8311.SR
SinkerSaudi Enaya Cooperative Insurance Company · Financial Services · Saudi Arabia · $54M cap · $2.4M/day traded
SAR 8.88 -0.2% · close 5 Nov · scored 7 Nov
Sinker: Weak business, rich price and weak momentum. Nothing here to keep it afloat.
As of 7 Nov 2026, the MoatMap Score for Saudi Enaya Cooperative Insurance Company (8311.SR) is 13/100, ranked against 25,000+ stocks in 38 markets (Quality 22, Value 38, Momentum 29, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT SAUDI ENAYA COOPERATIVE INSURANCE COMPANY
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Saudi Enaya Cooperative Insurance Company provides health insurance services in the Kingdom of Saudi Arabia.
FINANCIAL SUMMARY (SAR)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | — | 231.9M | 266.5M | 246.9M | 179.5M | -8.2% | 151.9M |
| EPS (SAR) | — | -0.43 | 0.80 | -1.05 | -0.26 | — | -1.32 |
| Shares | — | 25.4M | 25.4M | 23.0M | 23.0M | -9.3% | 23.0M |
| Debt | 2.3M | 0.8M | — | 2.4M | 1.3M | -13.2% | 0.7M |
| Equity | — | 170.1M | 190.8M | 163.9M | 156.6M | -2.7% | — |
| Op CF | — | -51.7M | -19.1M | -43.5M | -38.4M | — | 27.7M |
| Inv CF | — | -69.7M | -113.5M | 99.9M | 112.4M | — | — |
| Fin CF | — | 119.5M | -0.8M | -1.2M | -1.2M | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Swung more than 64% of stocks we rank over the past year (volatility 51% 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 8311.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 8311.SR | Saudi Enaya Cooperative Insurance Company(you) | $54M | 13 |
| 8310.SR | Amana Cooperative Insurance Company | $64M | 20 |
| 8012.SR | Aljazira Takaful Taawuni Company | $152M | 22 |
| 8030.SR | The Mediterranean and Gulf Cooperative Insurance and Reinsurance Company | $498M | 44 |
| 8170.SR | Al-Etihad Cooperative Insurance Company | $72M | 15 |
| 8180.SR | Al Sagr Cooperative Insurance Company | $73M | 18 |
| 8210.SR | Bupa Arabia for Cooperative Insurance Company | $5.8B | 33 |
| 8160.SR | Arabia Insurance Cooperative Company | $93M | 20 |
| 8010.SR | The Company for Cooperative Insurance | $5.3B | 40 |
| 4082.SR | Morabaha Marina Financing Company | $137M | 12 |
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.