Chubb Arabia Cooperative Insurance Company (TADAWUL:8240)

TADAWUL:8240 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	162.67	162.33	139.72	299.36	102.26	85.4
Total Interest & Dividend Income	16.29	15.72	14.12	8.55	5.79	7.54
Gain (Loss) on Sale of Investments	2.06	1.54	3.77	-0.14	-1.86	1.46
Other Revenue	14.61	0.8	7.18	-78.48	26.75	27.14
Total Revenue	195.63	180.4	164.79	229.28	132.94	121.54
Revenue Growth (YoY)	91.76%	9.47%	-28.13%	72.47%	9.38%	-2.27%
Policy Benefits	160.8	143.43	117.71	197.35	54.08	23.17
Policy Acquisition & Underwriting Costs	-	-	-	-	21.69	19.43
Selling, General & Administrative	0.02	-	-	-	42.57	40.16
Provision for Bad Debts	-	-	-	-	-0.79	-2.47
Other Operating Expenses	15.74	16.12	15.09	13.52	1.85	4.43
Total Operating Expenses	176.56	159.56	132.8	210.87	119.41	84.71
Operating Income	19.07	20.84	31.99	18.42	13.54	36.82
Other Non Operating Income (Expenses)	0.6	0.81	0.31	1.28	-	-
Pretax Income	19.6	21.66	32.3	19.69	13.54	36.82
Income Tax Expense	6.01	5.36	7.48	7.15	6.37	6.53
Net Income	13.59	16.29	24.82	12.54	7.16	30.29
Net Income to Common	13.59	16.29	24.82	12.54	7.16	30.29
Net Income Growth	-48.69%	-34.35%	97.95%	75.05%	-76.35%	3.21%
Shares Outstanding (Basic)	30	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30	30
EPS (Basic)	0.45	0.54	0.83	0.42	0.24	1.01
EPS (Diluted)	0.45	0.54	0.83	0.42	0.24	1.01
EPS Growth	-49.01%	-34.72%	97.95%	75.05%	-76.35%	3.21%
Free Cash Flow	21.65	12.64	35.81	23.97	-0.86	27.13
Free Cash Flow Per Share	0.72	0.42	1.19	0.80	-0.03	0.90
Operating Margin	9.75%	11.55%	19.41%	8.03%	10.18%	30.30%
Profit Margin	6.94%	9.03%	15.06%	5.47%	5.39%	24.92%
Free Cash Flow Margin	11.06%	7.01%	21.73%	10.46%	-0.65%	22.32%
EBITDA	20.14	21.91	32.76	19.09	13.96	37.05
EBITDA Margin	10.29%	12.15%	19.88%	8.33%	10.50%	30.48%
D&A For EBITDA	1.07	1.07	0.76	0.68	0.42	0.22
EBIT	19.07	20.84	31.99	18.42	13.54	36.82
EBIT Margin	9.75%	11.55%	19.41%	8.03%	10.18%	30.30%
Effective Tax Rate	30.68%	24.77%	23.17%	36.33%	47.09%	17.75%

Updated Mar 18, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.