Gulf Insurance Group (TADAWUL:8250)

Gulf Insurance Group Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	1,554	1,504	1,464	1,565	1,481	1,282
Total Interest & Dividend Income	130.27	96.89	108.22	97.95	69.7	-
Gain (Loss) on Sale of Investments	4.52	4.52	-0.48	6.96	-3.93	4.31
Other Revenue	-	-	-	-	-	81.08
Total Revenue	1,689	1,605	1,571	1,670	1,546	1,367
Revenue Growth (YoY)	10.28%	2.16%	-5.89%	7.97%	13.12%	2.12%
Policy Benefits	1,452	1,386	1,358	1,454	1,498	885.42
Policy Acquisition & Underwriting Costs	-	-	-	-	-	129.19
Selling, General & Administrative	-	-	-	-	-	168.91
Other Operating Expenses	37.81	38.69	43.05	11.63	-	16.03
Total Operating Expenses	1,490	1,425	1,401	1,466	1,498	1,200
Operating Income	198.84	180.26	170.1	203.63	48.57	167.54
Interest Expense	-25.02	-25.02	-45.97	-48.56	-	-0.81
Other Non Operating Income (Expenses)	0.25	0.25	1.32	0.29	-15.15	-
Pretax Income	174.07	155.49	125.45	155.37	33.42	166.73
Income Tax Expense	31.24	29.3	27.26	26.84	17.51	28.21
Net Income	142.84	126.19	98.2	128.53	15.91	138.52
Net Income to Common	142.84	126.19	98.2	128.53	15.91	138.52
Net Income Growth	-1.83%	28.51%	-23.60%	707.68%	-88.51%	0.02%
Shares Outstanding (Basic)	53	53	53	53	53	53
Shares Outstanding (Diluted)	53	53	53	53	53	53
Shares Change (YoY)	0.48%	-	-	-	-	-
EPS (Basic)	2.71	2.40	1.87	2.45	0.30	2.64
EPS (Diluted)	2.71	2.40	1.87	2.45	0.30	2.64
EPS Growth	-2.30%	28.51%	-23.60%	707.68%	-88.51%	-
Free Cash Flow	184.95	60.33	69.43	176.48	76.95	108.82
Free Cash Flow Per Share	3.51	1.15	1.32	3.36	1.47	2.07
Dividend Per Share	-	1.200	1.200	1.500	0.476	0.952
Dividend Growth	-	-	-20.00%	214.99%	-50.00%	-
Operating Margin	11.77%	11.23%	10.83%	12.20%	3.14%	12.26%
Profit Margin	8.46%	7.86%	6.25%	7.70%	1.03%	10.13%
Free Cash Flow Margin	10.95%	3.76%	4.42%	10.57%	4.98%	7.96%
EBITDA	202.5	183.65	175.71	211.9	54.86	174.35
EBITDA Margin	11.99%	11.44%	11.18%	12.69%	3.55%	12.75%
D&A For EBITDA	3.66	3.4	5.61	8.27	6.29	6.81
EBIT	198.84	180.26	170.1	203.63	48.57	167.54
EBIT Margin	11.77%	11.23%	10.83%	12.20%	3.14%	12.26%
Effective Tax Rate	17.94%	18.84%	21.73%	17.28%	52.39%	16.92%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.