Kuwait Insurance Company

Kuwait Insurance Company S.A.K.

KINSStocksBoursa KuwaitInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	40.85M	43.60M	35.39M	94.79M	30.96M
Operating Expenses	31.54M	32.27M	22.87M	49.79M	19.29M
Pretax Income	9.21M	11.21M	12.40M	44.55M	11.55M
Income Tax	87.25K	112.41K	101.11K	434.05K	114.43K
Net Income	8.97M	10.92M	12.12M	44.12M	11.43M
Premium Revenue	32.42M	36.75M	30.05M	50.68M	19.02M
Policy Benefits	34.28M	23.48M	15.52M	44.54M	6.41M
Policy Cost	—	—	—	—	5.98M
EPS (Basic)	0.05	0.06	0.07	0.24	0.06
EPS (Diluted)	0.05	0.06	0.07	0.24	0.06
DPS	0.04	0.04	0.04	0.04	0.03
Margins & Efficiency
Net Margin %	+22.0%	+25.0%	+34.3%	+46.5%	+36.9%
Revenue & Income
Revenue as Reported	—	—	—	—	31.25M
Revenue Growth (YoY)	-6.3%	+23.2%	-62.7%	+206.2%	+12.2%
Revenue Insurance	40.85M	43.60M	35.39M	94.79M	30.96M
Premiums Annuity Rev	32.42M	36.75M	30.05M	50.68M	19.02M
Other Revenue Insurance	1.59M	0.87M	0.57M	0.66M	4.05M
Gain Investment Rev Insurance	1.78M	1.18M	1.31M	35.75M	4.99M
Expenses & Provisions
SG&A Insurance	0.15M	0.15M	0.15M	0.15M	5.87M
Other Opex Insurance	-2.90M	8.64M	7.20M	5.10M	0.29M
Total Opex Insurance	31.54M	32.27M	22.87M	49.79M	19.29M
Other Non Operating Income (Expenses)	-95.22K	-116.30K	-127.98K	-441.98K	-120.93K
Policy Benefits	34.28M	23.48M	15.52M	44.54M	6.41M
Policy Cost	—	—	—	—	5.98M
Provision for Bad Debts	—	—	—	—	750.00K
D&A For EBITDA	153.66K	170.86K	123.78K	312.41K	179.35K
Profitability & Returns
EBIT	9.31M	11.33M	12.52M	44.99M	11.67M
EBIT Margin	+22.8%	+26.0%	+35.4%	+47.5%	+37.7%
EBITDA	9.46M	11.50M	12.65M	45.31M	11.85M
EBITDA Margin	+23.2%	+26.4%	+35.7%	+47.8%	+38.3%
Pretax Income	9.21M	11.21M	12.40M	44.55M	11.55M
Opinc Insurance	9.31M	11.33M	12.52M	44.99M	11.67M
Operating Margin	+22.8%	+26.0%	+35.4%	+47.5%	+37.7%
Profit Margin	+22.0%	+25.0%	+34.3%	+46.5%	+36.9%
Net Income	8.97M	10.92M	12.12M	44.12M	11.43M
Net Income to Common	8.97M	10.92M	12.12M	44.12M	11.43M
Net Income Growth	-17.9%	-10.0%	-72.5%	+285.9%	+8.6%
Earnings From Continuing Ops.	9.13M	11.10M	12.29M	44.12M	11.43M
Minority Interest in Earnings	-157.09K	-179.79K	-169.22K	—	—
Income Tax Expense	87.25K	112.41K	101.11K	434.05K	114.43K
Effective Tax Rate	+0.9%	+1.0%	+0.8%	+1.0%	+1.0%
Per Share & Capital
EPS (Basic)	0.05	0.06	0.07	0.24	0.06
EPS (Diluted)	0.05	0.06	0.07	0.24	0.06
EPS Growth	-17.9%	-10.0%	-72.5%	+285.9%	+8.6%
Dividend Per Share	0.04	0.04	0.04	0.04	0.03
Shares Outstanding (Basic)	184.80M	184.80M	184.80M	184.80M	184.80M
Shares Outstanding (Diluted)	184.80M	184.80M	184.80M	184.80M	184.80M
Dividend Growth	—	—	—	+21.2%	+10.0%
Free Cash Flow	-3.78M	2.48M	3.13M	6.04M	3.71M
Free Cash Flow Margin	-9.3%	+5.7%	+8.8%	+6.4%	+12.0%
Free Cash Flow Per Share	-0.02	0.01	0.02	0.03	0.02
Payout Ratio	+83.3%	+66.8%	+64.9%	+13.6%	+50.7%
Supplemental
