Saudi Enaya Cooperative Insurance Company (TADAWUL:8311)

TADAWUL:8311 Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	170.54	233.51	250.88	226.93	157.3
Total Interest & Dividend Income	8.91	13.17	14.85	5.19	-
Gain (Loss) on Sale of Investments	-	0.21	-	0.13	5.5
Other Revenue	-	0.9	5.01	5.05	3.59
Total Revenue	179.45	247.78	270.74	237.3	166.39
Revenue Growth (YoY)	-27.58%	-8.48%	14.09%	42.62%	-8.60%
Policy Benefits	159.69	258.48	236.2	233.78	162.48
Policy Acquisition & Underwriting Costs	-	-	-	-	7.6
Selling, General & Administrative	-	-	-	-	47.95
Provision for Bad Debts	-0.01	-0.07	-0.77	0.35	-2.62
Other Operating Expenses	18.43	15.73	14.63	10.33	8.96
Total Operating Expenses	178.1	274.14	250.05	244.46	224.37
Operating Income	1.34	-26.35	20.68	-7.16	-57.99
Other Non Operating Income (Expenses)	-	-	-	2.25	-
Pretax Income	1.34	-26.35	20.68	-4.91	-57.99
Income Tax Expense	8.04	0.41	0.46	1.45	3.99
Net Income	-6.7	-26.76	20.22	-6.36	-61.97
Net Income to Common	-6.7	-26.76	20.22	-6.36	-61.97
Shares Outstanding (Basic)	23	23	23	14	10
Shares Outstanding (Diluted)	23	23	23	14	10
Shares Change (YoY)	-	-	68.60%	36.42%	-
EPS (Basic)	-0.29	-1.16	0.88	-0.47	-6.20
EPS (Diluted)	-0.29	-1.16	0.88	-0.47	-6.20
Free Cash Flow	-38.57	-45.78	-19.12	-52.45	9.63
Free Cash Flow Per Share	-1.68	-1.99	-0.83	-3.85	0.96
Operating Margin	0.75%	-10.64%	7.64%	-3.02%	-34.85%
Profit Margin	-3.73%	-10.80%	7.47%	-2.68%	-37.25%
Free Cash Flow Margin	-21.50%	-18.48%	-7.06%	-22.10%	5.79%
EBITDA	2.36	-25.15	21.86	-6.05	-56.4
EBITDA Margin	1.32%	-10.15%	8.07%	-2.55%	-33.90%
D&A For EBITDA	1.02	1.2	1.18	1.11	1.58
EBIT	1.34	-26.35	20.68	-7.16	-57.99
EBIT Margin	0.75%	-10.63%	7.64%	-3.02%	-34.85%
Effective Tax Rate	599.18%	-	2.23%	-	-

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