SALAMA Cooperative Insurance Co. intrinsic value and dividend analysis using DCF, P/B, PEG and PSG models. Includes dividend yield, payout ratio, and dividend sustainability assessment. Sector: Insurance. Listed on Saudi Exchange Tadawul.
SALAMA Cooperative Insurance Company (formerly Saudi IAIC Cooperative Insurance) provides motor, medical, and travel insurance in Saudi Arabia, along with general lines such as engineering, marine, and property coverage. Its medical products include corporate and SME health plans covering chronic disease management and maternity care. Founded in 1979, the company is based in Jeddah.
TASIV estimates this company's intrinsic value using a Price-to-Book (P/B) model. As of TASIV's most recent data refresh, the estimated intrinsic value is SAR 4.44 compared to a market price of SAR 8.50 (Trading significantly above DCF model value). This is an analytical estimate, not investment advice.
Revenue declined steadily, by about 29%, over the three-year period, while net income fell at a considerably faster pace, moving from a profit to a net loss by the final year. Operating cash flow was more volatile, swinging to a large negative figure in the middle year before narrowing closer to zero, though it also ended negative. Overall, revenue, net income, and operating cash flow all declined, with net income moving into a loss.
TASIV's Competitive Advantage assessment for this company is Low (27/100), based on profitability, predictability, financial strength, and growth resilience.
Based on TASIV's Price-to-Book (P/B) model, the estimated intrinsic value of SALAMA Cooperative Insurance Co. is approximately SAR 4.44, compared to a current market price of SAR 8.50. This is an analytical estimate based on the company's financial data, not investment advice or a recommendation to buy or sell.
According to TASIV's model, SALAMA Cooperative Insurance Co. is currently "Trading significantly above DCF model value".
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