Ratios


USD Riyal
30-06-2025 31-03-2025 31-12-2024 30-09-2024 30-06-2024 31-03-2024 31-12-2023 30-09-2023 30-06-2023 31-03-2023 31-12-2022 30-09-2022 30-06-2022 31-03-2022 31-12-2021 30-09-2021 30-06-2021 31-03-2021 31-12-2020 30-09-2020 30-06-2020 31-03-2020 31-12-2019 30-09-2019 30-06-2019 31-03-2019 31-12-2018 30-09-2018 30-06-2018 31-03-2018 31-12-2017 30-09-2017 30-06-2017 31-03-2017 31-12-2016 30-09-2016 30-06-2016 31-03-2016 31-12-2015 30-09-2015 30-06-2015 31-03-2015 31-12-2014 30-09-2014 30-06-2014 31-03-2014 31-12-2013 30-09-2013 30-06-2013 31-03-2013 31-12-2012 30-09-2012 30-06-2012 31-03-2012 31-12-2011 30-09-2011 30-06-2011 31-03-2011 31-12-2010 30-09-2010 30-06-2010 31-03-2010 31-12-2009 30-09-2009 30-06-2009 31-03-2009 31-12-2008 30-09-2008 30-06-2008 31-03-2008 31-12-2007
Per Share Data
Shares Outstanding 127.56 127.56 127.56 103.63 103.63 103.63 103.63 103.63 103.63 103.63 103.63 84.97 84.97 84.97 78.75 78.75 78.75 78.75 78.75 78.75 78.75 78.75 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 64.33 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31 44.31
Earnings Per Share before unusual items -1.83 -2.13 0.34 0.82 0.84 0.75 1.42 1.32 1.21 0.93 -0.65 -0.88 -1.59 -0.92 -1.54 -0.97 -0.52 -1.40 0.64 0.46 0.33 -0.66 0.33 0.01 -0.21 0.69 1.32 1.73 2.02 2.16 2.02 2.12 1.90 1.80 1.68 1.76 1.46 1.14 -0.93 -1.47 -1.59 -0.90 -0.08 0.34 -1.33 -1.80 0.48 0.29 0.12 1.06 0.36 0.26 0.23 0.17 0.06 -0.29 -0.45 0.05 -0.20 -0.21 -0.34 -0.44 -0.60 -0.44 -0.51 -0.30 -0.42 -0.06 -0.07 -0.02 0.16
EPS -1.83 -2.13 0.50 1.08 1.24 1.53 1.42 1.32 1.21 0.93 -0.65 -0.88 -1.59 -0.92 0.09 0.12 0.13 0.07 0.09 0.12 0.13 0.07 0.11 0.15 0.16 0.09 0.11 0.15 0.16 0.09 0.11 0.15 0.16 0.09 0.11 0.15 0.16 0.09 0.11 0.15 0.16 0.14 0.16 0.22 0.23 0.14 0.16 0.22 0.23 0.14 0.16 0.22 0.23 0.14 0.16 0.22 0.23 0.14 0.16 0.22 0.23 0.14 0.16 0.22 0.23 0.14 0.16 0.22 0.23 0.14 0.16
Book Value (BV) 13.42 13.81 14.30 13.05 12.86 12.62 12.24 11.76 11.38 11.01 10.77 10.57 10.41 11.00 2.09 2.83 3.35 3.14 3.43 3.01 2.32 1.79 2.20 1.69 1.70 4.03 3.59 3.52 3.27 3.32 2.66 2.28 1.57 1.01 0.55 (0.09 ) (0.52 ) (1.02 ) (1.20 ) (1.28 ) (0.68 ) (0.86 ) (0.71 ) 0.09 (0.34 ) (0.15 ) 0.15 0.03 (0.28 ) (0.18 ) (0.56 ) (0.72 ) (0.85 ) (0.74 ) (1.03 ) (1.36 ) (1.32 ) (1.10 ) (1.13 ) (1.13 ) (1.18 ) (1.06 ) (1.03 ) (0.76 ) (0.69 ) (0.50 ) (0.43 ) (0.43 ) (0.42 ) (0.30 ) (0.29 )
Par Value
