Al Khaleej Takaful

Al Khaleej Takaful Group

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Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	29.43M	64.99M	26.66M	32.10M	34.68M
Free Cash Flow	27.89M	64.27M	24.29M	29.88M	33.17M
Capital Expenditures	-1.54M	-0.72M	-2.36M	-2.21M	-1.51M
Investing & Financing
Investing Cash Flow	1.32M	-17.20M	1.64M	-114.34M	-47.18M
Financing Cash Flow	-38.47M	-31.85M	-24.50M	-17.68M	-12.16M
Dividends Paid	-38.44M	-31.62M	-24.08M	-17.68M	-11.95M
Operating Activities
Operating Cash Flow	29.43M	64.99M	26.66M	32.10M	34.68M
Net Income	71.13M	74.27M	64.57M	56.54M	40.13M
Change Accounts Payable Insurance	7.19M	-11.17M	0.39M	3.71M	0.81M
Change Accounts Receivable Insurance	—	—	6.59M	1.29M	-0.76M
Change in Unearned Revenue	1.90M	1.43M	4.18M	-3.41M	0.03M
Change in Working Capital	26.83M	32.10M	-4.58M	8.43M	2.55M
Change Insurance Reserves Liabilities	15.19M	0.62M	25.76M	-23.98M	-26.56M
Change Other Net Oper Assets Insurance	2.75M	-0.16M	-2.48M	10.12M	-5.33M
Other Operating Activities Insurance	-60.89M	-31.29M	-33.70M	-26.78M	-10.59M
Depreciation & Amortization	2.87M	2.47M	2.36M	1.90M	6.67M
Other Amortization	159.55K	161.58K	163.52K	165.50K	153.20K
Cash Income Tax Paid	106.47K	—	0.10K	18.58K	20.31K
Reinsurance Recoverable CF	-0.20M	41.38M	-21.29M	7.69M	46.93M
Investing Activities
Investing Cash Flow	1.32M	-17.20M	1.64M	-114.34M	-47.18M
Capex Insurance	-1.54M	-0.72M	-2.36M	-2.21M	-1.51M
Investment in Securities	-38.79M	-57.26M	-34.74M	-138.47M	-59.68M
Other Investing Activities	45.77M	42.45M	36.99M	24.91M	14.30M
Sale of Property, Plant & Equipment	5.50K	15.00K	284.20K	—	—
Gain Assets CF Insurance	-5.50K	-15.00K	-78.75K	138.64K	—
Loss (Gain) on Sale of Investments	2.45M	1.10M	7.44M	1.69M	-2.60M
Financing Activities
Financing Cash Flow	-38.47M	-31.85M	-24.50M	-17.68M	-12.16M
Common Dividends Paid	-38.44M	-31.62M	-24.08M	-17.68M	-11.95M
Long-Term Debt Repaid	-35.95K	-224.66K	-424.22K	—	-212.20K
Net Debt Issued Insurance	-35.95K	-224.66K	-424.22K	—	-212.20K
Other Financing Activities Insurance	—	—	—	—	9.88K
Total Debt Repaid Insurance	-35.95K	-224.66K	-424.22K	—	-212.20K
Free Cash Flow & Returns
Free Cash Flow	27.89M	64.27M	24.29M	29.88M	33.17M
Free Cash Flow Growth	-56.6%	+164.6%	-18.7%	-9.9%	-22.0%
Free Cash Flow Margin	+63.1%	+134.0%	+9.6%	+13.7%	+18.1%
Free Cash Flow Per Share	0.11	0.25	0.10	0.12	0.13
Levered Free Cash Flow	39.42M	-95.84M	46.87M	39.30M	79.29M
Unlevered Free Cash Flow	39.42M	-95.84M	46.87M	39.30M	79.29M
Operating Cash Flow Growth	-54.7%	+143.8%	-16.9%	-7.4%	-23.1%
