SAU:8230's ROE % is ranked better than 78.26% of 506
companies
in the Insurance industry
Industry Median: 11.675
vs SAU:8230: 19.90
Al-Rajhi Co For Cooperative Insurance (SAU:8230) 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.
Al-Rajhi Co For Cooperative Insurance ROE % Related Terms
Al-Rajhi Co For Cooperative Insurance 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.
For the Insurance - Property & Casualty subindustry, Al-Rajhi Co For Cooperative Insurance'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.
Al-Rajhi Co For Cooperative Insurance 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.
Al-Rajhi Co For Cooperative Insurance (SAU:8230) has a ROE % of 17.44% 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 Al-Rajhi Co For Cooperative Insurance and its competitors. This is 15% below median its historical median of 20.61. Over the past decade, Al-Rajhi Co For Cooperative Insurance's ROE % has ranged from 5.45 to 39.27. According to the industry distribution chart, Al-Rajhi Co For Cooperative Insurance ranks #110 out of 506 companies in the Insurance industry, placing it in the top 21.7%.
Is Al-Rajhi Co For Cooperative Insurance's ROE % too high?
Al-Rajhi Co For Cooperative Insurance's current ROE % of 17.44% is 15% below median its 10-year median of 20.61. Over the past 10 years, this metric has ranged from a low of 5.45 to a high of 39.27. The Insurance industry median ROE % is 11.68. Al-Rajhi Co For Cooperative Insurance's value of 17.44% is 49.4% above this industry median. Based on the distribution chart, Al-Rajhi Co For Cooperative Insurance ranks #110 out of 506 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Al-Rajhi Co For Cooperative Insurance has a GF Score™ of 72/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Al-Rajhi Co For Cooperative Insurance's ROE % compare to CB and PGR?
According to the Insurance industry distribution chart, Al-Rajhi Co For Cooperative Insurance ranks #110 out of 506 companies for ROE %. This places Al-Rajhi Co For Cooperative Insurance in the top 22% of its industry — outperforming the majority of peers. The industry median ROE % is 11.68. Al-Rajhi Co For Cooperative Insurance's value of 17.44% is 49.4% above this benchmark. Historically, Al-Rajhi Co For Cooperative Insurance's own ROE % has ranged from 5.45 to 39.27 over the past decade. While the company's 10-year median is 20.61 vs. the industry median of 11.68, Al-Rajhi Co For Cooperative Insurance has consistently been above 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 11.68, based on 506 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. Al-Rajhi Co For Cooperative Insurance's current ROE % of 17.44% is 49.4% above 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 Al-Rajhi Co For Cooperative Insurance and its competitors. For the Insurance industry, the median ROE % is 11.68 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Al-Rajhi Co For Cooperative Insurance's current ROE % is 17.44%, which is 15% below median its own 10-year median of 20.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Al-Rajhi Co For Cooperative Insurance stock overvalued right now?
Based on GuruFocus' analysis, Al-Rajhi Co For Cooperative Insurance (SAU:8230) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼68.98, compared to a current price of ﷼52.10 — trading 24.5% below its estimated fair value. The current ROE % is 17.44%, which is 15% below median its 10-year median of 20.61 and 49.4% above the Insurance industry median of 11.68. Al-Rajhi Co For Cooperative Insurance's overall GF Score™ is 72/100 with 3 warning signs 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 Al-Rajhi Co For Cooperative Insurance (SAU:8230), the current ROE % is 17.44% 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-Rajhi Co For Cooperative Insurance (SAU:8230) Overvalued in 2026?
Based on GuruFocus' analysis, Al-Rajhi Co For Cooperative Insurance stock appears to be undervalued.
The current stock price of ﷼52.10 is trading 24.5% below its estimated GF Value™ of ﷼68.98.
GuruFocus considers Al-Rajhi Co For Cooperative Insurance to be Modestly Undervalued.
Key valuation signals for SAU:8230:
ROE %: 17.44% (15% below median its 10-year median of 20.61)
GF Value™: ﷼68.98 vs. price of ﷼52.10 (24.5% below fair value)
Industry Position: 49.4% above the Insurance median (#110 of 506)
No single metric tells the full story. See the SAU:8230 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al-Rajhi Co For Cooperative Insurance Business Description
Al-Rajhi Co For Cooperative Insurance is engaged in the provision of cooperative insurance and reinsurance services. The purpose of the company is to conduct cooperative insurance operations and all related activities, including re-takaful and agency activities. Its operating segments include Medical; Motor; Property and Casualty; and Protection and Savings. The company generates the majority of its revenue from the Motor segment.
72GF Score
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