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
Operating Summary
Revenue	44.21M	47.96M	254.35M	218.37M	183.14M
Operating Expenses	-27.18M	-26.45M	185.73M	161.52M	142.84M
Pretax Income	71.23M	74.27M	64.57M	56.54M	40.15M
Income Tax	106.47K	—	—	0.10K	18.54K
Net Income	71.13M	74.27M	64.57M	56.54M	40.13M
Premium Revenue	44.21M	47.96M	184.43M	160.78M	134.44M
Policy Benefits	—	—	101.21M	80.58M	69.29M
Policy Cost	—	—	33.40M	33.90M	30.84M
EPS (Basic)	0.28	0.29	0.25	0.22	0.16
EPS (Diluted)	0.28	0.29	0.25	0.22	0.16
DPS	0.15	0.15	0.12	0.10	0.08
Margins & Efficiency
Net Margin %	+160.9%	+154.8%	+25.4%	+25.9%	+21.9%
Revenue & Income
Revenue as Reported	131.79M	130.37M	—	—	—
Revenue Growth (YoY)	-7.8%	-81.1%	+16.5%	+19.2%	+97.1%
Revenue Insurance	44.21M	47.96M	254.35M	218.37M	183.14M
Premiums Annuity Rev	—	—	184.43M	160.78M	134.44M
Other Revenue Insurance	15.60M	21.31M	47.98M	32.99M	32.05M
Gain (Loss) on Sale of Assets	5.50K	15.00K	369.95K	-138.64K	—
Gain Investment Rev Insurance	-2.09M	-4.04M	-8.43M	2.34M	2.60M
Expenses & Provisions
SG&A Insurance	53.49M	47.32M	43.91M	40.86M	32.73M
Other Opex Insurance	-83.54M	-76.25M	4.85M	4.28M	3.30M
Total Opex Insurance	-27.18M	-26.45M	185.73M	161.52M	142.84M
Other Non Operating Income (Expenses)	-159.55K	-161.58K	-163.52K	-165.50K	-153.20K
Policy Benefits	—	—	101.21M	80.58M	69.29M
Policy Cost	—	—	33.40M	33.90M	30.84M
Asset Writedown	—	—	-4.25M	—	—
D&A For EBITDA	2.00M	1.60M	1.49M	1.03M	5.80M
Da Suppl Insurance	2.87M	2.47M	2.36M	1.90M	6.67M
Profitability & Returns
EBIT	71.39M	74.41M	68.62M	56.85M	40.30M
EBIT Margin	+161.5%	+155.2%	+27.0%	+26.0%	+22.0%
EBITDA	73.39M	76.02M	70.12M	57.88M	46.10M
EBITDA Margin	+166.0%	+158.5%	+27.6%	+26.5%	+25.2%
EBT Excluding Unusual Items	71.23M	74.25M	68.46M	56.68M	40.15M
Pretax Income	71.23M	74.27M	64.57M	56.54M	40.15M
Opinc Insurance	71.39M	74.41M	68.62M	56.85M	40.30M
Operating Margin	+161.5%	+155.2%	+27.0%	+26.0%	+22.0%
Profit Margin	+160.9%	+154.8%	+25.4%	+25.9%	+21.9%
Net Income	71.13M	74.27M	64.57M	56.54M	40.13M
Net Income to Common	71.13M	74.27M	64.57M	56.54M	40.13M
Net Income Growth	-4.2%	+15.0%	+14.2%	+40.9%	—
Income Tax Expense	106.47K	—	—	0.10K	18.54K
Effective Tax Rate	+0.1%	—	—	0.0%	0.0%
Per Share & Capital
EPS (Basic)	0.28	0.29	0.25	0.22	0.16
EPS (Diluted)	0.28	0.29	0.25	0.22	0.16
EPS Growth	-4.2%	+15.0%	+14.2%	+40.9%	—
Dividend Per Share	0.15	0.15	0.12	0.10	0.08
Shares Outstanding (Basic)	255.28M	255.28M	255.28M	255.28M	255.28M
Shares Outstanding (Diluted)	255.28M	255.28M	255.28M	255.28M	255.28M
Dividend Growth	—	+25.0%	+20.0%	+33.3%	+50.0%
Free Cash Flow	27.89M	64.27M	24.29M	29.88M	33.17M
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
Payout Ratio	+54.0%	+42.6%	+37.3%	+31.3%	+29.8%
Supplemental
Total Interest Dividend Income	30.70M	30.69M	30.36M	22.27M	14.05M

