TAWUNIYA

Company for Cooperative Insurance

8010StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	0.14B	2.87B	1.60B	1.17B	0.92B
Free Cash Flow	0.07B	2.72B	1.54B	1.13B	0.91B
Capital Expenditures	-67.69M	-156.88M	-58.91M	-46.21M	-14.78M
Investing & Financing
Investing Cash Flow	-0.78B	-2.67B	-1.04B	-0.70B	0.33B
Financing Cash Flow	265.70M	-208.55M	-130.64M	-0.03M	-510.92M
Dividends Paid	-226.48M	-148.41M	-124.85M	-0.03M	-97.78M
Share Repurchase	-28.77M	-40.10M	—	—	—
Operating Activities
Operating Cash Flow	0.14B	2.87B	1.60B	1.17B	0.92B
Net Income	1.10B	1.02B	0.62B	0.30B	0.27B
Change Accounts Receivable Insurance	—	—	—	—	0.22B
Change in Unearned Revenue	—	—	—	—	716.64M
Change in Working Capital	-0.34B	2.23B	1.29B	1.20B	0.80B
Change Insurance Reserves Liabilities	-0.96B	0.95B	2.34B	2.66B	-0.62B
Change Other Net Oper Assets Insurance	0.50B	0.76B	-0.27B	-1.35B	0.11B
Other Operating Activities Insurance	-465.22M	-481.73M	-368.21M	-410.70M	-59.51M
Depreciation & Amortization	188.65M	111.50M	51.15M	46.94M	32.32M
Stock-Based Compensation	15.38M	11.47M	—	—	—
Cash Interest Paid	—	—	—	—	5.75M
Reinsurance Recoverable CF	0.13B	0.52B	-0.78B	-0.11B	0.13B
Investing Activities
Investing Cash Flow	-0.78B	-2.67B	-1.04B	-0.70B	0.33B
Capex Insurance	-67.69M	-156.88M	-58.91M	-46.21M	-14.78M
Investment in Securities	-0.82B	-2.98B	-1.36B	-0.85B	0.21B
Other Investing Activities	479.22M	545.83M	399.59M	206.80M	151.11M
Sale Of Intangibles Insurance	-372.47M	-248.68M	-19.94M	-15.65M	-13.94M
Gain Assets CF Insurance	—	-36.24M	—	—	—
Loss (Gain) on Sale of Investments	-204.69M	-55.34M	56.18M	-76.46M	-141.96M
Financing Activities
Financing Cash Flow	265.70M	-208.55M	-130.64M	-0.03M	-510.92M
Common Dividends Paid	-226.48M	-148.41M	-124.85M	-0.03M	-97.78M
Common Repurchased Insurance	-28.77M	-40.10M	—	—	—
Long-Term Debt Issued	550.00M	—	—	—	—
Short-Term Debt Issued	—	—	—	—	—
Total Debt Issued	550.00M	—	—	—	—
Long-Term Debt Repaid	—	—	-5.79M	—	-7.39M
Short-Term Debt Repaid	—	—	—	—	-400.00M
Net Debt Issued Insurance	550.00M	—	-5.79M	—	-407.39M
Other Financing Activities Insurance	-29.05M	-20.04M	—	—	-5.75M
Total Debt Repaid Insurance	—	—	-5.79M	—	-407.39M
Free Cash Flow & Returns
Free Cash Flow	0.07B	2.72B	1.54B	1.13B	0.91B
Free Cash Flow Growth	-97.5%	+76.5%	+36.5%	+24.1%	—
Free Cash Flow Margin	+0.4%	+16.3%	+11.1%	+11.1%	+10.9%
Free Cash Flow Per Share	0.46	18.10	10.26	7.52	6.06
Levered Free Cash Flow	-3.49B	-8.95B	0.85B	0.08B	1.69B
Unlevered Free Cash Flow	-3.48B	-8.94B	0.85B	0.08B	1.69B
Operating Cash Flow Growth	-95.2%	+79.8%	+36.1%	+27.1%	—
