United Cooperative Assurance Co (SAU:8190) ROE % Adjusted to Book Value: -19.30% (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SAU:8190 United Cooperative Assurance Co SAU:8190
63 GF Score
Price ﷼3.26
GF Value ﷼8.00
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is United Cooperative Assurance Co ROE % Adjusted to Book Value?

United Cooperative Assurance Co SAU:8190 -0.31% 63 ROE % Adjusted to Book Value is -19.30% as of Mar. 2026. GuruFocus rates SAU:8190 with a GF Score™ of 63/100 and a GF Value™ of ﷼8.00 (Possible Value Trap). The stock has 4 warning signs investors should review.

United Cooperative Assurance Co's ROE % for the quarter that ended in Mar. 2026 was -129.86%. United Cooperative Assurance Co's PB Ratio for the quarter that ended in Mar. 2026 was 6.73. United Cooperative Assurance Co's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was -19.30%.


United Cooperative Assurance Co ROE % Adjusted to Book Value Related Terms


United Cooperative Assurance Co ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for United Cooperative Assurance Co's ROE % Adjusted to Book Value 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.

United Cooperative Assurance Co ROE % Adjusted to Book Value Chart

United Cooperative Assurance Co Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -5.20 -17.57 1.54 -4.24 -28.87

United Cooperative Assurance Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value 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 -24.61 -87.65 -91.02 -90.09 -19.30

SAU:8190 vs BRK.A, AIG, HIG: ROE % Adjusted to Book Value Comparison

For the Insurance - Diversified subindustry, United Cooperative Assurance Co's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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.


United Cooperative Assurance Co ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, United Cooperative Assurance Co's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where United Cooperative Assurance Co's ROE % Adjusted to Book Value falls into.


SAU:8190
63GF Score
United Cooperative Assurance Co SAU:8190
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

United Cooperative Assurance Co ROE % Adjusted to Book Value Calculation

United Cooperative Assurance Co's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-174.96% / 6.06
=-28.87%

United Cooperative Assurance Co's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-129.86% / 6.73
=-19.30%

* 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.

What does a ROE % Adjusted to Book Value of -19.30% mean?
United Cooperative Assurance Co (SAU:8190) has a ROE % Adjusted to Book Value of -19.30% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United Cooperative Assurance Co and its competitors.
Is United Cooperative Assurance Co's ROE % Adjusted to Book Value too high?
United Cooperative Assurance Co's current ROE % Adjusted to Book Value is -19.30%. Overall, United Cooperative Assurance Co has a GF Score™ of 63/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does United Cooperative Assurance Co's ROE % Adjusted to Book Value compare to BRK.A and AIG?
United Cooperative Assurance Co's ROE % Adjusted to Book Value of -19.30% 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 ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on United Cooperative Assurance Co and its competitors. United Cooperative Assurance Co's current ROE % Adjusted to Book Value is -19.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is United Cooperative Assurance Co stock overvalued right now?
Based on GuruFocus' analysis, United Cooperative Assurance Co (SAU:8190) is currently considered Possible Value Trap. The stock's GF Value™ is ﷼8.00, compared to a current price of ﷼3.26 — trading 59.3% below its estimated fair value. The current ROE % Adjusted to Book Value is -19.30%. United Cooperative Assurance Co's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For United Cooperative Assurance Co (SAU:8190), the current ROE % Adjusted to Book Value is -19.30% 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 United Cooperative Assurance Co (SAU:8190) Overvalued in 2026?

Based on GuruFocus' analysis, United Cooperative Assurance Co stock appears to be undervalued. The current stock price of ﷼3.26 is trading 59.3% below its estimated GF Value™ of ﷼8.00. GuruFocus considers United Cooperative Assurance Co to be Possible Value Trap.

Key valuation signals for SAU:8190:

  • ROE % Adjusted to Book Value: -19.30%
  • GF Value™: ﷼8.00 vs. price of ﷼3.26 (59.3% below fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the SAU:8190 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


United Cooperative Assurance Co Business Description

Address Othman Bin Affan Road, Al-Narjis District, Riyadh, SAU
United Cooperative Assurance Co is a company operating in the insurance sector. Its business is divided into segments including Medical insurance, Motor Insurance, Energy and engineering insurance, and Other classes. The medical insurance segment covers medical costs, medicines, and all other medical services and supplies. Motor Insurance, provides coverage against losses and liability related to motor vehicles, excluding transport insurance. And Other classes segment covers other classes of insurance including property, marine, cargo, aviation, among others. The company generates the majority of the revenue from Motor Insurance.
63GF Score

Get the complete analysis for SAU:8190

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

﷼3.26
Price
﷼8.00
GF Value