Operating Cash Flow (OCF) (6.65 ) (11.21 ) 0.51 (1.93 ) (6.16 ) (5.54 ) 4.09 2.95 0.86 0.10 0.57 1.98 2.88 (0.94 ) (1.28 ) (0.87 ) (1.96 ) (2.78 ) (0.14 ) (0.18 ) (0.57 ) (1.33 ) 0.54 0.57 0.84 1.97 0.53 0.58 0.86 0.93 3.58 2.76 3.12 6.02 4.90 4.49 4.07 3.49 1.59 2.14 2.32 3.77 1.64 1.55 2.16 (2.63 ) 0.40 (0.14 ) (0.24 ) (3.86 ) (0.19 ) (0.18 ) (0.07 ) 1.18 0.32 (0.01 ) (0.75 ) (0.70 ) (0.28 ) (0.59 ) (0.88 ) (2.76 ) 0.80 0.93 0.32 0.79 (1.03 ) (0.06 ) (0.14 ) (0.43 ) (0.29 )
Dividends Per Share - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Multiple Ratios
P/E NEG NEG 38.40 20.71 23.98 18.07 13.67 13.71 15.35 14.81 NEG NEG NEG NEG More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 More than 100 98.42 More than 100 More than 100 More than 100
P/E Before Unusual Items NEG NEG 56.13 27.27 35.04 36.83 13.67 13.71 15.35 14.81 NEG NEG NEG NEG NEG NEG NEG NEG 45.75 68.95 56.16 NEG 83.36 More than 100 NEG 46.03 22.45 18.75 19.25 19.10 20.04 16.18 17.90 19.32 16.71 11.01 11.87 11.13 NEG NEG NEG NEG NEG More than 100 NEG NEG 77.19 More than 100 More than 100 42.17 More than 100 More than 100 More than 100 More than 100 More than 100 NEG NEG More than 100 NEG NEG NEG NEG NEG NEG NEG NEG NEG NEG NEG NEG More than 100
Price/Book 1.31 1.46 1.35 1.72 2.31 2.20 1.59 1.54 1.64 1.26 1.38 1.90 1.70 2.07 12.32 10.27 10.38 10.12 8.66 10.54 8.01 9.61 12.61 14.71 16.75 7.98 8.32 9.24 11.91 12.45 15.20 15.10 21.77 34.58 51.02 (206.63 ) (33.68 ) (12.49 ) (11.36 ) (12.14 ) (28.20 ) (32.99 ) (43.54 ) 574.07 (131.68 ) (234.05 ) 246.53 1,098.88 (141.54 ) (250.30 ) (71.96 ) (60.85 ) (34.81 ) (49.64 ) (24.87 ) (18.44 ) (18.30 ) (20.51 ) (21.44 ) (23.15 ) (22.03 ) (32.95 ) (36.48 ) (52.74 ) (59.50 ) (57.81 ) (47.02 ) (51.63 ) (98.49 ) (173.95 ) (305.75 )
Price/Revenue 0.76 0.82 0.74 0.71 0.99 0.94 0.70 0.67 0.71 0.55 0.60 0.63 0.57 0.79 - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Growth
Assets 14.18 % 12.96 % 16.04 % 7.09 % 6.49 % 17.22 % 14.48 % - - - 4.08 % - - - 19.69 % 20.05 % 28.55 % 11.37 % 41.69 % 42.41 % 27.76 % 22.48 % 1.79 % (1.47 %) (0.60 %) 3.64 % 12.18 % 12.69 % 22.67 % 13.74 % 15.75 % 16.54 % 17.17 % 26.91 % 29.83 % 20.59 % 11.90 % 40.81 % 33.09 % 26.62 % 59.98 % 27.75 % 46.63 % 63.62 % 37.17 % 33.88 % 39.03 % 18.94 % 13.77 % 9.86 % (11.89 %) 7.71 % 15.24 % 30.42 % 34.26 % 24.57 % 19.32 % 6.57 % 2.38 % 24.57 % 30.43 % 55.55 % 92.93 % 62.50 % 48.49 % 24.22 % (0.35 %) - - - -
