TAWUNIYA

Company for Cooperative Insurance

8010StocksTadawulInsurance

Financials

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	19.20B	17.52B	20.36B	23.66B	21.35B
Market Cap Growth	-9.1%	-20.8%	-7.9%	+13.3%	-9.4%
Enterprise Value	18.19B	16.55B	19.54B	22.23B	19.40B
Last Close Price	128.40	117.00	136.00	158.00	140.99
Valuation Multiples
Forward PE (Next 12M Est.)	15.57	14.46	16.54	19.94	18.78
PE Ratio	17.47	15.88	19.03	21.61	19.64
PS Ratio	0.99	0.90	1.10	1.31	1.23
PB Ratio	3.58	3.27	3.96	4.77	4.50
P/TBV Ratio	3.91	3.57	4.25	5.06	4.73
P/FCF Ratio	278.86	254.44	22.48	—	—
P/OCF Ratio	140.62	128.31	18.81	—	—
EV/Sales Ratio	0.93	0.85	1.05	1.24	1.12
EV/EBITDA Ratio	12.67	11.81	13.99	16.21	14.62
EV/EBIT Ratio	14.59	13.27	16.60	18.67	16.41
EV/FCF Ratio	264.25	240.38	21.57	—	—
Leverage & Capital
Debt / Equity Ratio	0.13	0.13	—	—	—
Debt / EBITDA Ratio	0.48	0.59	—	—	—
Debt / FCF Ratio	10.06	10.06	—	—	—
Net Debt / Equity Ratio	-0.19	-0.19	-0.19	-0.17	-0.30
Net Debt / EBITDA Ratio	-0.72	-0.72	-0.69	-0.60	-1.08
Net Debt / FCF Ratio	-14.62	-14.62	-1.07	-0.52	-0.78
Efficiency & Liquidity
Asset Turnover	0.97	0.91	0.92	0.92	0.82
Quick Ratio	3.55	3.55	4.20	5.42	3.56
Current Ratio	4.71	4.71	5.53	7.36	5.20
Returns & Yields
Return on Equity (ROE)	+15.3%	+13.7%	+38.5%	+22.7%	+15.3%
Return on Assets (ROA)	+2.8%	+2.5%	+6.1%	+3.6%	+2.0%
Return on Invested Capital (ROIC)	+3.7%	+3.4%	+9.6%	+5.6%	+3.2%
Earnings Yield	+5.7%	+6.3%	+5.3%	+4.6%	+5.1%
FCF Yield	+0.4%	+0.4%	+4.4%	+6.7%	+8.6%
Dividend Yield	+1.2%	—	—	—	—
Payout Ratio	+20.5%	—	—	+48.6%	—
Buyback Yield / Dilution	0.0%	-0.6%	+0.3%	+0.3%	0.0%
Total Shareholder Return	+1.2%	-0.6%	+0.3%	+0.3%	—

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	19.20B	17.52B	20.36B	23.66B	21.35B
Market Cap Growth	-9.1%	-20.8%	-7.9%	+13.3%	-9.4%
Enterprise Value	18.19B	16.55B	19.54B	22.23B	19.40B
Last Close Price	128.40	117.00	136.00	158.00	140.99
Valuation Multiples
Forward PE (Next 12M Est.)	15.57	14.46	16.54	19.94	18.78
PE Ratio	17.47	15.88	19.03	21.61	19.64
PS Ratio	0.99	0.90	1.10	1.31	1.23
PB Ratio	3.58	3.27	3.96	4.77	4.50
P/TBV Ratio	3.91	3.57	4.25	5.06	4.73
P/FCF Ratio	278.86	254.44	22.48	—	—
P/OCF Ratio	140.62	128.31	18.81	—	—
EV/Sales Ratio	0.93	0.85	1.05	1.24	1.12
EV/EBITDA Ratio	12.67	11.81	13.99	16.21	14.62
EV/EBIT Ratio	14.59	13.27	16.60	18.67	16.41
EV/FCF Ratio	264.25	240.38	21.57	—	—
Leverage & Capital
Debt / Equity Ratio	0.13	0.13	—	—	—
Debt / EBITDA Ratio	0.48	0.59	—	—	—
Debt / FCF Ratio	10.06	10.06	—	—	—
Net Debt / Equity Ratio	-0.19	-0.19	-0.19	-0.17	-0.30
Net Debt / EBITDA Ratio	-0.72	-0.72	-0.69	-0.60	-1.08
Net Debt / FCF Ratio	-14.62	-14.62	-1.07	-0.52	-0.78
Efficiency & Liquidity
Asset Turnover	0.97	0.91	0.92	0.92	0.82
Quick Ratio	3.55	3.55	4.20	5.42	3.56
Current Ratio	4.71	4.71	5.53	7.36	5.20
Returns & Yields
Return on Equity (ROE)	+15.3%	+13.7%	+38.5%	+22.7%	+15.3%
Return on Assets (ROA)	+2.8%	+2.5%	+6.1%	+3.6%	+2.0%
Return on Invested Capital (ROIC)	+3.7%	+3.4%	+9.6%	+5.6%	+3.2%
Earnings Yield	+5.7%	+6.3%	+5.3%	+4.6%	+5.1%
FCF Yield	+0.4%	+0.4%	+4.4%	+6.7%	+8.6%
Dividend Yield	+1.2%	—	—	—	—
Payout Ratio	+20.5%	—	—	+48.6%	—
Buyback Yield / Dilution	0.0%	-0.6%	+0.3%	+0.3%	0.0%
Total Shareholder Return	+1.2%	-0.6%	+0.3%	+0.3%	—