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	Mar 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	677.81	679.46	781.48	667.94	567.04	528.4
Total Interest & Dividend Income	23.7	22.96	18.06	6.62	11.48	13.21
Gain (Loss) on Sale of Investments	-0.85	0.28	0.34	15	2.11	-0.64
Other Revenue	1.79	1.45	20.64	-	27.35	41.02
Total Revenue	702.45	704.15	820.51	689.56	607.99	581.98
Revenue Growth (YoY)	-10.11%	-14.18%	18.99%	13.42%	4.47%	-15.54%
Policy Benefits	625.74	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	12.68	14.98	12.45	-	-	5.58
Total Operating Expenses	638.42	650.17	742.18	753.35	663.53	524.39
Operating Income	64.03	53.99	78.33	-63.79	-55.54	57.58
Other Non Operating Income (Expenses)	0.52	-	-	9.38	-	-
Pretax Income	64.55	53.99	78.33	-54.41	-55.54	57.58
Income Tax Expense	4.19	4.67	7.24	7.24	7.1	10.26
Net Income	60.36	49.32	71.1	-61.65	-62.63	47.32
Net Income to Common	60.36	49.32	71.1	-61.65	-62.63	47.32
Net Income Growth	-8.66%	-30.63%	-	-	-	-
Shares Outstanding (Basic)	30	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30	30
EPS (Basic)	2.01	1.64	2.37	-2.05	-2.09	1.58
EPS (Diluted)	2.01	1.64	2.37	-2.05	-2.09	1.58
EPS Growth	-8.66%	-30.63%	-	-	-	-
Free Cash Flow	271.88	174.97	-9.16	-5	-41.34	-16.23
Free Cash Flow Per Share	9.06	5.83	-0.30	-0.17	-1.38	-0.54
Operating Margin	9.12%	7.67%	9.55%	-9.25%	-9.13%	9.89%
Profit Margin	8.59%	7.00%	8.67%	-8.94%	-10.30%	8.13%
Free Cash Flow Margin	38.70%	24.85%	-1.12%	-0.73%	-6.80%	-2.79%
EBITDA	68.39	62.19	81.92	-61.14	-52.4	61.56
EBITDA Margin	9.74%	8.83%	9.98%	-8.87%	-8.62%	10.58%
D&A For EBITDA	4.36	8.2	3.59	2.65	3.14	3.97
EBIT	64.03	53.99	78.33	-63.79	-55.54	57.58
EBIT Margin	9.12%	7.67%	9.55%	-9.25%	-9.13%	9.89%
Effective Tax Rate	6.49%	8.64%	9.24%	-	-	17.82%

Updated Mar 20, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.