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
Operating Summary
Revenue	44.21M	47.96M	254.35M	218.37M	183.14M
Operating Expenses	-27.18M	-26.45M	185.73M	161.52M	142.84M
Pretax Income	71.23M	74.27M	64.57M	56.54M	40.15M
Income Tax	106.47K	—	—	0.10K	18.54K
Net Income	71.13M	74.27M	64.57M	56.54M	40.13M
Premium Revenue	44.21M	47.96M	184.43M	160.78M	134.44M
Policy Benefits	—	—	101.21M	80.58M	69.29M
Policy Cost	—	—	33.40M	33.90M	30.84M
EPS (Basic)	0.28	0.29	0.25	0.22	0.16
EPS (Diluted)	0.28	0.29	0.25	0.22	0.16
DPS	0.15	0.15	0.12	0.10	0.08
Margins & Efficiency
Net Margin %	+160.9%	+154.8%	+25.4%	+25.9%	+21.9%
Revenue & Income
Revenue as Reported	131.79M	130.37M	—	—	—
Revenue Growth (YoY)	-7.8%	-81.1%	+16.5%	+19.2%	+97.1%
Revenue Insurance	44.21M	47.96M	254.35M	218.37M	183.14M
Premiums Annuity Rev	—	—	184.43M	160.78M	134.44M
Other Revenue Insurance	15.60M	21.31M	47.98M	32.99M	32.05M
Gain (Loss) on Sale of Assets	5.50K	15.00K	369.95K	-138.64K	—
Gain Investment Rev Insurance	-2.09M	-4.04M	-8.43M	2.34M	2.60M
Expenses & Provisions
SG&A Insurance	53.49M	47.32M	43.91M	40.86M	32.73M
Other Opex Insurance	-83.54M	-76.25M	4.85M	4.28M	3.30M
Total Opex Insurance	-27.18M	-26.45M	185.73M	161.52M	142.84M
Other Non Operating Income (Expenses)	-159.55K	-161.58K	-163.52K	-165.50K	-153.20K
Policy Benefits	—	—	101.21M	80.58M	69.29M
Policy Cost	—	—	33.40M	33.90M	30.84M
Asset Writedown	—	—	-4.25M	—	—
D&A For EBITDA	2.00M	1.60M	1.49M	1.03M	5.80M
Da Suppl Insurance	2.87M	2.47M	2.36M	1.90M	6.67M
Profitability & Returns
EBIT	71.39M	74.41M	68.62M	56.85M	40.30M
EBIT Margin	+161.5%	+155.2%	+27.0%	+26.0%	+22.0%
EBITDA	73.39M	76.02M	70.12M	57.88M	46.10M
EBITDA Margin	+166.0%	+158.5%	+27.6%	+26.5%	+25.2%
EBT Excluding Unusual Items	71.23M	74.25M	68.46M	56.68M	40.15M
Pretax Income	71.23M	74.27M	64.57M	56.54M	40.15M
Opinc Insurance	71.39M	74.41M	68.62M	56.85M	40.30M
Operating Margin	+161.5%	+155.2%	+27.0%	+26.0%	+22.0%
Profit Margin	+160.9%	+154.8%	+25.4%	+25.9%	+21.9%
Net Income	71.13M	74.27M	64.57M	56.54M	40.13M
Net Income to Common	71.13M	74.27M	64.57M	56.54M	40.13M
Net Income Growth	-4.2%	+15.0%	+14.2%	+40.9%	—
Income Tax Expense	106.47K	—	—	0.10K	18.54K
Effective Tax Rate	+0.1%	—	—	0.0%	0.0%
Per Share & Capital
EPS (Basic)	0.28	0.29	0.25	0.22	0.16
EPS (Diluted)	0.28	0.29	0.25	0.22	0.16
EPS Growth	-4.2%	+15.0%	+14.2%	+40.9%	—
Dividend Per Share	0.15	0.15	0.12	0.10	0.08
Shares Outstanding (Basic)	255.28M	255.28M	255.28M	255.28M	255.28M
Shares Outstanding (Diluted)	255.28M	255.28M	255.28M	255.28M	255.28M
Dividend Growth	—	+25.0%	+20.0%	+33.3%	+50.0%
Free Cash Flow	27.89M	64.27M	24.29M	29.88M	33.17M
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
Payout Ratio	+54.0%	+42.6%	+37.3%	+31.3%	+29.8%
Supplemental
Total Interest Dividend Income	30.70M	30.69M	30.36M	22.27M	14.05M