SAICO

Saudi Arabian Cooperative Insurance Co.

8100StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	255.37M	194.60M	196.27M	179.76M	170.79M
Operating Expenses	241.54M	207.18M	187.97M	165.48M	156.43M
Pretax Income	14.65M	-11.51M	9.15M	14.98M	15.81M
Income Tax	1.56M	1.56M	1.56M	1.56M	1.56M
Net Income	13.09M	-13.07M	7.59M	13.41M	14.25M
Premium Revenue	248.78M	192.74M	188.61M	176.19M	167.36M
Policy Benefits	239.57M	205.34M	185.64M	163.24M	153.98M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.44	-0.44	0.25	0.45	0.47
EPS (Diluted)	0.44	-0.44	0.25	0.45	0.47
Margins & Efficiency
Net Margin %	+5.1%	-6.7%	+3.9%	+7.5%	+8.3%
Revenue & Income
Revenue Growth (YoY)	+49.5%	+4.6%	+5.9%	+12.1%	-1.0%
Revenue Insurance	255.37M	194.60M	196.27M	179.76M	170.79M
Premiums Annuity Rev	248.78M	192.74M	188.61M	176.19M	167.36M
Other Revenue Insurance	—	—	—	—	0.34M
Gain Investment Rev Insurance	1.27M	-3.25M	1.89M	-2.11M	-0.99M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	1.97M	1.84M	2.33M	2.25M	2.45M
Total Opex Insurance	241.54M	207.18M	187.97M	165.48M	156.43M
Other Non Operating Income (Expenses)	0.82M	1.07M	0.85M	0.70M	1.46M
Policy Benefits	239.57M	205.34M	185.64M	163.24M	153.98M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	0.76M	1.98M	1.36M	1.14M	1.15M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	13.83M	-12.58M	8.30M	14.28M	14.36M
EBIT Margin	+5.4%	-6.5%	+4.2%	+7.9%	+8.4%
EBITDA	14.59M	-10.60M	9.66M	15.42M	15.50M
EBITDA Margin	+5.7%	-5.4%	+4.9%	+8.6%	+9.1%
Pretax Income	14.65M	-11.51M	9.15M	14.98M	15.81M
Opinc Insurance	13.83M	-12.58M	8.30M	14.28M	14.36M
Operating Margin	+5.4%	-6.5%	+4.2%	+7.9%	+8.4%
Profit Margin	+5.1%	-6.7%	+3.9%	+7.5%	+8.3%
Net Income	13.09M	-13.07M	7.59M	13.41M	14.25M
Net Income to Common	13.09M	-13.07M	7.59M	13.41M	14.25M
Net Income Growth	-8.1%	—	-37.3%	-38.6%	+344.1%
Income Tax Expense	1.56M	1.56M	1.56M	1.56M	1.56M
Effective Tax Rate	+10.7%	—	+17.1%	+10.4%	+9.9%
Per Share & Capital
EPS (Basic)	0.44	-0.44	0.25	0.45	0.47
EPS (Diluted)	0.44	-0.44	0.25	0.45	0.47
EPS Growth	-8.1%	—	-37.3%	-38.6%	+344.1%
Shares Outstanding (Basic)	30.00M	30.00M	30.00M	30.00M	30.00M
Shares Outstanding (Diluted)	30.00M	30.00M	30.00M	30.00M	30.00M
Free Cash Flow	155.47M	79.58M	-10.69M	-172.86M	113.92M
Free Cash Flow Margin	+60.9%	+40.9%	-5.4%	-96.2%	+66.7%
Free Cash Flow Per Share	5.18	2.65	-0.36	-5.76	3.80
Supplemental
Total Interest Dividend Income	5.32M	5.12M	5.77M	5.68M	4.08M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	255.37M	194.60M	196.27M	179.76M	170.79M
Operating Expenses	241.54M	207.18M	187.97M	165.48M	156.43M
Pretax Income	14.65M	-11.51M	9.15M	14.98M	15.81M
Income Tax	1.56M	1.56M	1.56M	1.56M	1.56M
Net Income	13.09M	-13.07M	7.59M	13.41M	14.25M
Premium Revenue	248.78M	192.74M	188.61M	176.19M	167.36M
Policy Benefits	239.57M	205.34M	185.64M	163.24M	153.98M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.44	-0.44	0.25	0.45	0.47
EPS (Diluted)	0.44	-0.44	0.25	0.45	0.47
Margins & Efficiency
Net Margin %	+5.1%	-6.7%	+3.9%	+7.5%	+8.3%
Revenue & Income
Revenue Growth (YoY)	+49.5%	+4.6%	+5.9%	+12.1%	-1.0%
Revenue Insurance	255.37M	194.60M	196.27M	179.76M	170.79M
Premiums Annuity Rev	248.78M	192.74M	188.61M	176.19M	167.36M
Other Revenue Insurance	—	—	—	—	0.34M
Gain Investment Rev Insurance	1.27M	-3.25M	1.89M	-2.11M	-0.99M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	1.97M	1.84M	2.33M	2.25M	2.45M
Total Opex Insurance	241.54M	207.18M	187.97M	165.48M	156.43M
Other Non Operating Income (Expenses)	0.82M	1.07M	0.85M	0.70M	1.46M
Policy Benefits	239.57M	205.34M	185.64M	163.24M	153.98M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	0.76M	1.98M	1.36M	1.14M	1.15M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	13.83M	-12.58M	8.30M	14.28M	14.36M
EBIT Margin	+5.4%	-6.5%	+4.2%	+7.9%	+8.4%
EBITDA	14.59M	-10.60M	9.66M	15.42M	15.50M
EBITDA Margin	+5.7%	-5.4%	+4.9%	+8.6%	+9.1%
Pretax Income	14.65M	-11.51M	9.15M	14.98M	15.81M
Opinc Insurance	13.83M	-12.58M	8.30M	14.28M	14.36M
Operating Margin	+5.4%	-6.5%	+4.2%	+7.9%	+8.4%
Profit Margin	+5.1%	-6.7%	+3.9%	+7.5%	+8.3%
Net Income	13.09M	-13.07M	7.59M	13.41M	14.25M
Net Income to Common	13.09M	-13.07M	7.59M	13.41M	14.25M
Net Income Growth	-8.1%	—	-37.3%	-38.6%	+344.1%
Income Tax Expense	1.56M	1.56M	1.56M	1.56M	1.56M
Effective Tax Rate	+10.7%	—	+17.1%	+10.4%	+9.9%
Per Share & Capital
EPS (Basic)	0.44	-0.44	0.25	0.45	0.47
EPS (Diluted)	0.44	-0.44	0.25	0.45	0.47
EPS Growth	-8.1%	—	-37.3%	-38.6%	+344.1%
Shares Outstanding (Basic)	30.00M	30.00M	30.00M	30.00M	30.00M
Shares Outstanding (Diluted)	30.00M	30.00M	30.00M	30.00M	30.00M
Free Cash Flow	155.47M	79.58M	-10.69M	-172.86M	113.92M
Free Cash Flow Margin	+60.9%	+40.9%	-5.4%	-96.2%	+66.7%
Free Cash Flow Per Share	5.18	2.65	-0.36	-5.76	3.80
Supplemental
Total Interest Dividend Income	5.32M	5.12M	5.77M	5.68M	4.08M