JAZIRA TAKAFUL

AlJazira Takaful Taawuni Co.

8012StocksTadawulInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	0.69B	0.74B	1.09B	1.12B	0.81B
Market Cap Growth	-21.2%	-32.1%	-3.2%	+38.8%	-26.6%
Enterprise Value	0.58B	0.68B	1.01B	1.00B	0.70B
Last Close Price	11.49	10.80	15.54	15.77	11.36
Valuation Multiples
PE Ratio	24.31	18.50	29.20	25.35	20.99
PS Ratio	2.00	2.22	3.51	4.19	3.24
PB Ratio	0.68	0.73	1.11	1.19	0.91
P/TBV Ratio	0.89	0.96	1.47	1.59	1.23
P/FCF Ratio	—	—	16.22	—	5.59
P/OCF Ratio	—	—	15.08	—	5.52
EV/Sales Ratio	1.67	2.05	3.25	3.74	2.79
EV/EBITDA Ratio	13.99	14.15	22.12	14.35	15.42
EV/EBIT Ratio	16.18	15.13	23.26	14.75	17.22
EV/FCF Ratio	—	—	15.06	—	4.82
Leverage & Capital
Debt / Equity Ratio	0.02	0.02	0.01	0.00	0.00
Debt / EBITDA Ratio	0.37	0.30	0.29	0.02	0.07
Debt / FCF Ratio	—	—	0.21	—	0.02
Net Debt / Equity Ratio	-0.11	-0.04	-0.16	-0.12	-0.28
Net Debt / EBITDA Ratio	-2.88	-0.76	-3.42	-1.66	-5.57
Net Debt / FCF Ratio	1.66	0.40	-2.33	10.82	-1.74
Efficiency & Liquidity
Asset Turnover	0.11	0.11	0.11	0.10	0.09
Quick Ratio	8.76	10.72	8.67	5.07	6.18
Current Ratio	14.38	19.04	13.52	6.52	7.54
Returns & Yields
Return on Equity (ROE)	+3.1%	+4.0%	+3.9%	+4.8%	+4.5%
Return on Assets (ROA)	+0.7%	+0.9%	+0.9%	+1.6%	+1.0%
Return on Invested Capital (ROIC)	+3.0%	+4.0%	+3.9%	+4.8%	+4.5%
Earnings Yield	+4.5%	+5.4%	+3.4%	+3.9%	+4.8%
FCF Yield	-9.9%	-12.4%	+6.2%	-1.0%	+17.9%
Dividend Yield	+3.5%	+3.7%	+1.9%	+1.9%	—
Payout Ratio	+63.5%	+49.7%	+53.2%	—	—
Buyback Yield / Dilution	—	—	—	—	-4.5%
Total Shareholder Return	+3.5%	+3.7%	+1.9%	+1.9%	-4.5%

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	0.69B	0.74B	1.09B	1.12B	0.81B
Market Cap Growth	-21.2%	-32.1%	-3.2%	+38.8%	-26.6%
Enterprise Value	0.58B	0.68B	1.01B	1.00B	0.70B
Last Close Price	11.49	10.80	15.54	15.77	11.36
Valuation Multiples
PE Ratio	24.31	18.50	29.20	25.35	20.99
PS Ratio	2.00	2.22	3.51	4.19	3.24
PB Ratio	0.68	0.73	1.11	1.19	0.91
P/TBV Ratio	0.89	0.96	1.47	1.59	1.23
P/FCF Ratio	—	—	16.22	—	5.59
P/OCF Ratio	—	—	15.08	—	5.52
EV/Sales Ratio	1.67	2.05	3.25	3.74	2.79
EV/EBITDA Ratio	13.99	14.15	22.12	14.35	15.42
EV/EBIT Ratio	16.18	15.13	23.26	14.75	17.22
EV/FCF Ratio	—	—	15.06	—	4.82
Leverage & Capital
Debt / Equity Ratio	0.02	0.02	0.01	0.00	0.00
Debt / EBITDA Ratio	0.37	0.30	0.29	0.02	0.07
Debt / FCF Ratio	—	—	0.21	—	0.02
Net Debt / Equity Ratio	-0.11	-0.04	-0.16	-0.12	-0.28
Net Debt / EBITDA Ratio	-2.88	-0.76	-3.42	-1.66	-5.57
Net Debt / FCF Ratio	1.66	0.40	-2.33	10.82	-1.74
Efficiency & Liquidity
Asset Turnover	0.11	0.11	0.11	0.10	0.09
Quick Ratio	8.76	10.72	8.67	5.07	6.18
Current Ratio	14.38	19.04	13.52	6.52	7.54
Returns & Yields
Return on Equity (ROE)	+3.1%	+4.0%	+3.9%	+4.8%	+4.5%
Return on Assets (ROA)	+0.7%	+0.9%	+0.9%	+1.6%	+1.0%
Return on Invested Capital (ROIC)	+3.0%	+4.0%	+3.9%	+4.8%	+4.5%
Earnings Yield	+4.5%	+5.4%	+3.4%	+3.9%	+4.8%
FCF Yield	-9.9%	-12.4%	+6.2%	-1.0%	+17.9%
Dividend Yield	+3.5%	+3.7%	+1.9%	+1.9%	—
Payout Ratio	+63.5%	+49.7%	+53.2%	—	—
Buyback Yield / Dilution	—	—	—	—	-4.5%
Total Shareholder Return	+3.5%	+3.7%	+1.9%	+1.9%	-4.5%