United Cooperative Assurance Co (SAU:8190) Scaled Net Operating Assets: -0.07 (As of Mar. 2026)

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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
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What is United Cooperative Assurance Co Scaled Net Operating Assets?

United Cooperative Assurance Co SAU:8190 -0.31% 63 Scaled Net Operating Assets is -0.07 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Cooperative Assurance Co's operating assets for the quarter that ended in Mar. 2026 was ﷼679.9 Mil. United Cooperative Assurance Co's operating liabilities for the quarter that ended in Mar. 2026 was ﷼733.6 Mil. United Cooperative Assurance Co's Total Assets for the quarter that ended in Dec. 2025 was ﷼788.7 Mil. Therefore, United Cooperative Assurance Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was -0.07.

SAU:8190
63GF Score
United Cooperative Assurance Co SAU:8190
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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United Cooperative Assurance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

United Cooperative Assurance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(765.001-764.165)/920.603
=0.00

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=788.744 - 23.743
=765.001

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=764.165 - 0 - 0
=764.165

United Cooperative Assurance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(679.866-733.645)/788.744
=-0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=756.22 - 76.354
=679.866

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=738.506 - 4.861 - 0
=733.645

* 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 Scaled Net Operating Assets of -0.07 mean?
United Cooperative Assurance Co (SAU:8190) has a Scaled Net Operating Assets of -0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Cooperative Assurance Co and its competitors.
Is United Cooperative Assurance Co's Scaled Net Operating Assets too high?
United Cooperative Assurance Co's current Scaled Net Operating Assets is -0.07. 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 Scaled Net Operating Assets compare to BRK.A and AIG?
United Cooperative Assurance Co's Scaled Net Operating Assets of -0.07 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on United Cooperative Assurance Co and its competitors. United Cooperative Assurance Co's current Scaled Net Operating Assets is -0.07. 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 Scaled Net Operating Assets is -0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For United Cooperative Assurance Co (SAU:8190), the current Scaled Net Operating Assets is -0.07 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:

  • Scaled Net Operating Assets: -0.07
  • 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

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

﷼3.26
Price
﷼8.00
GF Value