70.32
Un-Allocated	214.92	251.89	155.24	90.31	-
Total	5,041	4,749	3,533	2,580	2,387

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	539.59	552.56	685.78	900.44	559.09	458.81
Total Debt	34.39	31.26	38.79	41.48	49.22	54.48
Net Cash (Debt)	505.19	521.31	646.99	858.96	509.87	404.32
Net Cash Growth	-18.27%	-19.43%	-24.68%	68.47%	26.10%	-50.08%
Net Cash Per Share	2.53	2.61	3.23	4.29	2.55	2.02

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	-226.05	-384.95	-454.68	1,012	470.66	177.5
Capital Expenditures	-13.68	-13.68	-9.57	-11.04	-28.88	-32.56
Free Cash Flow	-239.73	-398.64	-464.25	1,001	441.79	144.95
Free Cash Flow Growth	-	-	-	126.48%	204.80%	-58.25%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Margin	9.39%	10.94%	7.98%	11.46%	2.71%	4.83%
Pretax Margin	7.93%	9.13%	6.84%	9.35%	3.20%	4.83%
Profit Margin	7.85%	8.86%	6.90%	9.09%	2.81%	4.13%
FCF Margin	-4.07%	-7.76%	-9.64%	27.73%	17.12%	6.07%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 7, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	20.27	17.05	51.63	21.64	49.45	31.56
Forward PE	17.19	27.90	33.30	31.62	31.62	28.68
P/FCF Ratio	-	-	-	7.10	8.10	21.44
PS Ratio	1.59	1.51	3.56	1.97	1.39	1.30