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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	166.36	162.33	139.72	299.36	102.26	85.4
Total Interest & Dividend Income	16.05	15.72	14.12	8.55	5.79	7.54
Gain (Loss) on Sale of Investments	2.83	1.54	3.77	-0.14	-1.86	1.46
Other Revenue	0.98	0.8	7.18	-78.48	26.75	27.14
Total Revenue	186.22	180.4	164.79	229.28	132.94	121.54
Revenue Growth (YoY)	-33.59%	9.47%	-28.13%	72.47%	9.38%	-2.27%
Policy Benefits	154.2	143.43	117.71	197.35	54.08	23.17
Policy Acquisition & Underwriting Costs	-	-	-	-	21.69	19.43
Selling, General & Administrative	0.03	-	-	-	42.57	40.16
Provision for Bad Debts	-	-	-	-	-0.79	-2.47
Other Operating Expenses	16.16	16.12	15.09	13.52	1.85	4.43
Total Operating Expenses	170.4	159.56	132.8	210.87	119.41	84.71
Operating Income	15.82	20.84	31.99	18.42	13.54	36.82
Other Non Operating Income (Expenses)	0.59	0.81	0.31	1.28	-	-
Pretax Income	16.3	21.66	32.3	19.69	13.54	36.82
Income Tax Expense	5.34	5.36	7.48	7.15	6.37	6.53
Net Income	10.95	16.29	24.82	12.54	7.16	30.29
Net Income to Common	10.95	16.29	24.82	12.54	7.16	30.29
Net Income Growth	-56.45%	-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)	0.37	0.54	0.83	0.42	0.24	1.01
EPS (Diluted)	0.36	0.54	0.83	0.42	0.24	1.01
EPS Growth	-57.06%	-34.72%	97.95%	75.05%	-76.35%	3.21%
Free Cash Flow	58.4	12.64	35.81	23.97	-0.86	27.13
Free Cash Flow Per Share	1.95	0.42	1.19	0.80	-0.03	0.90
Operating Margin	8.50%	11.55%	19.41%	8.03%	10.18%	30.30%
Profit Margin	5.88%	9.03%	15.06%	5.47%	5.39%	24.92%
Free Cash Flow Margin	31.36%	7.01%	21.73%	10.46%	-0.65%	22.32%
EBITDA	16.89	21.91	32.76	19.09	13.96	37.05
EBITDA Margin	9.07%	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	15.82	20.84	31.99	18.42	13.54	36.82
EBIT Margin	8.50%	11.55%	19.41%	8.03%	10.18%	30.30%
Effective Tax Rate	32.79%	24.77%	23.17%	36.33%	47.09%	17.75%

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