Al-Etihad Cooperative Insurance Co (SAU:8170) Net Margin %: -13.70% (As of Mar. 2026)


SAU:8170 Al-Etihad Cooperative Insurance Co SAU:8170
63 GF Score
Price ﷼6.50
GF Value ﷼10.38
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Al-Etihad Cooperative Insurance Co Net Margin %?

Al-Etihad Cooperative Insurance Co SAU:8170 +0.62% 63 Net Margin % is -13.70% as of Mar. 2026. GuruFocus rates SAU:8170 with a GF Score™ of 63/100 and a GF Value™ of ﷼10.38 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 506 Insurance companies, Al-Etihad Cooperative Insurance Co ranks worse than 96.64% on this metric.

Net margin is calculated as Net Income divided by its Revenue. Al-Etihad Cooperative Insurance Co's Net Income for the three months ended in Mar. 2026 was ﷼-40 Mil. Al-Etihad Cooperative Insurance Co's Revenue for the three months ended in Mar. 2026 was ﷼289 Mil. Therefore, Al-Etihad Cooperative Insurance Co's net margin for the quarter that ended in Mar. 2026 was -13.70%.

The historical rank and industry rank for Al-Etihad Cooperative Insurance Co's Net Margin % or its related term are showing as below:

SAU:8170' s Net Margin % Range Over the Past 10 Years
Min: -22.68   Med: 4.97   Max: 9.1
Current: -22.68


SAU:8170's Net Margin % is ranked worse than
96.64% of 506 companies
in the Insurance industry
Industry Median: 9.275 vs SAU:8170: -22.68

Al-Etihad Cooperative Insurance Co  (SAU:8170) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.


Al-Etihad Cooperative Insurance Co Net Margin % Related Terms


Al-Etihad Cooperative Insurance Co Net Margin % Historical Data

* Premium members only.

The historical data trend for Al-Etihad Cooperative Insurance Co's Net Margin % 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.

Al-Etihad Cooperative Insurance Co Net Margin % Chart

Al-Etihad Cooperative Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 4.20 1.23 7.79 3.40 -20.50

Al-Etihad 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
Net Margin % 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 -4.23 -21.49 -10.50 -45.84 -13.70

SAU:8170 vs BRK.A, AIG, HIG: Net Margin % Comparison

For the Insurance - Diversified subindustry, Al-Etihad Cooperative Insurance Co's Net Margin %, along with its competitors' market caps and Net Margin % 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.


Al-Etihad Cooperative Insurance Co Net Margin % vs Insurance Industry

For the Insurance industry and Financial Services sector, Al-Etihad Cooperative Insurance Co's Net Margin % distribution charts can be found below:

* The bar in red indicates where Al-Etihad Cooperative Insurance Co's Net Margin % falls into.


SAU:8170
63GF Score
Al-Etihad Cooperative Insurance Co SAU:8170
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Al-Etihad Cooperative Insurance Co Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

Al-Etihad Cooperative Insurance Co's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-244.444/1192.284
=-20.50 %

Al-Etihad Cooperative Insurance Co's Net Margin for the quarter that ended in Mar. 2026 is calculated as

Net Margin=Net Income (Q: Mar. 2026 )/Revenue (Q: Mar. 2026 )
=-39.565/288.733
=-13.70 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of -13.70% mean?
Al-Etihad Cooperative Insurance Co (SAU:8170) has a Net Margin % of -13.70% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Al-Etihad Cooperative Insurance Co and its competitors. According to the industry distribution chart, Al-Etihad Cooperative Insurance Co ranks #489 out of 506 companies in the Insurance industry, placing it in the top 96.6%.
Is Al-Etihad Cooperative Insurance Co's Net Margin % too high?
Al-Etihad Cooperative Insurance Co's current Net Margin % is -13.70%. Based on the distribution chart, Al-Etihad Cooperative Insurance Co ranks #489 out of 506 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Al-Etihad Cooperative Insurance Co has a GF Score™ of 63/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al-Etihad Cooperative Insurance Co's Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Al-Etihad Cooperative Insurance Co ranks #489 out of 506 companies for Net Margin %. This places Al-Etihad Cooperative Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.28. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.28, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Al-Etihad Cooperative Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.28 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al-Etihad Cooperative Insurance Co's current Net Margin % is -13.70%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al-Etihad Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Al-Etihad Cooperative Insurance Co (SAU:8170) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼10.38, compared to a current price of ﷼6.50 — trading 37.4% below its estimated fair value. The current Net Margin % is -13.70%. Al-Etihad Cooperative Insurance Co's overall GF Score™ is 63/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Al-Etihad Cooperative Insurance Co (SAU:8170), the current Net Margin % is -13.70% 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 Al-Etihad Cooperative Insurance Co (SAU:8170) Overvalued in 2026?

Based on GuruFocus' analysis, Al-Etihad Cooperative Insurance Co stock appears to be undervalued. The current stock price of ﷼6.50 is trading 37.4% below its estimated GF Value™ of ﷼10.38. GuruFocus considers Al-Etihad Cooperative Insurance Co to be Significantly Undervalued.

Key valuation signals for SAU:8170:

  • Net Margin %: -13.70%
  • GF Value™: ﷼10.38 vs. price of ﷼6.50 (37.4% below fair value)
  • GF Score™: 63/100 with 1 warning sign

No single metric tells the full story. See the SAU:8170 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Al-Etihad Cooperative Insurance Co Business Description

Address 8514 King Fahad bin Abdulaziz Road, P. O. Box 1022, Al Abdulkarim Tower, Unit No 15, Al-Qashlah District, Dhahran, SAU, 34232-4233
Al-Etihad Cooperative Insurance Co provides insurance and reinsurance services in Saudi Arabia. It offers services through the segments of Medical insurance, Property insurance, Engineering, Motor insurance, General accident, and others.
63GF Score

Get the complete analysis for SAU:8170

Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼6.50
Price
﷼10.38
GF Value