TADAWUL:8020 Income Statement

Financials in millions SAR. Fiscal year is January - December.

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Premiums & Annuity Revenue	1,319	946.6	872.7	906.36	778.71	719.99
Total Interest & Dividend Income	9.67	13.14	10.19	17.89	30.39	32.74
Gain (Loss) on Sale of Investments	13.47	13.36	17.94	7.41	-	0.24
Other Revenue	-	-	-	-	19.87	45.64
Total Revenue	1,342	973.1	900.83	931.65	828.97	798.61
Revenue Growth (YoY)	50.51%	8.02%	-3.31%	12.39%	3.80%	11.90%
Policy Benefits	1,358	950.8	855.25	945.32	687.25	581.44
Policy Acquisition & Underwriting Costs	-	-	-	-	86.83	78.93
Selling, General & Administrative	-4.72	-	-	-	45.55	36.72
Provision for Bad Debts	-	-	-	-	7.05	3.15
Other Operating Expenses	31.42	31.08	18.34	23.9	-	-
Total Operating Expenses	1,381	981.88	873.59	969.22	901.82	775.94
Operating Income	-38.97	-8.78	27.24	-37.56	-72.85	22.67
Other Non Operating Income (Expenses)	49.65	45.17	19.95	6.47	-	-
Pretax Income	35.47	36.39	47.19	-31.09	-72.85	22.67
Income Tax Expense	8.54	9.5	9	10.29	12.81	15.13
Net Income	26.93	26.89	38.19	-41.38	-85.66	7.55
Net Income to Common	26.93	26.89	38.19	-41.38	-85.66	7.55
Net Income Growth	3.81%	-29.59%	-	-	-	45.66%
Shares Outstanding (Basic)	50	50	50	50	50	50
Shares Outstanding (Diluted)	50	50	50	50	50	50
EPS (Basic)	0.54	0.54	0.76	-0.83	-1.71	0.15
EPS (Diluted)	0.54	0.54	0.76	-0.83	-1.71	0.15
EPS Growth	3.81%	-29.59%	-	-	-	45.66%
Free Cash Flow	203.58	249.83	-109.75	-129.27	-64.84	-6.35
Free Cash Flow Per Share	4.07	5.00	-2.19	-2.58	-1.30	-0.13
Operating Margin	-2.90%	-0.90%	3.02%	-4.03%	-8.79%	2.84%
Profit Margin	2.01%	2.76%	4.24%	-4.44%	-10.33%	0.95%
Free Cash Flow Margin	15.17%	25.67%	-12.18%	-13.88%	-7.82%	-0.80%
EBITDA	-38.22	-7	28.15	-35.61	-71.23	24.04
EBITDA Margin	-2.85%	-0.72%	3.13%	-3.82%	-8.59%	3.01%
D&A For EBITDA	0.75	1.78	0.92	1.95	1.62	1.36
EBIT	-38.97	-8.78	27.24	-37.56	-72.85	22.67
EBIT Margin	-2.90%	-0.90%	3.02%	-4.03%	-8.79%	2.84%
Effective Tax Rate	24.07%	26.11%	19.07%	-	-	66.71%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.