8170.SR
Bargain BinAl-Etihad Cooperative Insurance Company · Financial Services · Saudi Arabia · $72M cap · $1.2M/day traded
SAR 5.43 -7.3% · 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 Al-Etihad Cooperative Insurance Company (8170.SR) is 15/100, ranked against 25,000+ stocks in 38 markets (Quality 18, Value 53, Momentum 24, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT AL-ETIHAD COOPERATIVE INSURANCE COMPANY
Read
Al-Etihad Cooperative Insurance Company engages in insurance operations in the Kingdom of Saudi Arabia. It offers non-life insurance to individuals and businesses, such as medical, motor, engineering, property and casualty, general accident, marine, and other products.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 1.0B | 1.2B | 1.4B | 1.2B | 5.0% | 1.2B |
| EPS (SAR) | 0.25 | 1.88 | 0.98 | -4.89 | 97.2% | -5.39 |
| Shares | 50.0M | 50.0M | 50.0M | 50.0M | +0.0% | 50.0M |
| Debt | 7.3M | 5.8M | 6.7M | 3.3M | -23.5% | 15.2M |
| Equity | 536.6M | 671.6M | 711.7M | 449.6M | -5.7% | — |
| Op CF | 89.4M | 281.0M | -320.5M | -236.4M | 214.3% | -211.0M |
| Inv CF | -435.0M | -393.5M | 380.4M | 258.8M | — | — |
| Fin CF | — | 0 | -31.3M | -33.4M | — | — |
Made a new 52-week low in the latest session, 49% below its 52-week high. The fall has not stopped yet.
Swung more than 52% of stocks we rank over the past year (volatility 43% 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 8170.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 8170.SR | Al-Etihad Cooperative Insurance Company(you) | $72M | 15 |
| 8100.SR | Saudi Arabian Cooperative Insurance Company | $72M | 31 |
| 8240.SR | Chubb Arabia Cooperative Insurance Company | $149M | 19 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
| 8120.SR | Gulf Union Alahlia Cooperative Insurance Company | $151M | 36 |
| 8300.SR | Wataniya Insurance Company | $144M | 62 |
| 8060.SR | Walaa Cooperative Insurance Company | $365M | 47 |
| 8280.SR | Liva Insurance Company | $137M | 82 |
| 8180.SR | Al Sagr Cooperative Insurance Company | $73M | 18 |
| 8250.SR | Gulf Insurance Group | $373M | 87 |
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.