Walaa Cooperative Insurance Co (SAU:8060) Effective Interest Rate on Debt %: 92.64% (As of Mar. 2026)

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SAU:8060 Walaa Cooperative Insurance Co SAU:8060
62 GF Score
Price ﷼11.49
GF Value ﷼10.20
Valuation Modestly Overvalued
! 3 Warning Signs
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What is Walaa Cooperative Insurance Co Effective Interest Rate on Debt %?

Walaa Cooperative Insurance Co SAU:8060 +2.04% 62 Effective Interest Rate on Debt % is 92.64% as of Mar. 2026. GuruFocus rates SAU:8060 with a GF Score™ of 62/100 and a GF Value™ of ﷼10.20 (Modestly Overvalued). The stock has 3 warning signs investors should review.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Walaa Cooperative Insurance Co's annualized positive value of Interest Expense for the quarter that ended in Mar. 2026 was ﷼12 Mil. Walaa Cooperative Insurance Co's average total debt for the quarter that ended in Mar. 2026 was ﷼13 Mil. Therefore, Walaa Cooperative Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 was 92.64%.


Walaa Cooperative Insurance Co  (SAU:8060) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.


Walaa Cooperative Insurance Co Effective Interest Rate on Debt % Related Terms


Walaa Cooperative Insurance Co Effective Interest Rate on Debt % Historical Data

* Premium members only.

The historical data trend for Walaa Cooperative Insurance Co's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Walaa Cooperative Insurance Co Effective Interest Rate on Debt % Chart

Walaa Cooperative Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Effective Interest Rate on Debt %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 225.69 214.80 351.94 132.10 83.12

Walaa Cooperative Insurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Effective Interest Rate on Debt % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 72.73 104.48 95.02 93.42 92.64

SAU:8060 vs BRK.A, AIG, HIG: Effective Interest Rate on Debt % Comparison

For the Insurance - Diversified subindustry, Walaa Cooperative Insurance Co's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Walaa Cooperative Insurance Co Effective Interest Rate on Debt % vs Insurance Industry

For the Insurance industry and Financial Services sector, Walaa Cooperative Insurance Co's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Walaa Cooperative Insurance Co's Effective Interest Rate on Debt % falls into.


SAU:8060
62GF Score
Walaa Cooperative Insurance Co SAU:8060
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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Walaa Cooperative Insurance Co Effective Interest Rate on Debt % Calculation

Walaa Cooperative Insurance Co's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -15.221/( (21.534+15.09)/ 2 )
=-1  *  -15.221/18.312
=83.12 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=21.534 + 0
=21.534

Walaa Cooperative Insurance Co's annualized Effective Interest Rate on Debt % for the quarter that ended in Mar. 2026 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2025 )+Total Debt  (Q: Mar. 2026 ))/ count )
=-1  *  -11.728/( (15.09+10.229)/ 2 )
=-1  *  -11.728/12.6595
=92.64 %

where

Total Debt  (Q: Mar. 2026 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=5.046 + 5.183
=10.229

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is four times the quarterly (Mar. 2026) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 92.64% mean?
Walaa Cooperative Insurance Co (SAU:8060) has a Effective Interest Rate on Debt % of 92.64% as of Mar. 2026. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Walaa Cooperative Insurance Co and its competitors.
Is Walaa Cooperative Insurance Co's Effective Interest Rate on Debt % too high?
Walaa Cooperative Insurance Co's current Effective Interest Rate on Debt % is 92.64%. Overall, Walaa Cooperative Insurance Co has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Walaa Cooperative Insurance Co's Effective Interest Rate on Debt % compare to BRK.A and AIG?
Walaa Cooperative Insurance Co's Effective Interest Rate on Debt % of 92.64% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Effective Interest Rate on Debt % for an Insurance company?
A good Effective Interest Rate on Debt % depends on the Insurance industry context. However, Effective Interest Rate on Debt % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on Walaa Cooperative Insurance Co and its competitors. Walaa Cooperative Insurance Co's current Effective Interest Rate on Debt % is 92.64%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Walaa Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Walaa Cooperative Insurance Co (SAU:8060) is currently considered Modestly Overvalued. The stock's GF Value™ is ﷼10.20, compared to a current price of ﷼11.49 — trading 12.6% above its estimated fair value. The current Effective Interest Rate on Debt % is 92.64%. Walaa Cooperative Insurance Co's overall GF Score™ is 62/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For Walaa Cooperative Insurance Co (SAU:8060), the current Effective Interest Rate on Debt % is 92.64% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Walaa Cooperative Insurance Co (SAU:8060) Overvalued in 2026?

Based on GuruFocus' analysis, Walaa Cooperative Insurance Co stock appears to be overvalued. The current stock price of ﷼11.49 is trading 12.6% above its estimated GF Value™ of ﷼10.20. GuruFocus considers Walaa Cooperative Insurance Co to be Modestly Overvalued.

Key valuation signals for SAU:8060:

  • Effective Interest Rate on Debt %: 92.64%
  • GF Value™: ﷼10.20 vs. price of ﷼11.49 (12.6% above fair value)
  • GF Score™: 62/100 with 3 warning signs

No single metric tells the full story. See the SAU:8060 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Walaa Cooperative Insurance Co Business Description

Address 4513, Adh Dhahran Al Khubar Al Janubiyah, Unit No: 8, Al-Khobar, SAU, 34621-8615
Walaa Cooperative Insurance Co is an insurance and reinsurance company in the Kingdom of Saudi Arabia. It is engaged in providing insurance coverage in the areas of medical, motor, marine, fire, engineering, energy, aviation, casualty insurance and protection & savings both linked and non-linked. The company classifies its reportable segments based on various types of insurance products it offers, which include Medical, Motor, Property, Engineering, Energy, Protection and savings, and Others. Maximum revenue is generated from its Motor insurance segment, which provides coverage for vehicle insurance. Geographically, the company principally operates in the Kingdom of Saudi Arabia.
62GF Score

Get the complete analysis for SAU:8060

Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼11.49
Price
﷼10.20
GF Value