SAICO

Saudi Arabian Cooperative Insurance Co.

8100StocksTadawulInsurance

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	16.65M	184.32M	18.71M	18.15M	-37.66M
Free Cash Flow	9.95M	174.97M	-9.16M	-5.00M	-41.34M
Capital Expenditures	-6.69M	-9.35M	-27.87M	-23.15M	-3.68M
Investing & Financing
Investing Cash Flow	64.99M	-260.25M	112.52M	-27.10M	39.69M
Operating Activities
Operating Cash Flow	16.65M	184.32M	18.71M	18.15M	-37.66M
Net Income	22.18M	49.32M	71.10M	-61.65M	-62.63M
Change Accounts Payable Insurance	—	—	—	—	-420.34K
Change Accounts Receivable Insurance	-114.64M	318.86M	-406.88M	-1.15M	-24.88M
Change in Unearned Revenue	—	—	—	—	-12.92M
Change in Working Capital	-2.47M	131.62M	-60.86M	92.30M	18.60M
Change Insurance Reserves Liabilities	239.48M	-302.62M	882.72M	-14.63M	91.24M
Change Other Net Oper Assets Insurance	30.40M	-9.15M	-10.36M	-17.87M	18.86M
Other Operating Activities Insurance	-13.15M	-4.55M	5.21M	-1.31M	-3.58M
Depreciation & Amortization	5.63M	8.20M	3.59M	2.65M	3.14M
Cash Interest Paid	—	—	—	4.35M	—
Reinsurance Recoverable CF	-143.75M	48.89M	-542.31M	109.75M	-48.20M
Investing Activities
Investing Cash Flow	64.99M	-260.25M	112.52M	-27.10M	39.69M
Capex Insurance	-6.69M	-9.35M	-27.87M	-23.15M	-3.68M
Investment in Securities	78.64M	-247.43M	143.80M	-2.16M	46.84M
Sale Of Intangibles Insurance	-6.96M	-3.47M	-3.41M	-1.79M	-3.48M
Loss (Gain) on Sale of Investments	4.46M	-0.28M	-0.34M	-13.84M	-2.52M
Free Cash Flow & Returns
Free Cash Flow	9.95M	174.97M	-9.16M	-5.00M	-41.34M
Free Cash Flow Growth	-94.3%	—	—	—	—
Free Cash Flow Margin	+1.3%	+24.8%	-1.1%	-0.7%	-6.8%
Free Cash Flow Per Share	0.33	5.83	-0.31	-0.17	-1.38
Levered Free Cash Flow	-269.29M	462.68M	-918.08M	-672.87M	-14.57M
Unlevered Free Cash Flow	-269.29M	462.68M	-918.08M	-672.87M	-14.57M
Operating Cash Flow Growth	-91.0%	+885.2%	+3.1%	—	—
Net Cash Flow	81.63M	-75.93M	131.23M	-8.96M	2.03M

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	16.65M	184.32M	18.71M	18.15M	-37.66M
Free Cash Flow	9.95M	174.97M	-9.16M	-5.00M	-41.34M
Capital Expenditures	-6.69M	-9.35M	-27.87M	-23.15M	-3.68M
Investing & Financing
Investing Cash Flow	64.99M	-260.25M	112.52M	-27.10M	39.69M
Operating Activities
Operating Cash Flow	16.65M	184.32M	18.71M	18.15M	-37.66M
Net Income	22.18M	49.32M	71.10M	-61.65M	-62.63M
Change Accounts Payable Insurance	—	—	—	—	-420.34K
Change Accounts Receivable Insurance	-114.64M	318.86M	-406.88M	-1.15M	-24.88M
Change in Unearned Revenue	—	—	—	—	-12.92M
Change in Working Capital	-2.47M	131.62M	-60.86M	92.30M	18.60M
Change Insurance Reserves Liabilities	239.48M	-302.62M	882.72M	-14.63M	91.24M
Change Other Net Oper Assets Insurance	30.40M	-9.15M	-10.36M	-17.87M	18.86M
Other Operating Activities Insurance	-13.15M	-4.55M	5.21M	-1.31M	-3.58M
Depreciation & Amortization	5.63M	8.20M	3.59M	2.65M	3.14M
Cash Interest Paid	—	—	—	4.35M	—
Reinsurance Recoverable CF	-143.75M	48.89M	-542.31M	109.75M	-48.20M
Investing Activities
Investing Cash Flow	64.99M	-260.25M	112.52M	-27.10M	39.69M
Capex Insurance	-6.69M	-9.35M	-27.87M	-23.15M	-3.68M
Investment in Securities	78.64M	-247.43M	143.80M	-2.16M	46.84M
Sale Of Intangibles Insurance	-6.96M	-3.47M	-3.41M	-1.79M	-3.48M
Loss (Gain) on Sale of Investments	4.46M	-0.28M	-0.34M	-13.84M	-2.52M
Free Cash Flow & Returns
Free Cash Flow	9.95M	174.97M	-9.16M	-5.00M	-41.34M
Free Cash Flow Growth	-94.3%	—	—	—	—
Free Cash Flow Margin	+1.3%	+24.8%	-1.1%	-0.7%	-6.8%
Free Cash Flow Per Share	0.33	5.83	-0.31	-0.17	-1.38
Levered Free Cash Flow	-269.29M	462.68M	-918.08M	-672.87M	-14.57M
Unlevered Free Cash Flow	-269.29M	462.68M	-918.08M	-672.87M	-14.57M
Operating Cash Flow Growth	-91.0%	+885.2%	+3.1%	—	—
Net Cash Flow	81.63M	-75.93M	131.23M	-8.96M	2.03M