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United Cooperative Assurance Company: Business Overview, Financials & Competitive Analysis

United Cooperative Assurance Company SJSC (UCA) is a Saudi Arabia-based public shareholding company engaged in the provision of cooperative insurance and reinsurance products and services. The Company is organized int...

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3/ 10Challenged

Cyborg Score thesis

Turnaround-focused play requiring significant operational improvements and potential underwriting discipline to restore...

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Industry Insurance - Diversified / Cooperative Insurance
4 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: October 19, 2026
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United Cooperative Assurance Company Overview

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United Cooperative Assurance Company SJSC (UCA) is a Saudi Arabia-based public shareholding company engaged in the provision of cooperative insurance and reinsurance products and services. The Company is organized into three business segments: Health Insurance, Motor Insurance and Other Classes, with an additional energy segment focus.

Strategic Profile

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United Cooperative Assurance Company provides cooperative insurance and reinsurance products to individuals and businesses in the Kingdom of Saudi Arabia. The company has experienced significant market challenges, with reported accumulated losses at 54.7% of capital as of recent reporting, indicating headwinds in underwriting profitability and operational execution.

Competitive Landscape

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UCA operates in a crowded Saudi insurance market alongside multiple competitors including Tawuniya, Bupa Arabia, Malath Insurance, and Arabian Shield. The cooperative insurance model is common in Saudi Arabia, with numerous specialized and general insurers competing across similar segments. The company operates through Medical, Motor, Energy, and Others segments, competing primarily on product offerings and customer service in these categories.

Industry Context

United Cooperative Assurance Company operates in Insurance - Diversified / Cooperative Insurance.

Key facts

Founded: 2008 · Headquarters: Jeddah, Saudi Arabia · Employees: N/A · Revenue: N/A · Market cap: $294M

What the AI analysts debated

AI-generated and not independently verified: selected findings from the multi-agent debate on United Cooperative Assurance Company.

  • Accumulated losses have reached 54.7% of paid-up capital (SAR 400M), signaling serious underwriting challenges
  • Recent quarterly net income was negative at approximately SAR -23.32M, indicating persistent operational losses
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Recent developments

Material events tracked by the AskCyborg corpus.

  • March 2025Interim Financial Results announced showing continued losses during Q1 2025
  • RecentInsurance agreement signed with Theeb Rent A Car Company for motor coverage expansion
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

General Cooperative InsuranceMajor competitor in health and motor insurance in Saudi market→International Health InsuranceLeading expat-focused medical insurance provider→Cooperative Insurance ServicesEstablished player in general insurance lines→Cooperative InsuranceCompetitive general and specialty insurance provider→

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Industry context

United Cooperative Assurance Company operates in Insurance - Diversified / Cooperative Insurance. See how the rest of the sector scores on the Cyborg framework.

Top companies in Insurance - Diversified by Cyborg Score

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Frequently asked questions

What does United Cooperative Assurance Company do?+
United Cooperative Assurance Company SJSC (UCA) is a Saudi Arabia-based public shareholding company engaged in the provision of cooperative insurance and reinsurance products and services. The Company is organized int...
What is United Cooperative Assurance Company's Cyborg Score?+
United Cooperative Assurance Company has a Cyborg Score of 3/10 (Challenged). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are United Cooperative Assurance Company's main competitors?+
Named competitors include General Cooperative Insurance, International Health Insurance, Cooperative Insurance Services, Cooperative Insurance. The full competitive landscape is in the AskCyborg report.
How can I get the full United Cooperative Assurance Company research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the United Cooperative Assurance Company research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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7ASR Nederland N.V.7Aviva plc7BB Seguridade Participações S.A.7Helvetia Baloise Holding Ltd7Porto Seguro S.A.7Vienna Insurance Group AG6Al-Ahleia Insurance Company S.A.K.P.6Saudi Arabian Cooperative Insurance Company6UNIQA Insurance Group AG4Sharjah Insurance Company P.S.C.Top companies in Insurance - Diversified by Cyborg Score