Al Sagr Cooperative Insurance Company Sjsc

The company maintains a strong liquidity position with cash and equivalents amounting to SAR 146,106,400, representing 26.02% of total assets. The debt-to-equity ratio is 0.01, indicating a conservative capital structure with minimal leverage. Free cash flow of SAR 8,143,420 suggests the company generates sufficient cash to support operations and potentially fund growth initiatives. Profitability metrics show a return on equity of 3.61% and a return on assets of 1.32%, which are below the industry median for multiline insurance companies. This suggests the company is underperforming in terms of capital efficiency and asset utilization. The company operates in a single business segment focused on insurance and asset management, with all revenue generated domestically in Saudi Arabia. This geographic concentration exposes the company to local economic and regulatory risks. The company reported operating income of SAR 8,826,250 and net income of SAR 7,426,250 in the latest reporting period. While the company is profitable, there is no indication of significant revenue growth in the near term. The company presents low liquidity and dilution risk, with no immediate filing-based flags detected. The low debt-to-equity ratio and strong cash position reduce the likelihood of near-term financial distress. No dilution pressure is expected in the near term, as shares outstanding remain unchanged between basic and diluted measures. Recent filings and transcripts do not indicate any material events or strategic shifts. The company appears to be maintaining a stable operational profile without significant new initiatives or challenges.