Our Ratings

Saudi Re maintains strong credit ratings from leading international rating agencies, reflecting the strength of its financial position, disciplined underwriting approach, and prudent risk management practices.

A2 rating by Moody’s (Stable Outlook)

A2

According to Moody’s

A- rating by Standard & Poor’s S&P (Positive Outlook)

A-

Rated by S&P

In compliance with Shari’a guidelines

SRE

A2

Rated A2 by Moody’s

Strengthened Business & Financial Profile: Moody's recognizes Saudi Re's strengthened business and financial profile following the Public Investment Fund's (PIF) acquisition of a minority stake.
Enhanced Growth Prospects: Enhanced domestic cession regulations reinforce Saudi Re's market position and support its long-term growth in Saudi Arabia.
Benefiting from Saudi Arabia's Growth: Well positioned to capitalize on the continued growth and diversification of the Saudi economy, supported by government initiatives to develop the local insurance sector.
Strong Profitability: Expected to maintain robust profitability, supported by disciplined underwriting performance and stable investment returns.
Diversified Business Portfolio: A diversified geographic footprint and ongoing product development enhance business resilience and help mitigate potential risks.

Strong Competitive Position: Recognized by S&P Global Ratings for Saudi Re’s strong market position, supported by robust top-line growth over the past two years.

Superior Underwriting Performance: Delivers underwriting performance that compares favorably with regional and international peers.

Exceptional Capital Strength: Maintains capital adequacy buffers at a confidence level exceeding 99.99%.
Government-Related Entity: Recognized by S&P as a government-related entity, reflecting the Public Investment Fund’s (PIF) position as a significant minority shareholder.

Strategic National Role: Contributes to strengthening Saudi Arabia’s insurance sector, supporting economic growth, and advancing PIF’s presence in the financial services industry.

A-

Rated A- by S&P

SHARIYAH REVIEW

Shariyah report revealed that all transactions and business activities, entered into by the Company during the year ended 31st December 2025, are in compliance with Shari’a guidelines issued by the Shari’a Supervisory Board, with exception of the following point; The vast majority of the investment venues comply with the Shari’a Supervisory Committee guidelines. However, 8% of the Company’s total investments are in Shari’a non-compliant bonds, stocks and mixed stocks, which generated an interest income. Consequently, this requires subsequent purification, amounting to SAR 0.070 per share. As per the management’s decision, the responsibility for this purification lies with the Company’s shareholders.

Our Ratings

Saudi Re maintains strong credit ratings from leading international rating agencies, reflecting the strength of its financial position, disciplined underwriting approach, and prudent risk management practices.

A2

A-

SRE

A2

A-

SHARIYAH REVIEW

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