WALAA

Walaa Cooperative Insurance Co.

8060StocksTadawulInsurance

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	-545.90M	65.58M	423.39M	59.37M	-100.57M
Free Cash Flow	-558.83M	59.33M	416.63M	54.56M	-127.05M
Capital Expenditures	-12.94M	-6.25M	-6.76M	-4.81M	-26.48M
Investing & Financing
Investing Cash Flow	-1.15M	-24.80M	-441.03M	139.48M	-258.34M
Financing Cash Flow	-8.15M	409.08M	-4.15M	10.32M	-3.33M
Operating Activities
Operating Cash Flow	-545.90M	65.58M	423.39M	59.37M	-100.57M
Net Income	-175.82M	64.30M	147.98M	-68.08M	-122.05M
Change Accounts Receivable Insurance	—	—	8.79M	-8.79M	-269.02M
Change in Unearned Revenue	—	—	—	—	277.97M
Change in Working Capital	-371.94M	128.32M	411.69M	186.21M	41.17M
Change Insurance Reserves Liabilities	868.29M	119.14M	434.00M	189.30M	339.00M
Change Other Net Oper Assets Insurance	-59.97M	-42.70M	-39.36M	33.18M	29.96M
Other Operating Activities Insurance	-79.62M	-91.39M	-70.91M	-76.02M	-29.82M
Depreciation & Amortization	27.75M	19.39M	24.42M	9.62M	10.58M
Other Amortization	—	13.87M	—	—	—
Reinsurance Recoverable CF	-1.18B	0.05B	0.01B	-0.02B	-0.43B
Investing Activities
Investing Cash Flow	-1.15M	-24.80M	-441.03M	139.48M	-258.34M
Capex Insurance	-12.94M	-6.25M	-6.76M	-4.81M	-26.48M
Cash Acquisitions	-36.88M	—	—	45.37M	—
Investment in Securities	-64.70M	-47.70M	-124.21M	9.95M	-207.66M
Other Investing Activities	116.69M	42.89M	-293.31M	91.45M	-20.12M
Sale Of Intangibles Insurance	-3.32M	-15.05M	-16.79M	-2.49M	-4.08M
Sale of Property, Plant & Equipment	—	36.78M	0.03M	—	—
Gain Assets CF Insurance	-0.16M	-20.38M	—	—	—
Loss (Gain) on Sale of Investments	53.90M	-48.54M	-89.78M	6.84M	-17.64M
Financing Activities
Financing Cash Flow	-8.15M	409.08M	-4.15M	10.32M	-3.33M
Common Issued Insurance	—	460.16M	—	—	—
Long-Term Debt Repaid	-8.15M	-8.58M	-4.15M	-3.26M	-3.33M
Net Debt Issued Insurance	-8.15M	-8.58M	-4.15M	-3.26M	-3.33M
Other Financing Activities Insurance	—	-42.50M	—	13.58M	—
Total Debt Repaid Insurance	-8.15M	-8.58M	-4.15M	-3.26M	-3.33M
Free Cash Flow & Returns
Free Cash Flow	-558.83M	59.33M	416.63M	54.56M	-127.05M
Free Cash Flow Growth	—	-85.8%	+663.6%	—	—
Free Cash Flow Margin	-38.8%	+3.1%	+24.1%	+3.5%	-10.9%
Free Cash Flow Per Share	-4.38	0.58	4.90	0.79	-1.97
Levered Free Cash Flow	-0.69B	0.13B	-0.10B	-1.78B	-0.00B
Unlevered Free Cash Flow	-0.69B	0.13B	-0.10B	-1.78B	-0.00B
Operating Cash Flow Growth	—	-84.5%	+613.2%	—	—
Net Cash Flow	-555.20M	449.86M	-21.80M	209.16M	-362.24M

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	-545.90M	65.58M	423.39M	59.37M	-100.57M
Free Cash Flow	-558.83M	59.33M	416.63M	54.56M	-127.05M
Capital Expenditures	-12.94M	-6.25M	-6.76M	-4.81M	-26.48M
Investing & Financing
Investing Cash Flow	-1.15M	-24.80M	-441.03M	139.48M	-258.34M
Financing Cash Flow	-8.15M	409.08M	-4.15M	10.32M	-3.33M
Operating Activities
Operating Cash Flow	-545.90M	65.58M	423.39M	59.37M	-100.57M
Net Income	-175.82M	64.30M	147.98M	-68.08M	-122.05M
Change Accounts Receivable Insurance	—	—	8.79M	-8.79M	-269.02M
Change in Unearned Revenue	—	—	—	—	277.97M
Change in Working Capital	-371.94M	128.32M	411.69M	186.21M	41.17M
Change Insurance Reserves Liabilities	868.29M	119.14M	434.00M	189.30M	339.00M
Change Other Net Oper Assets Insurance	-59.97M	-42.70M	-39.36M	33.18M	29.96M
Other Operating Activities Insurance	-79.62M	-91.39M	-70.91M	-76.02M	-29.82M
Depreciation & Amortization	27.75M	19.39M	24.42M	9.62M	10.58M
Other Amortization	—	13.87M	—	—	—
Reinsurance Recoverable CF	-1.18B	0.05B	0.01B	-0.02B	-0.43B
Investing Activities
Investing Cash Flow	-1.15M	-24.80M	-441.03M	139.48M	-258.34M
Capex Insurance	-12.94M	-6.25M	-6.76M	-4.81M	-26.48M
Cash Acquisitions	-36.88M	—	—	45.37M	—
Investment in Securities	-64.70M	-47.70M	-124.21M	9.95M	-207.66M
Other Investing Activities	116.69M	42.89M	-293.31M	91.45M	-20.12M
Sale Of Intangibles Insurance	-3.32M	-15.05M	-16.79M	-2.49M	-4.08M
Sale of Property, Plant & Equipment	—	36.78M	0.03M	—	—
Gain Assets CF Insurance	-0.16M	-20.38M	—	—	—
Loss (Gain) on Sale of Investments	53.90M	-48.54M	-89.78M	6.84M	-17.64M
Financing Activities
Financing Cash Flow	-8.15M	409.08M	-4.15M	10.32M	-3.33M
Common Issued Insurance	—	460.16M	—	—	—
Long-Term Debt Repaid	-8.15M	-8.58M	-4.15M	-3.26M	-3.33M
Net Debt Issued Insurance	-8.15M	-8.58M	-4.15M	-3.26M	-3.33M
Other Financing Activities Insurance	—	-42.50M	—	13.58M	—
Total Debt Repaid Insurance	-8.15M	-8.58M	-4.15M	-3.26M	-3.33M
Free Cash Flow & Returns
Free Cash Flow	-558.83M	59.33M	416.63M	54.56M	-127.05M
Free Cash Flow Growth	—	-85.8%	+663.6%	—	—
Free Cash Flow Margin	-38.8%	+3.1%	+24.1%	+3.5%	-10.9%
Free Cash Flow Per Share	-4.38	0.58	4.90	0.79	-1.97
Levered Free Cash Flow	-0.69B	0.13B	-0.10B	-1.78B	-0.00B
Unlevered Free Cash Flow	-0.69B	0.13B	-0.10B	-1.78B	-0.00B
Operating Cash Flow Growth	—	-84.5%	+613.2%	—	—
Net Cash Flow	-555.20M	449.86M	-21.80M	209.16M	-362.24M