Arabia Insurance Cooperative Company SJSC

Arabia Insurance Cooperative Company SJSC has a liquidity position that is currently rated as low, with a debt-to-equity ratio of 0.01, indicating minimal leverage and a strong equity base. The company's liquidity is supported by cash and equivalents of SAR 25,396,000 and a total equity of SAR 570,982,480. However, the company reported a negative free cash flow of SAR -42,033,280, which may signal potential short-term liquidity constraints.

Profitability metrics for the company are negative, with a return on equity (ROE) of -7.91% and a return on assets (ROA) of -3.6%. These figures are below the typical performance benchmarks for the insurance industry, which often emphasize stable underwriting margins and investment returns. The company's operating and net income were both negative, at SAR -34,181,300 and SAR -45,181,300, respectively, indicating a challenging underwriting environment or investment performance.

The company's revenue is concentrated in its core insurance operations, with no disclosed segmental breakdown. Geographically, it is primarily exposed to the Saudi Arabian market, which is a high-growth but highly competitive region for insurance services. There is no indication of significant diversification across geographic regions or product lines in the available data.

The company's growth trajectory appears to be under pressure, with no clear indication of revenue expansion in the most recent financial period. The operating cash flow of SAR 122,131,000 is a positive sign, but it is not sufficient to offset the negative free cash flow. The company's capital expenditures were SAR -5,388,540, suggesting minimal investment in new capacity or technology.

Risk factors for the company include its negative net income and operating income, which could affect its ability to maintain solvency and meet regulatory capital requirements. The company has a low dilution risk, with no immediate filing-based liquidity or dilution flags detected. However, the negative earnings may pressure the company to consider capital-raising measures in the future.

Recent events include the publication of the latest financial results, which show a continued underperformance in both underwriting and investment returns. There are no disclosed material events or regulatory actions in the most recent filings that would suggest a material change in the company's risk profile.