Amana Cooperative Insurance Company SJSC

Amana Cooperative Insurance Company SJSC has a liquidity position characterized by a cash and equivalents balance of SAR 101.5 million, representing 32.7% of total assets. The company's liquidity FPT (free cash flow to total assets) is negative at -3.0%, indicating a cash outflow relative to asset base. The debt-to-equity ratio is 0.0, reflecting no long-term debt obligations. The company's profitability metrics show a return on equity (ROE) of -4.27% and a return on assets (ROA) of -2.46%, both below the industry median for multiline insurers. Operating and net losses of SAR 6.9 million and SAR 13.3 million, respectively, indicate a challenging earnings environment. Amana Cooperative Insurance Company SJSC operates as a single-segment entity with no disclosed geographic revenue concentration data. The company's insurance offerings span health, motor, property, engineering, marine cargo, and miscellaneous accident coverage, with no material revenue concentration to any single product line. The company's growth trajectory is constrained by a negative operating and net income trend. No revenue history is provided, but the current financial performance suggests a lack of top-line expansion. The outlook for the current fiscal year is not explicitly provided, but the negative operating cash flow of SAR 27.2 million and free cash flow outflow of SAR 16.3 million suggest operational challenges. Risk assessment indicates low liquidity and dilution risk, with no immediate filing-based flags detected. The company's capital structure is free of long-term debt, and no dilution sources were identified in the filings. The absence of dilution risk is supported by equal basic and diluted share counts of 43 million shares. No recent events, filings, or transcripts were disclosed in the provided data. The company's financial snapshot does not include any material developments that would impact its operational or financial strategy.