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SAU:8070's ROE % is ranked worse than 93.23% of 502
companies
in the Insurance industry
Industry Median: 11.65
vs SAU:8070: -2.76
Arabian Shield Cooperative Insurance Co (SAU:8070) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Arabian Shield Cooperative Insurance Co ROE % Related Terms
Arabian Shield Cooperative Insurance Co ROE % Historical Data
* 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.
Arabian Shield Cooperative Insurance Co ROE % Chart
Arabian Shield Cooperative Insurance Co Annual Data
For the Insurance - Property & Casualty subindustry, Arabian Shield Cooperative Insurance Co's ROE %, along with its competitors' market caps and ROE % 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.
Arabian Shield Cooperative Insurance Co ROE % vs Insurance Industry
* 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Arabian Shield Cooperative Insurance Co (SAU:8070) has a ROE % of 1.20% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Arabian Shield Cooperative Insurance Co and its competitors. This is 76% below median its historical median of 4.91. According to the industry distribution chart, Arabian Shield Cooperative Insurance Co ranks #468 out of 502 companies in the Insurance industry, placing it in the top 93.2%.
Is Arabian Shield Cooperative Insurance Co's ROE % too high?
Arabian Shield Cooperative Insurance Co's current ROE % of 1.20% is 76% below median its 10-year median of 4.91. The Insurance industry median ROE % is 11.65. Arabian Shield Cooperative Insurance Co's value of 1.20% is 89.7% below this industry median. Based on the distribution chart, Arabian Shield Cooperative Insurance Co ranks #468 out of 502 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Arabian Shield Cooperative Insurance Co has a GF Score™ of 65/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Arabian Shield Cooperative Insurance Co's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Arabian Shield Cooperative Insurance Co ranks #468 out of 502 companies for ROE %. This places Arabian Shield Cooperative Insurance Co in the lower half of its industry. The industry median ROE % is 11.65. Arabian Shield Cooperative Insurance Co's value of 1.20% is 89.7% below this benchmark. While the company's 10-year median is 4.91 vs. the industry median of 11.65, Arabian Shield Cooperative Insurance Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.65, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Arabian Shield Cooperative Insurance Co's current ROE % of 1.20% is 89.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Arabian Shield Cooperative Insurance Co and its competitors. For the Insurance industry, the median ROE % is 11.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Arabian Shield Cooperative Insurance Co's current ROE % is 1.20%, which is 76% below median its own 10-year median of 4.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Arabian Shield Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Arabian Shield Cooperative Insurance Co (SAU:8070) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼25.93, compared to a current price of ﷼12.17 — trading 53.1% below its estimated fair value. The current ROE % is 1.20%, which is 76% below median its 10-year median of 4.91 and 89.7% below the Insurance industry median of 11.65. Arabian Shield Cooperative Insurance Co's overall GF Score™ is 65/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Arabian Shield Cooperative Insurance Co (SAU:8070), the current ROE % is 1.20% 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 Arabian Shield Cooperative Insurance Co (SAU:8070) Overvalued in 2026?
Based on GuruFocus' analysis, Arabian Shield Cooperative Insurance Co stock appears to be undervalued.
The current stock price of ﷼12.17 is trading 53.1% below its estimated GF Value™ of ﷼25.93.
GuruFocus considers Arabian Shield Cooperative Insurance Co to be Significantly Undervalued.
Key valuation signals for SAU:8070:
ROE %: 1.20% (76% below median its 10-year median of 4.91)
GF Value™: ﷼25.93 vs. price of ﷼12.17 (53.1% below fair value)
Industry Position: 89.7% below the Insurance median (#468 of 502)
No single metric tells the full story. See the SAU:8070 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Arabian Shield Cooperative Insurance Co Business Description
Arabian Shield Cooperative Insurance Co conducts insurance and reinsurance business in general and medical classes in Saudi Arabia. The company undertakes all activities required to transact cooperative insurance operations and related activities and to invest its funds. Its principal lines of business include motor, medical, marine, property, engineering, casualty and protection and savings. Its segments include Medical Insurance, motor Insurance, Property Insurance, Engineering insurance, Protection and Savings insurance non-linked, Protection and Savings insurance linked, and Other Insurances.
65GF Score
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