Book Value Growth 4.34 % 9.36 % 16.82 % 10.97 % 13.00 % 14.69 % 13.62 % 11.33 % 9.32 % 0.04 % 416.15 % 272.95 % 210.30 % 250.55 % (39.10 %) (6.00 %) 44.58 % 74.97 % 56.06 % 77.99 % 36.70 % (55.52 %) (38.80 %) (51.93 %) (48.11 %) 21.60 % 34.70 % 54.86 % 108.60 % 228.26 % 382.88 % 2,524.77 % 404.48 % 199.07 % 145.89 % 92.67 % 24.25 % (19.02 %) (68.48 %) (1604.75 %) (102.18 %) (465.89 %) (566.46 %) 156.74 % (21.72 %) 15.50 % 127.26 % 104.60 % 67.58 % 75.77 % 45.37 % 47.01 % 35.38 % 32.75 % 8.74 % (20.79 %) (12.22 %) (4.08 %) (8.89 %) (48.16 %) (71.41 %) (109.87 %) (141.46 %) (76.80 %) (64.08 %) (69.44 %) (47.72 %) - - - -
Insurance Revenue (5.64 %) 2.76 % 15.82 % 16.81 % 14.54 % 16.29 % 12.26 % 12.49 % 11.72 % 15.44 % - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Insurance Expenses (14.18 %) (16.56 %) 18.44 % 21.04 % 27.17 % 44.56 % 0.58 % 3.88 % 8.09 % 2.01 % - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Earnings (282.43 %) (270.45 %) (56.55 %) (17.84 %) 2.14 % 64.00 % 317.36 % 281.27 % 192.98 % 223.98 % (1050.53 %) (856.00 %) (1373.85 %) (1354.54 %) 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % 0.00 % - - - -
Invesment Growth 2.39 % 8.27 % 24.38 % 26.65 % 25.07 % 21.59 % 14.78 % - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Insurance Contract Assets (100.00 %) - - - - (100.00 %) (100.00 %) - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Reinsurance Contract Assets 0.09 % 28.47 % (6.15 %) 7.18 % 2.74 % 16.65 % (1.44 %) - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Insurance Contract Liabilities 7.59 % 7.43 % 4.66 % 6.36 % 6.88 % 21.51 % 20.47 % - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Reinsurance Contract Liabilities 32.38 % 629.87 % - 1,330.98 % 563.77 % (97.53 %) (100.00 %) - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Profitability
Return on Average Assets (5.16 %) (5.82 %) 1.45 % 2.71 % 3.26 % 3.91 % 3.85 % 3.65 % 3.52 % 2.76 % (1.94 %) - - - 0.23 % 0.32 % 0.35 % 0.22 % 0.29 % 0.42 % 0.47 % 0.28 % 0.36 % 0.51 % 0.54 % 0.31 % 0.38 % 0.53 % 0.56 % 0.34 % 0.43 % 0.61 % 0.67 % 0.39 % 0.53 % 0.74 % 0.83 % 0.50 % 0.69 % 0.94 % 1.00 % 0.68 % 0.96 % 1.26 % 1.54 % 0.93 % 1.37 % 1.93 % 2.13 % 1.26 % 1.54 % 2.00 % 2.15 % 1.25 % 1.66 % 2.39 % 2.66 % 1.66 % 1.96 % 2.71 % 2.95 % 1.73 % 2.62 % 4.09 % 4.59 % 2.98 % - - - - -
