8160.SR
Bargain BinArabia Insurance Cooperative Company · Financial Services · Saudi Arabia · $93M cap · $181K/day traded
SAR 6.62 +1.1% · close 5 Nov · scored 7 Nov
Bargain Bin: Looks like a bargain; the quality and the trend say why it is in the bin.
As of 7 Nov 2026, the MoatMap Score for Arabia Insurance Cooperative Company (8160.SR) is 20/100, ranked against 25,000+ stocks in 38 markets (Quality 30, Value 54, Momentum 19, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT ARABIA INSURANCE COOPERATIVE COMPANY
Read
Arabia Insurance Cooperative Company engages in the provision of insurance products and services in the Kingdom of Saudi Arabia. It operates through six segments: Medical Insurance, Motor Insurance, Fire, Engineering, Marine, and Other.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 455.8M | 730.6M | 577.8M | 660.3M | 13.2% | 819.4M |
| EPS (SAR) | 0.21 | 1.14 | 0.57 | -0.85 | 64.8% | -1.25 |
| Shares | 53.0M | 53.0M | 53.0M | 53.0M | 0.0% | 53.0M |
| Debt | 1.2M | 5.1M | 5.8M | 3.6M | 42.9% | 2.7M |
| Equity | 242.8M | 559.9M | 604.9M | 571.0M | 33.0% | — |
| Op CF | 132.3M | 79.9M | -22.2M | 122.1M | -2.6% | -150.8M |
| Inv CF | -137.0M | -348.9M | 35.6M | -101.3M | — | — |
| Fin CF | -1.6M | 247.6M | -3.3M | -3.7M | — | — |
Made a new 52-week low 8 trading days ago, 39% below its 52-week high. The fall has not stopped yet.
Calmer than 76% of stocks we rank over the past year (volatility 29% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 8160.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 8160.SR | Arabia Insurance Cooperative Company(you) | $93M | 20 |
| 8180.SR | Al Sagr Cooperative Insurance Company | $73M | 18 |
| 8020.SR | Malath Cooperative Insurance Company | $117M | 35 |
| 8070.SR | Arabian Shield Cooperative Insurance Company | $232M | 46 |
| 8230.SR | Al Rajhi Company for Cooperative Insurance | $2.5B | 40 |
| 8310.SR | Amana Cooperative Insurance Company | $64M | 20 |
| 8170.SR | Al-Etihad Cooperative Insurance Company | $72M | 15 |
| 8240.SR | Chubb Arabia Cooperative Insurance Company | $149M | 19 |
| 8012.SR | Aljazira Takaful Taawuni Company | $152M | 22 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
Peer medians: ROE 7.6% · P/E 13.6x · Gross margin 12.8%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.