Net Cash Flow	-376.31M	-4.24M	422.51M	471.06M	742.47M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	0.14B	2.87B	1.60B	1.17B	0.92B
Free Cash Flow	0.07B	2.72B	1.54B	1.13B	0.91B
Capital Expenditures	-67.69M	-156.88M	-58.91M	-46.21M	-14.78M
Investing & Financing
Investing Cash Flow	-0.78B	-2.67B	-1.04B	-0.70B	0.33B
Financing Cash Flow	265.70M	-208.55M	-130.64M	-0.03M	-510.92M
Dividends Paid	-226.48M	-148.41M	-124.85M	-0.03M	-97.78M
Share Repurchase	-28.77M	-40.10M	—	—	—
Operating Activities
Operating Cash Flow	0.14B	2.87B	1.60B	1.17B	0.92B
Net Income	1.10B	1.02B	0.62B	0.30B	0.27B
Change Accounts Receivable Insurance	—	—	—	—	0.22B
Change in Unearned Revenue	—	—	—	—	716.64M
Change in Working Capital	-0.34B	2.23B	1.29B	1.20B	0.80B
Change Insurance Reserves Liabilities	-0.96B	0.95B	2.34B	2.66B	-0.62B
Change Other Net Oper Assets Insurance	0.50B	0.76B	-0.27B	-1.35B	0.11B
Other Operating Activities Insurance	-465.22M	-481.73M	-368.21M	-410.70M	-59.51M
Depreciation & Amortization	188.65M	111.50M	51.15M	46.94M	32.32M
Stock-Based Compensation	15.38M	11.47M	—	—	—
Cash Interest Paid	—	—	—	—	5.75M
Reinsurance Recoverable CF	0.13B	0.52B	-0.78B	-0.11B	0.13B
Investing Activities
Investing Cash Flow	-0.78B	-2.67B	-1.04B	-0.70B	0.33B
Capex Insurance	-67.69M	-156.88M	-58.91M	-46.21M	-14.78M
Investment in Securities	-0.82B	-2.98B	-1.36B	-0.85B	0.21B
Other Investing Activities	479.22M	545.83M	399.59M	206.80M	151.11M
Sale Of Intangibles Insurance	-372.47M	-248.68M	-19.94M	-15.65M	-13.94M
Gain Assets CF Insurance	—	-36.24M	—	—	—
Loss (Gain) on Sale of Investments	-204.69M	-55.34M	56.18M	-76.46M	-141.96M
Financing Activities
Financing Cash Flow	265.70M	-208.55M	-130.64M	-0.03M	-510.92M
Common Dividends Paid	-226.48M	-148.41M	-124.85M	-0.03M	-97.78M
Common Repurchased Insurance	-28.77M	-40.10M	—	—	—
Long-Term Debt Issued	550.00M	—	—	—	—
Short-Term Debt Issued	—	—	—	—	—
Total Debt Issued	550.00M	—	—	—	—
Long-Term Debt Repaid	—	—	-5.79M	—	-7.39M
Short-Term Debt Repaid	—	—	—	—	-400.00M
Net Debt Issued Insurance	550.00M	—	-5.79M	—	-407.39M
Other Financing Activities Insurance	-29.05M	-20.04M	—	—	-5.75M
Total Debt Repaid Insurance	—	—	-5.79M	—	-407.39M
Free Cash Flow & Returns
Free Cash Flow	0.07B	2.72B	1.54B	1.13B	0.91B
Free Cash Flow Growth	-97.5%	+76.5%	+36.5%	+24.1%	—
Free Cash Flow Margin	+0.4%	+16.3%	+11.1%	+11.1%	+10.9%
Free Cash Flow Per Share	0.46	18.10	10.26	7.52	6.06
Levered Free Cash Flow	-3.49B	-8.95B	0.85B	0.08B	1.69B
Unlevered Free Cash Flow	-3.48B	-8.94B	0.85B	0.08B	1.69B
Operating Cash Flow Growth	-95.2%	+79.8%	+36.1%	+27.1%	—
Net Cash Flow	-376.31M	-4.24M	422.51M	471.06M	742.47M