TAWUNIYA

Company for Cooperative Insurance

8010StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	5.29B	5.22B	4.83B	4.72B	4.72B
Operating Expenses	4.96B	4.98B	4.61B	4.22B	4.42B
Pretax Income	322.48M	220.38M	211.90M	499.99M	294.36M
Income Tax	33.88M	19.63M	38.64M	32.57M	32.67M
Net Income	288.08M	200.75M	173.26M	467.42M	261.69M
Premium Revenue	5.12B	5.00B	4.68B	4.56B	4.55B
Policy Benefits	4.74B	4.75B	4.34B	4.11B	4.26B
Policy Cost	—	2.04B	—	—	—
EPS (Basic)	1.93	1.34	1.16	3.13	1.75
EPS (Diluted)	1.92	1.32	1.16	3.13	1.74
Margins & Efficiency
Net Margin %	+5.4%	+3.8%	+3.6%	+9.9%	+5.5%
Revenue & Income
Revenue Growth (YoY)	+12.2%	+21.2%	+13.3%	+15.9%	+16.1%
Revenue Insurance	5.29B	5.22B	4.83B	4.72B	4.72B
Premiums Annuity Rev	5.12B	5.00B	4.68B	4.56B	4.55B
Interest & Investment Income	—	—	—	—	—
Other Revenue Insurance	152.14M	162.37M	126.58M	133.25M	154.04M
Earnings From Equity Investments	—	—	—	—	—
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain Investment Rev Insurance	41.13M	61.09M	63.65M	39.50M	40.45M
Non Insurance Rev	10.53M	4.58M	1.63M	1.21M	17.81M
Expenses & Provisions
SG&A Insurance	18.42M	24.14M	26.06M	19.08M	26.92M
Other Opex Insurance	0.21B	-1.75B	0.22B	0.18B	0.13B
Total Opex Insurance	4.96B	4.98B	4.61B	4.22B	4.42B
Interest Expense	-12.92M	-20.55M	—	—	-1.96M
Policy Benefits	4.74B	4.75B	4.34B	4.11B	4.26B
Policy Cost	—	2.04B	—	—	—
Provision for Bad Debts	-4.58M	-80.43M	28.21M	-82.23M	3.69M
D&A For EBITDA	40.42M	17.06M	43.91M	42.14M	50.83M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	335.40M	240.93M	211.90M	499.99M	296.31M
EBIT Margin	+6.3%	+4.6%	+4.4%	+10.6%	+6.3%
EBITDA	375.81M	257.99M	255.81M	542.13M	347.15M
EBITDA Margin	+7.1%	+4.9%	+5.3%	+11.5%	+7.4%
EBT Excluding Unusual Items	322.48M	220.38M	211.90M	499.99M	294.36M
Pretax Income	322.48M	220.38M	211.90M	499.99M	294.36M
Opinc Insurance	335.40M	240.93M	211.90M	499.99M	296.31M
Operating Margin	+6.3%	+4.6%	+4.4%	+10.6%	+6.3%
Profit Margin	+5.4%	+3.8%	+3.6%	+9.9%	+5.5%
Net Income	288.08M	200.75M	173.26M	467.42M	261.69M
Net Income to Common	288.08M	200.75M	173.26M	467.42M	261.69M
Net Income Growth	+10.1%	+19.5%	-12.3%	+1.7%	+33.0%
Earnings From Continuing Ops.	288.60M	200.75M	173.26M	467.42M	261.69M
Minority Interest in Earnings	-519.00K	—	—	—	—
Income Tax Expense	33.88M	19.63M	38.64M	32.57M	32.67M
Effective Tax Rate	+10.5%	+8.9%	+18.2%	+6.5%	+11.1%
Per Share & Capital
EPS (Basic)	1.93	1.34	1.16	3.13	1.75
EPS (Diluted)	1.92	1.32	1.16	3.13	1.74
EPS Growth	+10.3%	+18.8%	-12.1%	+2.0%	+32.7%
Dividend Per Share	—	2.00	—	—	—
Shares Change (YoY)	-0	0.01	-0	-0	0
Shares Outstanding (Basic)	149.54M	149.54M	149.54M	149.44M	149.88M
Shares Outstanding (Diluted)	149.95M	150.97M	149.54M	149.44M	150.00M
Dividend Growth	—	+33.3%	—	—	—
Free Cash Flow	0.26B	0.33B	0.33B	-0.06B	-0.55B
Free Cash Flow Margin	+4.9%	+6.3%	+6.8%	-1.3%	-11.6%
Free Cash Flow Per Share	1.72	2.17	2.19	-0.41	-3.65
Payout Ratio	—	—	—	+48.6%	—
Supplemental
