TADAWUL:8070 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	1,246	1,059	795.81	602.58	365.44	335.51
Total Interest & Dividend Income	144.07	144.31	161.51	36.55	1.63	4.09
Gain (Loss) on Sale of Investments	-11.54	1.45	4.26	0.12	13.18	7.77
Other Revenue	3.65	7.58	17.82	-	60.46	48.52
Total Revenue	1,382	1,213	979.4	639.26	440.72	395.89
Revenue Growth (YoY)	14.22%	23.83%	53.21%	45.05%	11.32%	-19.87%
Policy Benefits	1,102	805.1	655.32	611.29	277.67	241.78
Policy Acquisition & Underwriting Costs	146.37	137.37	73.73	-	38.65	23.93
Depreciation & Amortization	-	-	-	-	4.38	4.61
Selling, General & Administrative	-4.12	0.49	0.68	0.12	57	63.59
Provision for Bad Debts	-	-	-	-	5.88	1.24
Other Operating Expenses	96.19	116.33	86.53	27.46	20.53	17.14
Total Operating Expenses	1,340	1,059	816.25	638.86	404.11	352.29
Operating Income	42.14	153.47	163.15	0.4	36.61	43.6
Interest Expense	-59.76	-59.76	-83.31	-	-	-
Currency Exchange Gain (Loss)	0.04	0.01	0.05	0.01	-	-
EBT Excluding Unusual Items	-17.59	93.73	79.89	0.41	36.61	43.6
Other Unusual Items	-	-	7.99	-	-	-
Pretax Income	-17.59	93.73	87.89	0.41	36.61	43.6
Income Tax Expense	13.46	22.73	20.95	18.63	10.45	11.95
Net Income	-31.05	71	66.94	-18.23	26.15	31.66
Net Income to Common	-31.05	71	66.94	-18.23	26.15	31.66
Net Income Growth	-	6.06%	-	-	-17.39%	335.81%
Shares Outstanding (Basic)	80	80	66	63	40	40
Shares Outstanding (Diluted)	80	80	66	63	40	40
Shares Change (YoY)	2.31%	20.86%	4.60%	57.84%	-0.18%	-0.70%
EPS (Basic)	-0.39	0.89	1.01	-0.29	0.65	0.79
EPS (Diluted)	-0.39	0.89	1.01	-0.29	0.65	0.79
EPS Growth	-	-12.25%	-	-	-17.24%	338.89%
Free Cash Flow	275.86	-34.12	226.04	83.13	-76.1	90.67
Free Cash Flow Per Share	3.46	-0.43	3.42	1.32	-1.90	2.26
Operating Margin	3.05%	12.65%	16.66%	0.06%	8.31%	11.01%
Profit Margin	-2.25%	5.85%	6.83%	-2.85%	5.93%	8.00%
Free Cash Flow Margin	19.96%	-2.81%	23.08%	13.00%	-17.27%	22.90%
EBITDA	44.15	161.37	173.66	5.46	38.05	45.51
EBITDA Margin	3.19%	13.31%	17.73%	0.85%	8.63%	11.49%
D&A For EBITDA	2.01	7.9	10.51	5.06	1.44	1.91
EBIT	42.14	153.47	163.15	0.4	36.61	43.6
EBIT Margin	3.05%	12.65%	16.66%	0.06%	8.31%	11.01%
Effective Tax Rate	-	24.25%	23.84%	4588.92%	28.56%	27.40%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.