Amana Cooperative Insurance Co (SAU:8310) ROC %: 0.00% (As of Mar. 2026)

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SAU:8310 Amana Cooperative Insurance Co SAU:8310
62 GF Score
Price ﷼7.54
GF Value ﷼16.41
Valuation Possible Value Trap
! 1 Warning Sign
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What is Amana Cooperative Insurance Co ROC %?

Amana Cooperative Insurance Co SAU:8310 -2.08% 62 ROC % is 0.00% as of Mar. 2026. GuruFocus rates SAU:8310 with a GF Score™ of 62/100 and a GF Value™ of ﷼16.41 (Possible Value Trap). The stock has 1 warning sign investors should review.

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. Amana Cooperative Insurance Co's annualized return on capital (ROC %) for the quarter that ended in Mar. 2026 was 0.00%.

As of today (2026-07-13), Amana Cooperative Insurance Co's WACC % is 12.28%. Amana Cooperative Insurance Co's ROC % is 0.00% (calculated using TTM income statement data). Amana Cooperative Insurance Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Amana Cooperative Insurance Co  (SAU:8310) ROC % Explanation

ROC % measures how well a company generates cash flow relative to the capital it has invested in its business. It is also called ROIC %. The reason book values of debt and equity are used is because the book values are the capital the company received when issuing the debt or receiving the equity investments.

There are four key components to this definition. The first is the use of operating income or EBIT rather than net income in the numerator. The second is the tax adjustment to this operating income or EBIT, computed as a hypothetical tax based on an effective or marginal tax rate. The third is the use of book values for invested capital, rather than market values. The final is the timing difference; the capital invested is from the end of the prior year whereas the operating income or EBIT is the current year's number.

Why is ROC % important?

Because it costs money to raise capital. A firm that generates higher returns on investment than it costs the company to raise the capital needed for that investment is earning excess returns. A firm that expects to continue generating positive excess returns on new investments in the future will see its value increase as growth increases, whereas a firm that earns returns that do not match up to its cost of capital will destroy value as it grows.

As of today, Amana Cooperative Insurance Co's WACC % is 12.28%. Amana Cooperative Insurance Co's ROC % is 0.00% (calculated using TTM income statement data). Amana Cooperative Insurance Co earns returns that do not match up to its cost of capital. It will destroy value as it grows.


Be Aware

Like ROE % and ROA %, ROC % is calculated with only 12 months of data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.


Amana Cooperative Insurance Co ROC % Related Terms


Amana Cooperative Insurance Co ROC % Historical Data

* Premium members only.

The historical data trend for Amana Cooperative Insurance Co's ROC % 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.

Amana Cooperative Insurance Co ROC % Chart

Amana Cooperative Insurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROC %
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Amana 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
ROC % 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 0.00 0.00 0.00 0.00 0.00
SAU:8310
62GF Score
Amana Cooperative Insurance Co SAU:8310
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Amana Cooperative Insurance Co ROC % Calculation

Amana Cooperative Insurance Co's annualized Return on Capital (ROC %) for the fiscal year that ended in Dec. 2025 is calculated as:

ROC % (A: Dec. 2025 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (A: Dec. 2024 ) + Invested Capital (A: Dec. 2025 ))/ count )
=0 * ( 1 - 0% )/( (386.26995 + 354.40615)/ 2 )
=0/370.33805
=0.00 %

where

Invested Capital(A: Dec. 2024 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=473.58 - 1.755 - ( 96.858 - 5% * 226.059 )
=386.26995

Invested Capital(A: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=540.605 - 3.276 - ( 197.148 - 5% * 284.503 )
=354.40615

Amana Cooperative Insurance Co's annualized Return on Capital (ROC %) for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=EBIT * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=0 * ( 1 - 0% )/( (344.21315 + 373.51665)/ 2 )
=0/358.8649
=0.00 %

where

Invested Capital(Q: Dec. 2025 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=540.605 - 3.276 - ( 197.148 - 5% * 80.643 )
=344.21315

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Balance Sheet Cash And Cash Equivalents - 5% * Revenue )
=535.658 - 3.136 - ( 163.435 - 5% * 88.593 )
=373.51665

Note: The EBIT data used here is four times the quarterly (Mar. 2026) data. The tax rate is limited to between 0% and 100%.

* 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 ROC % →
What does a ROC % of 0.00% mean?
Amana Cooperative Insurance Co (SAU:8310) has a ROC % of 0.00% as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Amana Cooperative Insurance Co and its competitors.
Is Amana Cooperative Insurance Co's ROC % too high?
Amana Cooperative Insurance Co's current ROC % is 0.00%. Overall, Amana Cooperative Insurance Co has a GF Score™ of 62/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Amana Cooperative Insurance Co's ROC % compare to AFL and MET?
Amana Cooperative Insurance Co's ROC % of 0.00% can be compared against companies in the Insurance industry. The industry median ROC % is 3.36. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for an Insurance company?
The median ROC % among Insurance companies is 3.36, based on 372 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % 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 ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on Amana Cooperative Insurance Co and its competitors. For the Insurance industry, the median ROC % is 3.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Amana Cooperative Insurance Co's current ROC % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Amana Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Amana Cooperative Insurance Co (SAU:8310) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼16.41, compared to a current price of ﷼7.54 — trading 54.1% below its estimated fair value. The current ROC % is 0.00%. Amana Cooperative Insurance Co's overall GF Score™ is 62/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For Amana Cooperative Insurance Co (SAU:8310), the current ROC % is 0.00% 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 Amana Cooperative Insurance Co (SAU:8310) Overvalued in 2026?

Based on GuruFocus' analysis, Amana Cooperative Insurance Co stock appears to be undervalued. The current stock price of ﷼7.54 is trading 54.1% below its estimated GF Value™ of ﷼16.41. GuruFocus considers Amana Cooperative Insurance Co to be Possible Value Trap.

Key valuation signals for SAU:8310:

  • ROC %: 0.00%
  • GF Value™: ﷼16.41 vs. price of ﷼7.54 (54.1% below fair value)
  • GF Score™: 62/100 with 1 warning sign

No single metric tells the full story. See the SAU:8310 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Amana Cooperative Insurance Co Business Description

Address Salah-Uddin Al-Ayubi Street, P.O.Box: 27986, Riyadh, SAU, 11427
Amana Cooperative Insurance Co is engaged in conducting cooperative insurance operations. The Company provides a range of insurance products, including medical, motor, marine, fire, engineering, accident and liability, and protection insurance. It operates through key segments such as Medical Insurance, which offers health insurance coverage and generates the maximum revenue, Motor Insurance, which covers vehicle-related risks, and Property & Casualty Insurance, which includes coverage for property, engineering, marine, and other general insurance products.
62GF Score

Get the complete analysis for SAU:8310

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

﷼7.54
Price
﷼16.41
GF Value