✨ Free AI Report
Walaa Cooperative Insurance Company: Key Facts, Business Model & Financial Analysis Read the overview below or get the full interactive report with Cyborg Score, analyst debate audio & saved-company playlists — free, no credit card.
Get Free Report →
Home Company Research Walaa Cooperative Insurance Company
Company Research

Walaa Cooperative Insurance Company: Business Overview, Financials & Competitive Analysis

Walaa Cooperative Insurance Company scores 7/10 on the AskCyborg Cyborg Score (Strong). Well-capitalized, financially strong Saudi takaful insurer with digital-first operations and established market presence positioned for stable performance in a regulated, growing market. Walaa demonstrates solid market positioning in Saudi Arabia's Takaful insurance space with investment-grade credit ratings (A-/A3), consistent profitability, and a comprehensive digital platform. The company's diverse.

What is Walaa Cooperative Insurance Company's industry? Walaa Cooperative Insurance Company (walaa.com.sa) operates in Insurance. AskCyborg classifies Walaa Cooperative Insurance Company under Insurance in its company registry.

Walaa is a leading Saudi cooperative insurer licensed by SAMA since 2008, offering Shariah-compliant Motor, Retirement, and Travel Takaful solutions through its mobile app, e-portal, and nationwide branches. The compa...

7/ 10Strong

Cyborg Score thesis

Well-capitalized, financially strong Saudi takaful insurer with digital-first operations and established market presence...

Read the full analyst-debate transcript →
Industry Insurance
5 named competitors
2 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 21, 2026
AI-Verified Research
30+ Page Report

Get the Latest Walaa Cooperative Insurance Company Report

Up-to-date AI-powered research, analyst debate audio & saved-company playlists

Get Current Report Free
✓ No credit card required
or get it by email

Analyst-debate audio for Walaa Cooperative Insurance Company

AskCyborg analysts argue the bull and bear cases for Walaa Cooperative Insurance Company across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

Play the free intro →
Free intro · Pro unlocks the full analyst debate
What's in This Report
Walaa Cooperative Insurance Company OverviewStrategic ProfileCompetitive LandscapeIndustry ContextKey facts
Get Interactive Report Freeor start reading below

Walaa Cooperative Insurance Company Overview

Pro stress-test →

Walaa is a leading Saudi cooperative insurer licensed by SAMA since 2008, offering Shariah-compliant Motor, Retirement, and Travel Takaful solutions through its mobile app, e-portal, and nationwide branches. The company operates as a public joint-stock entity with fully paid-up capital of SAR 850 million, serving customers across Saudi Arabia's insurance market.

Strategic Profile

Pro stress-test →

Headquartered in Al-Khobar with three regional offices and more than 70 retail offices nationwide, Walaa has established a strong distribution footprint. The company holds an A- Insurance Financial Strength Rating from S&P Global Ratings and gcAAA GCC regional scale credit rating, both with stable outlook, positioning it as a financially sound competitor in the Saudi takaful insurance sector.

Competitive Landscape

Pro stress-test →

Walaa competes in Saudi Arabia's crowded Takaful insurance market against established operators including Alrajhi Takaful, Aljazira Takaful, SABB Takaful, and Solidarity Saudi Takaful. Unlike pure conventional insurers, Walaa's Shariah-compliant focus positions it within the growing Islamic insurance segment, competing on digital innovation, product breadth, and distribution reach rather than pricing alone.

Industry Context

Walaa Cooperative Insurance Company operates in Insurance.

Key facts

Founded: 2007 · Headquarters: Al-Khobar, Saudi Arabia

What the analysts stress-tested

The top findings that survived the multi-agent debate for Walaa Cooperative Insurance Company.

  • (December 2023) Walaa achieved net profits of SAR 148 million for full-year 2023, with Q4 2023 earnings of SAR 45.3 million
  • Fully digital Takaful offerings (motor, retirement, travel) with 24/7 bilingual support and paperless claims processes enhance operational efficiency
+2 more stress-tested counter-arguments unlock with Pro. Read the full analyst debate →

Recent developments

Material events tracked by the AskCyborg corpus.

  • August 2024Prospectus issued on 05/08/2024G indicating public company capital structure and regulatory standing
  • December 2023Full-year net profit of SAR 148 million reported with Q4 earnings of SAR 45.3 million
Get alerted when Walaa Cooperative Insurance Company has a new material development →

Named competitors

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

Alrajhi TakafulIslamic takaful insurance solutions in Saudi Arabia→Aljazira Takaful TaawuniTakaful insurance provider in Saudi market→SABB TakafulIslamic insurance and reinsurance services→Solidarity Saudi TakafulShariah-compliant takaful insurance offerings→Wataniya InsuranceCooperative insurance services in Saudi Arabia→

Compare Walaa Cooperative Insurance Company with another company

Pick any company in the AskCyborg corpus to see side-by-side Cyborg Scores and insights.

vs
Side-by-side opens in your AskCyborg account

Industry context

Walaa Cooperative Insurance Company operates in Insurance. See how the rest of the sector scores on the Cyborg framework.

Browse Insurance research →
NEW · MCP server

Ask your AI assistant about Walaa Cooperative Insurance Company

Install the free AskCyborg MCP server in Claude, Cursor, Cline, Continue, or Windsurf and ask any of these in-line:

“Compare Walaa Cooperative Insurance Company and its top competitor on Cyborg Score”
“What did Walaa Cooperative Insurance Company do this quarter?”
“Is Walaa Cooperative Insurance Company a defensible business in 5 years?”
Install the MCP server (10 sec) →
Free, anonymous, no API key required

How AskCyborg builds confidence

⚔

Analyst debate, not single-author opinion

Every report is stress-tested by a panel of AI analysts arguing across 11 dimensions. The output is the part of the case that survived pushback.

📊

Recalibrated weekly

The Cyborg Score is recomputed weekly against fresh data. Recent material developments are continuously tracked and surfaced.

🔗

Methodology open at /methodology

The framework, dimensions, and band breakdowns are documented. The same company gets the same score from any analyst running the framework.

🔒

Free tier is free

No credit card to read the research. Pro adds saved-company audio playlists, monitoring, audio briefings on demand, and PDF export for $39/mo annual.

Sources: public filings, regulatory data, news flow, and proprietary analyst signals. Read the methodology →

Frequently asked questions

What does Walaa Cooperative Insurance Company do?+
Walaa is a leading Saudi cooperative insurer licensed by SAMA since 2008, offering Shariah-compliant Motor, Retirement, and Travel Takaful solutions through its mobile app, e-portal, and nationwide branches. The compa...
What is Walaa Cooperative Insurance Company's Cyborg Score?+
Walaa Cooperative Insurance Company has a Cyborg Score of 7/10 (Strong). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are Walaa Cooperative Insurance Company's main competitors?+
Named competitors include Alrajhi Takaful, Aljazira Takaful Taawuni, SABB Takaful, Solidarity Saudi Takaful. The full competitive landscape is in the AskCyborg report.
How can I get the full Walaa Cooperative Insurance 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 Walaa Cooperative Insurance Company research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

Track Walaa Cooperative Insurance Company over time

Pro members get saved-company audio playlists, Cyborg Score recalibrations, and monitoring for material events across the AskCyborg corpus.

See Pro features
From $39/mo annual

More Insurance research

Companies in the same sector and named competitors, ranked by Cyborg Score.

8The Company for Cooperative Insurance6Suncorp Group Limited6Walaa Cooperative Insurance CompanySkyward Specialty Insurance Group