MEDGULF

Mediterranean & Gulf Cooperative Insurance & Reinsurance Co.

8030StocksTadawulInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	1.97B	1.60B	2.74B	1.51B	0.91B
Market Cap Growth	-17.8%	-41.6%	+80.9%	+67.1%	-49.8%
Enterprise Value	1.61B	0.80B	2.28B	1.11B	0.45B
Last Close Price	14.24	11.57	26.05	14.40	8.62
Valuation Multiples
Forward PE (Next 12M Est.)	—	12.70	12.70	12.70	12.70
PE Ratio	47.91	38.93	26.82	7.51	—
PEG Ratio	—	0.25	0.25	0.25	0.25
PS Ratio	0.45	0.37	0.76	0.44	0.32
PB Ratio	1.24	1.00	2.66	1.65	1.28
P/TBV Ratio	2.34	1.90	5.09	3.61	4.45
P/FCF Ratio	—	—	—	26.19	4.96
P/OCF Ratio	396.17	321.89	—	22.32	4.74
EV/Sales Ratio	0.37	0.18	0.63	0.32	0.16
EV/EBITDA Ratio	26.21	15.41	24.70	5.44	—
EV/EBIT Ratio	37.41	18.48	26.83	5.65	—
EV/FCF Ratio	-149.19	—	—	19.15	2.46
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.00	0.01	0.01
Debt / EBITDA Ratio	0.33	0.33	0.02	0.05	—
Debt / FCF Ratio	—	—	—	0.19	0.02
Net Debt / Equity Ratio	-0.22	-0.22	-0.38	-0.28	-0.46
Net Debt / EBITDA Ratio	-6.89	-6.89	-4.22	-1.28	0.81
Net Debt / FCF Ratio	32.94	32.94	6.71	-4.50	-1.78
Efficiency & Liquidity
Asset Turnover	1.30	1.30	1.21	1.11	0.79
Quick Ratio	1.73	1.73	1.11	4.87	8.72
Current Ratio	2.56	2.56	1.76	11.17	18.41
Returns & Yields
Return on Equity (ROE)	+3.1%	+3.1%	+10.5%	+24.8%	-46.1%
Return on Assets (ROA)	+0.8%	+0.8%	+1.8%	+4.0%	-7.1%
Return on Invested Capital (ROIC)	+3.0%	+3.1%	+8.3%	+23.9%	-46.8%
Earnings Yield	+2.1%	+2.6%	+3.7%	+13.3%	-43.8%
FCF Yield	-0.5%	-0.7%	-2.1%	+3.8%	+20.1%
Buyback Yield / Dilution	-31.6%	-31.6%	—	—	—

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	1.97B	1.60B	2.74B	1.51B	0.91B
Market Cap Growth	-17.8%	-41.6%	+80.9%	+67.1%	-49.8%
Enterprise Value	1.61B	0.80B	2.28B	1.11B	0.45B
Last Close Price	14.24	11.57	26.05	14.40	8.62
Valuation Multiples
Forward PE (Next 12M Est.)	—	12.70	12.70	12.70	12.70
PE Ratio	47.91	38.93	26.82	7.51	—
PEG Ratio	—	0.25	0.25	0.25	0.25
PS Ratio	0.45	0.37	0.76	0.44	0.32
PB Ratio	1.24	1.00	2.66	1.65	1.28
P/TBV Ratio	2.34	1.90	5.09	3.61	4.45
P/FCF Ratio	—	—	—	26.19	4.96
P/OCF Ratio	396.17	321.89	—	22.32	4.74
EV/Sales Ratio	0.37	0.18	0.63	0.32	0.16
EV/EBITDA Ratio	26.21	15.41	24.70	5.44	—
EV/EBIT Ratio	37.41	18.48	26.83	5.65	—
EV/FCF Ratio	-149.19	—	—	19.15	2.46
Leverage & Capital
Debt / Equity Ratio	0.01	0.01	0.00	0.01	0.01
Debt / EBITDA Ratio	0.33	0.33	0.02	0.05	—
Debt / FCF Ratio	—	—	—	0.19	0.02
Net Debt / Equity Ratio	-0.22	-0.22	-0.38	-0.28	-0.46
Net Debt / EBITDA Ratio	-6.89	-6.89	-4.22	-1.28	0.81
Net Debt / FCF Ratio	32.94	32.94	6.71	-4.50	-1.78
Efficiency & Liquidity
Asset Turnover	1.30	1.30	1.21	1.11	0.79
Quick Ratio	1.73	1.73	1.11	4.87	8.72
Current Ratio	2.56	2.56	1.76	11.17	18.41
Returns & Yields
Return on Equity (ROE)	+3.1%	+3.1%	+10.5%	+24.8%	-46.1%
Return on Assets (ROA)	+0.8%	+0.8%	+1.8%	+4.0%	-7.1%
Return on Invested Capital (ROIC)	+3.0%	+3.1%	+8.3%	+23.9%	-46.8%
Earnings Yield	+2.1%	+2.6%	+3.7%	+13.3%	-43.8%
FCF Yield	-0.5%	-0.7%	-2.1%	+3.8%	+20.1%
Buyback Yield / Dilution	-31.6%	-31.6%	—	—	—