Net Cash Flow	-7.72M	15.94M	3.80M	-99.93M	-24.66M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (QAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	29.43M	64.99M	26.66M	32.10M	34.68M
Free Cash Flow	27.89M	64.27M	24.29M	29.88M	33.17M
Capital Expenditures	-1.54M	-0.72M	-2.36M	-2.21M	-1.51M
Investing & Financing
Investing Cash Flow	1.32M	-17.20M	1.64M	-114.34M	-47.18M
Financing Cash Flow	-38.47M	-31.85M	-24.50M	-17.68M	-12.16M
Dividends Paid	-38.44M	-31.62M	-24.08M	-17.68M	-11.95M
Operating Activities
Operating Cash Flow	29.43M	64.99M	26.66M	32.10M	34.68M
Net Income	71.13M	74.27M	64.57M	56.54M	40.13M
Change Accounts Payable Insurance	7.19M	-11.17M	0.39M	3.71M	0.81M
Change Accounts Receivable Insurance	—	—	6.59M	1.29M	-0.76M
Change in Unearned Revenue	1.90M	1.43M	4.18M	-3.41M	0.03M
Change in Working Capital	26.83M	32.10M	-4.58M	8.43M	2.55M
Change Insurance Reserves Liabilities	15.19M	0.62M	25.76M	-23.98M	-26.56M
Change Other Net Oper Assets Insurance	2.75M	-0.16M	-2.48M	10.12M	-5.33M
Other Operating Activities Insurance	-60.89M	-31.29M	-33.70M	-26.78M	-10.59M
Depreciation & Amortization	2.87M	2.47M	2.36M	1.90M	6.67M
Other Amortization	159.55K	161.58K	163.52K	165.50K	153.20K
Cash Income Tax Paid	106.47K	—	0.10K	18.58K	20.31K
Reinsurance Recoverable CF	-0.20M	41.38M	-21.29M	7.69M	46.93M
Investing Activities
Investing Cash Flow	1.32M	-17.20M	1.64M	-114.34M	-47.18M
Capex Insurance	-1.54M	-0.72M	-2.36M	-2.21M	-1.51M
Investment in Securities	-38.79M	-57.26M	-34.74M	-138.47M	-59.68M
Other Investing Activities	45.77M	42.45M	36.99M	24.91M	14.30M
Sale of Property, Plant & Equipment	5.50K	15.00K	284.20K	—	—
Gain Assets CF Insurance	-5.50K	-15.00K	-78.75K	138.64K	—
Loss (Gain) on Sale of Investments	2.45M	1.10M	7.44M	1.69M	-2.60M
Financing Activities
Financing Cash Flow	-38.47M	-31.85M	-24.50M	-17.68M	-12.16M
Common Dividends Paid	-38.44M	-31.62M	-24.08M	-17.68M	-11.95M
Long-Term Debt Repaid	-35.95K	-224.66K	-424.22K	—	-212.20K
Net Debt Issued Insurance	-35.95K	-224.66K	-424.22K	—	-212.20K
Other Financing Activities Insurance	—	—	—	—	9.88K
Total Debt Repaid Insurance	-35.95K	-224.66K	-424.22K	—	-212.20K
Free Cash Flow & Returns
Free Cash Flow	27.89M	64.27M	24.29M	29.88M	33.17M
Free Cash Flow Growth	-56.6%	+164.6%	-18.7%	-9.9%	-22.0%
Free Cash Flow Margin	+63.1%	+134.0%	+9.6%	+13.7%	+18.1%
Free Cash Flow Per Share	0.11	0.25	0.10	0.12	0.13
Levered Free Cash Flow	39.42M	-95.84M	46.87M	39.30M	79.29M
Unlevered Free Cash Flow	39.42M	-95.84M	46.87M	39.30M	79.29M
Operating Cash Flow Growth	-54.7%	+143.8%	-16.9%	-7.4%	-23.1%
Net Cash Flow	-7.72M	15.94M	3.80M	-99.93M	-24.66M