Saudi Arabian Cooperative Insurance Company (TADAWUL:8100)

TADAWUL:8100 Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	697.81	679.46	781.48	667.94	567.04	528.4
Total Interest & Dividend Income	26.48	22.96	18.06	6.62	11.48	13.21
Gain (Loss) on Sale of Investments	-3.01	0.28	0.34	15	2.11	-0.64
Other Revenue	0.55	1.45	20.64	-	27.35	41.02
Total Revenue	721.83	704.15	820.51	689.56	607.99	581.98
Revenue Growth (YoY)	0.14%	-14.18%	18.99%	13.42%	4.47%	-15.54%
Policy Benefits	655.05	635.19	729.73	745.79	463.48	343.89
Policy Acquisition & Underwriting Costs	-	-	-	-	61.09	58.24
Selling, General & Administrative	-	-	-	7.56	129.61	112.66
Provision for Bad Debts	-	-	-	-	9.34	4.03
Other Operating Expenses	11.19	14.98	12.45	-	-	5.58
Total Operating Expenses	666.24	650.17	742.18	753.35	663.53	524.39
Operating Income	55.59	53.99	78.33	-63.79	-55.54	57.58
Other Non Operating Income (Expenses)	0.05	-	-	9.38	-	-
Pretax Income	55.63	53.99	78.33	-54.41	-55.54	57.58
Income Tax Expense	3.71	4.67	7.24	7.24	7.1	10.26
Net Income	51.93	49.32	71.1	-61.65	-62.63	47.32
Net Income to Common	51.93	49.32	71.1	-61.65	-62.63	47.32
Net Income Growth	-11.76%	-30.63%	-	-	-	-
Shares Outstanding (Basic)	30	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30	30
EPS (Basic)	1.73	1.64	2.37	-2.05	-2.09	1.58
EPS (Diluted)	1.73	1.64	2.37	-2.05	-2.09	1.58
EPS Growth	-11.76%	-30.63%	-	-	-	-
Free Cash Flow	24.42	174.97	-9.16	-5	-41.34	-16.23
Free Cash Flow Per Share	0.81	5.83	-0.30	-0.17	-1.38	-0.54
Operating Margin	7.70%	7.67%	9.55%	-9.25%	-9.13%	9.89%
Profit Margin	7.19%	7.00%	8.67%	-8.94%	-10.30%	8.13%
Free Cash Flow Margin	3.38%	24.85%	-1.12%	-0.73%	-6.80%	-2.79%
EBITDA	59.79	62.19	81.92	-61.14	-52.4	61.56
EBITDA Margin	8.28%	8.83%	9.98%	-8.87%	-8.62%	10.58%
D&A For EBITDA	4.2	8.2	3.59	2.65	3.14	3.97
EBIT	55.59	53.99	78.33	-63.79	-55.54	57.58
EBIT Margin	7.70%	7.67%	9.55%	-9.25%	-9.13%	9.89%
Effective Tax Rate	6.66%	8.64%	9.24%	-	-	17.82%

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