Total Interest Dividend Income	5.07M	4.80M	3.46M	7.70M	2.91M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	40.85M	43.60M	35.39M	94.79M	30.96M
Operating Expenses	31.54M	32.27M	22.87M	49.79M	19.29M
Pretax Income	9.21M	11.21M	12.40M	44.55M	11.55M
Income Tax	87.25K	112.41K	101.11K	434.05K	114.43K
Net Income	8.97M	10.92M	12.12M	44.12M	11.43M
Premium Revenue	32.42M	36.75M	30.05M	50.68M	19.02M
Policy Benefits	34.28M	23.48M	15.52M	44.54M	6.41M
Policy Cost	—	—	—	—	5.98M
EPS (Basic)	0.05	0.06	0.07	0.24	0.06
EPS (Diluted)	0.05	0.06	0.07	0.24	0.06
DPS	0.04	0.04	0.04	0.04	0.03
Margins & Efficiency
Net Margin %	+22.0%	+25.0%	+34.3%	+46.5%	+36.9%
Revenue & Income
Revenue as Reported	—	—	—	—	31.25M
Revenue Growth (YoY)	-6.3%	+23.2%	-62.7%	+206.2%	+12.2%
Revenue Insurance	40.85M	43.60M	35.39M	94.79M	30.96M
Premiums Annuity Rev	32.42M	36.75M	30.05M	50.68M	19.02M
Other Revenue Insurance	1.59M	0.87M	0.57M	0.66M	4.05M
Gain Investment Rev Insurance	1.78M	1.18M	1.31M	35.75M	4.99M
Expenses & Provisions
SG&A Insurance	0.15M	0.15M	0.15M	0.15M	5.87M
Other Opex Insurance	-2.90M	8.64M	7.20M	5.10M	0.29M
Total Opex Insurance	31.54M	32.27M	22.87M	49.79M	19.29M
Other Non Operating Income (Expenses)	-95.22K	-116.30K	-127.98K	-441.98K	-120.93K
Policy Benefits	34.28M	23.48M	15.52M	44.54M	6.41M
Policy Cost	—	—	—	—	5.98M
Provision for Bad Debts	—	—	—	—	750.00K
D&A For EBITDA	153.66K	170.86K	123.78K	312.41K	179.35K
Profitability & Returns
EBIT	9.31M	11.33M	12.52M	44.99M	11.67M
EBIT Margin	+22.8%	+26.0%	+35.4%	+47.5%	+37.7%
EBITDA	9.46M	11.50M	12.65M	45.31M	11.85M
EBITDA Margin	+23.2%	+26.4%	+35.7%	+47.8%	+38.3%
Pretax Income	9.21M	11.21M	12.40M	44.55M	11.55M
Opinc Insurance	9.31M	11.33M	12.52M	44.99M	11.67M
Operating Margin	+22.8%	+26.0%	+35.4%	+47.5%	+37.7%
Profit Margin	+22.0%	+25.0%	+34.3%	+46.5%	+36.9%
Net Income	8.97M	10.92M	12.12M	44.12M	11.43M
Net Income to Common	8.97M	10.92M	12.12M	44.12M	11.43M
Net Income Growth	-17.9%	-10.0%	-72.5%	+285.9%	+8.6%
Earnings From Continuing Ops.	9.13M	11.10M	12.29M	44.12M	11.43M
Minority Interest in Earnings	-157.09K	-179.79K	-169.22K	—	—
Income Tax Expense	87.25K	112.41K	101.11K	434.05K	114.43K
Effective Tax Rate	+0.9%	+1.0%	+0.8%	+1.0%	+1.0%
Per Share & Capital
EPS (Basic)	0.05	0.06	0.07	0.24	0.06
EPS (Diluted)	0.05	0.06	0.07	0.24	0.06
EPS Growth	-17.9%	-10.0%	-72.5%	+285.9%	+8.6%
Dividend Per Share	0.04	0.04	0.04	0.04	0.03
Shares Outstanding (Basic)	184.80M	184.80M	184.80M	184.80M	184.80M
Shares Outstanding (Diluted)	184.80M	184.80M	184.80M	184.80M	184.80M
Dividend Growth	—	—	—	+21.2%	+10.0%
Free Cash Flow	-3.78M	2.48M	3.13M	6.04M	3.71M
Free Cash Flow Margin	-9.3%	+5.7%	+8.8%	+6.4%	+12.0%
Free Cash Flow Per Share	-0.02	0.01	0.02	0.03	0.02
Payout Ratio	+83.3%	+66.8%	+64.9%	+13.6%	+50.7%
Supplemental
Total Interest Dividend Income	5.07M	4.80M	3.46M	7.70M	2.91M