SASCO (8040) Financial Ratio Screen

SAU Financial Services Saudi Arabia SAR 535M
BUSINESS EXCLUSION FLAG*
Automated financial screen · activity assessed separately
SASCO (8040) is potentially non-compliant because its supplied classification is Insurance - Diversified. Companies operating in prohibited sectors such as conventional banking, insurance, alcohol, tobacco, and gambling are automatically excluded regardless of their financial ratios.

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MSCI new-inclusion financial-ratio snapshot

8040 financial screening at a glance

BUSINESS EXCLUSION FLAG*Financial ratios shown separately from business review — not a fatwa
Debt ratio
N/A
Not available vs 30%
Cash ratio
N/A
Not available vs 30%
Receivables + cash
N/A
Not available vs 30%
Impermissible income
N/A
Not available vs 5%

Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
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MSCI-styleBusiness exclusion flagSupplied classification requires attention
FTSE/Yasaar-styleBusiness exclusion flagSupplied classification requires attention
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityBusiness exclusion flagSupplied sector or industry classification matched an exclusion
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-08-31S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Business exclusion flag

The supplied classification (Insurance - Diversified) matches a prohibited-activity category.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: Mutakamela Insurance Company provides insurance products and solution in the Kingdom of Saudi Arabia. It operates through Motor, Health care, Property and Casualty, and Protection and Saving segments. The company offers accident, fire or theft, and third-party liability motor insurance; medical cover to policyholders; group retirement products; and protection and saving products to individuals and corporate institutions. It also provides engineering insurance for builders' risks, construction, mechanical, electrical, electronic, machinery breakdown, and other; property accidental physical loss or damage, fire and allied perils, and related losses; and marine, credit, fidelity guarantee, and liability insurance products, as well as burglary and money insurance solutions. The company was formerly known as Allianz Saudi Fransi Cooperative Insurance Company and changed its name to Mutakamela Insurance Company in November 2024. Mutakamela Insurance Company was incorporated in 2006 and is headquartered in Riyadh, the Kingdom of Saudi Arabia. Mutakamela Insurance Company is a subsidiary of Abu Dhabi National Insurance Company PJSC.

Sources to verify: Secondary company profile and classification · Issuer website

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI Excluded — Insurance - Diversified BUSINESS EXCLUSION FLAG*
FTSE Excluded — Insurance - Diversified BUSINESS EXCLUSION FLAG*

Financial Highlights

P/E Ratio
69.2
EPS
$0.13
P/B Ratio
0.7
EV/EBITDA
21.6
EV: $480M
Revenue
$552M
Growth: -14.2%
Beta
0.2
Low volatility
Current Ratio
0.5

Profitability

Gross Margin 7.8%
Operating Margin -3.7%
Net Margin 1.4%
Return on Equity (ROE) 1.0%
Return on Assets (ROA) 0.6%

Cash Flow & Balance Sheet

Operating Cash Flow-$55M
Free Cash Flow-$57M
Total Debt$14M
Debt-to-Equity2.0
Current Ratio0.5
Total Assets$1.9B

Price & Trading

Last CloseSAR 8.90
50-Day MASAR 9.89
200-Day MASAR 12.60
Avg Volume90K
Beta0.2
52-Week Range
SAR 8.20
SAR 17.84

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-03-29 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About SASCO (8040)

CEO
Mr. Abdulrahman Mohammed Aldokheel
Sector
Financial Services
Industry
Insurance - Diversified
Country
Saudi Arabia
Exchange
SAU
Market Cap (listing currency)
SAR 535M
Currency
SAR

Mutakamela Insurance Company provides insurance products and solution in the Kingdom of Saudi Arabia. It operates through Motor, Health care, Property and Casualty, and Protection and Saving segments. The company offers accident, fire or theft, and third-party liability motor insurance; medical cover to policyholders; group retirement products; and protection and saving products to individuals and corporate institutions. It also provides engineering insurance for builders' risks, construction, mechanical, electrical, electronic, machinery breakdown, and other; property accidental physical loss or damage, fire and allied perils, and related losses; and marine, credit, fidelity guarantee, and liability insurance products, as well as burglary and money insurance solutions. The company was formerly known as Allianz Saudi Fransi Cooperative Insurance Company and changed its name to Mutakamela Insurance Company in November 2024. Mutakamela Insurance Company was incorporated in 2006 and is headquartered in Riyadh, the Kingdom of Saudi Arabia. Mutakamela Insurance Company is a subsidiary of Abu Dhabi National Insurance Company PJSC.

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Frequently Asked Questions

Is SASCO (8040) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is SASCO's debt ratio?

SASCO's debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are SASCO's key financial metrics?

SASCO has a market capitalization of SAR 535M in its listing currency, trailing P/E ratio of 69.2, and revenue of $552M. The company maintains a gross margin of 7.8% and a net margin of 1.4%. Return on equity stands at 1.0%.

How often is the screening data updated?

Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.