Total Interest Dividend Income	-27.57M	-11.70M	-46.72M	-11.96M	-41.57M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	5.29B	5.22B	4.83B	4.72B	4.72B
Operating Expenses	4.96B	4.98B	4.61B	4.22B	4.42B
Pretax Income	322.48M	220.38M	211.90M	499.99M	294.36M
Income Tax	33.88M	19.63M	38.64M	32.57M	32.67M
Net Income	288.08M	200.75M	173.26M	467.42M	261.69M
Premium Revenue	5.12B	5.00B	4.68B	4.56B	4.55B
Policy Benefits	4.74B	4.75B	4.34B	4.11B	4.26B
Policy Cost	—	2.04B	—	—	—
EPS (Basic)	1.93	1.34	1.16	3.13	1.75
EPS (Diluted)	1.92	1.32	1.16	3.13	1.74
Margins & Efficiency
Net Margin %	+5.4%	+3.8%	+3.6%	+9.9%	+5.5%
Revenue & Income
Revenue Growth (YoY)	+12.2%	+21.2%	+13.3%	+15.9%	+16.1%
Revenue Insurance	5.29B	5.22B	4.83B	4.72B	4.72B
Premiums Annuity Rev	5.12B	5.00B	4.68B	4.56B	4.55B
Interest & Investment Income	—	—	—	—	—
Other Revenue Insurance	152.14M	162.37M	126.58M	133.25M	154.04M
Earnings From Equity Investments	—	—	—	—	—
Gain (Loss) on Sale of Assets	—	—	—	—	—
Gain Investment Rev Insurance	41.13M	61.09M	63.65M	39.50M	40.45M
Non Insurance Rev	10.53M	4.58M	1.63M	1.21M	17.81M
Expenses & Provisions
SG&A Insurance	18.42M	24.14M	26.06M	19.08M	26.92M
Other Opex Insurance	0.21B	-1.75B	0.22B	0.18B	0.13B
Total Opex Insurance	4.96B	4.98B	4.61B	4.22B	4.42B
Interest Expense	-12.92M	-20.55M	—	—	-1.96M
Policy Benefits	4.74B	4.75B	4.34B	4.11B	4.26B
Policy Cost	—	2.04B	—	—	—
Provision for Bad Debts	-4.58M	-80.43M	28.21M	-82.23M	3.69M
D&A For EBITDA	40.42M	17.06M	43.91M	42.14M	50.83M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	335.40M	240.93M	211.90M	499.99M	296.31M
EBIT Margin	+6.3%	+4.6%	+4.4%	+10.6%	+6.3%
EBITDA	375.81M	257.99M	255.81M	542.13M	347.15M
EBITDA Margin	+7.1%	+4.9%	+5.3%	+11.5%	+7.4%
EBT Excluding Unusual Items	322.48M	220.38M	211.90M	499.99M	294.36M
Pretax Income	322.48M	220.38M	211.90M	499.99M	294.36M
Opinc Insurance	335.40M	240.93M	211.90M	499.99M	296.31M
Operating Margin	+6.3%	+4.6%	+4.4%	+10.6%	+6.3%
Profit Margin	+5.4%	+3.8%	+3.6%	+9.9%	+5.5%
Net Income	288.08M	200.75M	173.26M	467.42M	261.69M
Net Income to Common	288.08M	200.75M	173.26M	467.42M	261.69M
Net Income Growth	+10.1%	+19.5%	-12.3%	+1.7%	+33.0%
Earnings From Continuing Ops.	288.60M	200.75M	173.26M	467.42M	261.69M
Minority Interest in Earnings	-519.00K	—	—	—	—
Income Tax Expense	33.88M	19.63M	38.64M	32.57M	32.67M
Effective Tax Rate	+10.5%	+8.9%	+18.2%	+6.5%	+11.1%
Per Share & Capital
EPS (Basic)	1.93	1.34	1.16	3.13	1.75
EPS (Diluted)	1.92	1.32	1.16	3.13	1.74
EPS Growth	+10.3%	+18.8%	-12.1%	+2.0%	+32.7%
Dividend Per Share	—	2.00	—	—	—
Shares Change (YoY)	-0	0.01	-0	-0	0
Shares Outstanding (Basic)	149.54M	149.54M	149.54M	149.44M	149.88M
Shares Outstanding (Diluted)	149.95M	150.97M	149.54M	149.44M	150.00M
Dividend Growth	—	+33.3%	—	—	—
Free Cash Flow	0.26B	0.33B	0.33B	-0.06B	-0.55B
Free Cash Flow Margin	+4.9%	+6.3%	+6.8%	-1.3%	-11.6%
Free Cash Flow Per Share	1.72	2.17	2.19	-0.41	-3.65
Payout Ratio	—	—	—	+48.6%	—
Supplemental
Total Interest Dividend Income	-27.57M	-11.70M	-46.72M	-11.96M	-41.57M