Al-Etihad Cooperative Insurance Company — Cyborg Score 5/10

Strategic Profile

The company operates in Motor, Medical, and Property and casualty segments. Authorized to transact all classes of insurance except life insurance and supervised by SAMA, the company positions itself as a leader in tailor-made insurance solutions for businesses throughout the Kingdom.

Cyborg Score Rationale

Al-Etihad is an established cooperative insurer with SAR 400M capital and diversified product lines across major segments. However, recent financial metrics show negative earnings (EPS -1.57 TTM) and stock volatility (52-week range 10.00-21.26), suggesting operational or market challenges despite its market position.

Top Insights

• One of the largest insurance companies in Saudi Arabia with SAR 400M paid-up capital
• Diversified portfolio across motor, medical, and property/casualty segments with specialized products (medical malpractice, engineering, tourism)
• Recent financial deterioration: negative TTM earnings despite dividend yield of 5.58%
• Stock experienced significant decline from 52-week high (21.26) to current trading level (~10.77), indicating investor concerns about profitability

Named Competitors

• BUPA Arabia Cooperative Insurance — Medical and health insurance provider
• Chubb Arabia Cooperative Insurance — Property, liability, and specialty insurance
• GIG Saudi Arabia — Multi-line general insurance provider
• Wataniya Insurance — Cooperative insurance across major segments

Recent Developments

• (March 2026) Q4 2025 earnings release projected; stock trading near 52-week lows
• (May 2025) Ex-dividend date for SAR 0.60 per share dividend at 5.58% yield

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