Stock 8190 UNITED COOPERATIVE ASSURANCE COMPANY
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Financials United Cooperative Assurance Company

Equities

8190

SA121053VV10

Property & Casualty Insurance

End-of-day quote Saudi Arabian S.E.
Other stock markets
 06:00:00 2024-04-24 pm EDT 		5-day change 1st Jan Change
13.16 SAR -2.52% Intraday chart for United Cooperative Assurance Company +17.92% +50.57%
Apr. 21 United Cooperative Assurance Secures Saudi Regulatory Nod for Insurance Product MT
Apr. 16 United Cooperative Assurance Receives Insurance License Renewal MT

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 475.2 364.4 684 1,358 288 349.6
Enterprise Value (EV) 1 385.7 106.7 628.7 1,276 209.9 231.1
P/E ratio -7.9 x 48.3 x -15.6 x -18.4 x -6.72 x 67.2 x
Yield - - - - - -
Capitalization / Revenue 2.76 x 2.69 x 3.66 x 5.87 x 0.85 x 0.32 x
EV / Revenue 2.24 x 0.79 x 3.36 x 5.52 x 0.62 x 0.21 x
EV / EBITDA -6.55 x 6.08 x -47.8 x -20.7 x -5.88 x 17.8 x
EV / FCF -5.65 x -1.17 x -12 x 47.5 x 6.18 x 2.25 x
FCF Yield -17.7% -85.2% -8.33% 2.1% 16.2% 44.4%
Price to Book 1.32 x 0.97 x 2.04 x 5.37 x 1.4 x 1.32 x
Nbr of stocks (in thousands) 40,000 40,000 40,000 40,000 40,000 40,000
Reference price 2 11.88 9.110 17.10 33.95 7.200 8.740
Announcement Date 4/3/19 4/1/20 4/1/21 3/30/22 3/30/23 3/31/24
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 172.3 135.4 187 231.4 338 1,088
EBITDA 1 -58.84 17.56 -13.14 -61.7 -35.7 12.99
EBIT 1 -60.17 15.47 -15.88 -65.67 -39.86 9.65
Operating Margin -34.93% 11.42% -8.49% -28.38% -11.79% 0.89%
Earnings before Tax (EBT) 1 -60.17 15.54 -15.88 -65.67 -39.86 9.562
Net income 1 -60.17 7.539 -43.88 -73.67 -42.86 5.292
Net margin -34.93% 5.57% -23.47% -31.84% -12.68% 0.49%
EPS 2 -1.504 0.1885 -1.097 -1.842 -1.072 0.1300
Free Cash Flow 1 -68.22 -90.97 -52.37 26.85 33.94 102.5
FCF margin -39.6% -67.18% -28.01% 11.6% 10.04% 9.42%
FCF Conversion (EBITDA) - - - - - 789.32%
FCF Conversion (Net income) - - - - - 1,937.34%
Dividend per Share - - - - - -
Announcement Date 4/3/19 4/1/20 4/1/21 3/30/22 3/30/23 3/31/24
1SAR in Million2SAR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 89.5 258 55.3 81.6 78.1 119
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 -68.2 -91 -52.4 26.9 33.9 103
ROE (net income / shareholders' equity) -15.4% 2.04% -12.3% -25.1% -18.7% 2.03%
ROA (Net income/ Total Assets) -2.81% 0.83% -0.83% -3.71% -2.44% 0.88%
Assets 1 2,141 911.1 5,308 1,988 1,754 604.3
Book Value Per Share 2 9.020 9.420 8.380 6.330 5.140 6.630
Cash Flow per Share 2 2.240 6.440 1.540 2.190 2.100 3.060
Capex 1 0.56 7.2 6.07 2.75 5.52 5.46
Capex / Sales 0.33% 5.32% 3.25% 1.19% 1.63% 0.5%
Announcement Date 4/3/19 4/1/20 4/1/21 3/30/22 3/30/23 3/31/24
1SAR in Million2SAR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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1st Jan change Capi.
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