Saudi Arabian Cooperative Insurance Company (TADAWUL:8100)

TADAWUL:8100 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	724.9	679.46	781.48	667.94	567.04
Total Interest & Dividend Income	20.65	22.96	18.06	6.62	11.48
Gain (Loss) on Sale of Investments	-4.46	0.28	0.34	15	2.11
Other Revenue	0.34	1.45	20.64	-	27.35
Total Revenue	741.43	704.15	820.51	689.56	607.99
Revenue Growth (YoY)	5.29%	-14.18%	18.99%	13.42%	4.47%
Policy Benefits	708.2	635.19	729.73	745.79	463.48
Policy Acquisition & Underwriting Costs	-	-	-	-	61.09
Selling, General & Administrative	-	-	-	7.56	129.61
Provision for Bad Debts	-	-	-	-	9.34
Other Operating Expenses	8.87	18.37	12.45	-	-
Total Operating Expenses	717.07	653.56	742.18	753.35	663.53
Operating Income	24.36	50.59	78.33	-63.79	-55.54
Other Non Operating Income (Expenses)	4.07	3.39	-	9.38	-
Pretax Income	28.43	53.99	78.33	-54.41	-55.54
Income Tax Expense	6.25	4.67	7.24	7.24	7.1
Net Income	22.18	49.32	71.1	-61.65	-62.63
Net Income to Common	22.18	49.32	71.1	-61.65	-62.63
Net Income Growth	-55.03%	-30.63%	-	-	-
Shares Outstanding (Basic)	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30
EPS (Basic)	0.74	1.64	2.37	-2.05	-2.09
EPS (Diluted)	0.74	1.64	2.37	-2.05	-2.09
EPS Growth	-55.03%	-30.63%	-	-	-
Free Cash Flow	9.95	174.97	-9.16	-5	-41.34
Free Cash Flow Per Share	0.33	5.83	-0.30	-0.17	-1.38
Operating Margin	3.28%	7.18%	9.55%	-9.25%	-9.13%
Profit Margin	2.99%	7.00%	8.67%	-8.94%	-10.30%
Free Cash Flow Margin	1.34%	24.85%	-1.12%	-0.73%	-6.80%
EBITDA	29.99	58.79	81.92	-61.14	-52.4
EBITDA Margin	4.04%	8.35%	9.98%	-8.87%	-8.62%
D&A For EBITDA	5.63	8.2	3.59	2.65	3.14
EBIT	24.36	50.59	78.33	-63.79	-55.54
EBIT Margin	3.28%	7.18%	9.55%	-9.25%	-9.13%
Effective Tax Rate	22.00%	8.64%	9.24%	-	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.