Return on Average Assets Before Unusual Items (5.16 %) (5.82 %) 0.99 % 2.06 % 2.23 % 1.92 % 3.85 % 3.65 % 3.52 % 2.76 % (1.94 %) - - - (3.86 %) (2.48 %) (1.35 %) (3.95 %) 2.08 % 1.51 % 1.14 % (2.34 %) 1.06 % 0.05 % (0.71 %) 2.26 % 4.53 % 5.95 % 6.91 % 7.52 % 7.84 % 8.32 % 7.77 % 7.21 % 7.96 % 8.44 % 7.32 % 5.86 % (5.81 %) (8.87 %) (9.67 %) (4.35 %) (0.49 %) 1.91 % (8.56 %) (11.89 %) 4.15 % 2.54 % 1.09 % 9.53 % 3.43 % 2.39 % 2.07 % 1.59 % 0.63 % (3.15 %) (5.04 %) 0.68 % (2.44 %) (2.56 %) (4.23 %) (5.51 %) (9.85 %) (8.03 %) (9.85 %) (6.38 %) - - - - -
Return on Average Equity (13.27 %) (15.16 %) 4.16 % 8.59 % 9.89 % 12.38 % 12.41 % 11.73 % 10.97 % 8.62 % (10.63 %) (15.16 %) (27.52 %) (15.21 %) 3.30 % 4.05 % 3.98 % 2.42 % 3.48 % 5.28 % 6.56 % 4.42 % 3.85 % 5.88 % 6.25 % 2.55 % 3.56 % 5.02 % 5.57 % 3.25 % 6.93 % 10.99 % 15.59 % 12.44 % (34.24 %) (23.98 %) (19.25 %) (8.75 %) (13.15 %) (17.54 %) (28.22 %) (17.97 %) (57.68 %) 189.55 % (261.73 %) 18,660.30 % (79.20 %) (85.45 %) (57.30 %) (38.11 %) (20.35 %) (25.81 %) (25.53 %) (15.97 %) (15.02 %) (18.15 %) (19.63 %) (12.68 %) (14.97 %) (20.89 %) (21.72 %) (13.50 %) (22.12 %) (37.97 %) (43.09 %) (30.29 %) - - - - -
Return on Average Equity Before Unusual Items (13.27 %) (15.16 %) 2.85 % 6.52 % 6.77 % 6.07 % 12.41 % 11.73 % 10.97 % 8.62 % (10.63 %) (15.16 %) (27.52 %) (15.21 %) (56.21 %) (31.15 %) (15.52 %) (42.71 %) 24.87 % 19.17 % 16.09 % (37.00 %) 11.49 % 0.56 % (8.27 %) 18.36 % 42.53 % 56.09 % 68.23 % 72.28 % 125.68 % 150.24 % 179.86 % 231.51 % (517.79 %) (271.89 %) (170.21 %) (103.03 %) 110.64 % 166.04 % 272.76 % 114.65 % 29.72 % 287.91 % 1,453.60 % (238877.61 %) (239.37 %) (112.61 %) (29.33 %) (287.34 %) (45.49 %) (30.82 %) (24.64 %) (20.24 %) (5.67 %) 23.92 % 37.16 % (5.19 %) 18.62 % 19.71 % 31.17 % 42.98 % 83.24 % 74.54 % 92.43 % 64.80 % - - - - -
Operating Ratios
Insurance Results Margin (6.81 %) (6.14 %) (1.08 %) (0.55 %) (0.55 %) (1.87 %) 0.97 % 1.04 % 0.60 % 0.66 % (4.66 %) (3.10 %) (4.81 %) (10.05 %) - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Expenses ratio 57.87 % 54.63 % 59.46 % 58.70 % 63.63 % 67.27 % 58.15 % 56.65 % 57.31 % 54.11 % 64.90 % 61.34 % 59.24 % 61.23 % - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -
Combined Ratio (CR) (108.62 %) (107.74 %) (102.39 %) (101.98 %) (102.15 %) (102.97 %) (100.46 %) (99.87 %) (100.79 %) (100.63 %) (105.73 %) (104.43 %) (106.66 %) (110.90 %) - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - -