GULF UNION ALAHLIA

Gulf Union Alahlia Cooperative Insurance Co.

8120StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operations
Operating Cash Flow	64.86M	138.84M	-71.57M	-158.35M	17.50M
Free Cash Flow	62.85M	135.47M	-72.46M	-159.33M	15.22M
Capital Expenditures	-2.00M	-3.37M	-0.90M	-0.99M	-2.28M
Investing & Financing
Investing Cash Flow	-62.52M	-181.72M	-167.61M	94.90M	97.45M
Financing Cash Flow	-3.48M	-2.33M	224.52M	-1.08M	-2.30M
Operating Activities
Operating Cash Flow	64.86M	138.84M	-71.57M	-158.35M	17.50M
Net Income	43.65M	125.04M	-18.30M	-141.19M	-45.58M
Change Accounts Payable Insurance	—	—	—	45.24M	6.34M
Change Accounts Receivable Insurance	—	—	—	46.58M	14.25M
Change in Unearned Revenue	—	—	—	-118.08M	8.16M
Change in Working Capital	42.23M	31.25M	-58.90M	-13.94M	60.77M
Change Insurance Reserves Liabilities	62.46M	-1.40M	-111.53M	11.97M	29.73M
Change Other Net Oper Assets Insurance	-8.90M	8.29M	20.82M	-16.34M	-9.29M
Other Operating Activities Insurance	-40.36M	-22.08M	-18.44M	-19.03M	-9.86M
Depreciation & Amortization	11.11M	11.00M	10.37M	10.33M	2.51M
Other Amortization	7.17M	5.77M	3.72M	3.00M	1.91M
Cash Interest Paid	432.74K	532.08K	267.98K	52.40K	56.39K
Reinsurance Recoverable CF	-11.33M	24.36M	31.81M	5.35M	6.45M
Investing Activities
Investing Cash Flow	-62.52M	-181.72M	-167.61M	94.90M	97.45M
Capex Insurance	-2.00M	-3.37M	-0.90M	-0.99M	-2.28M
Cash Acquisitions	—	—	—	—	147.36M
Investment in Securities	-59.05M	-178.78M	-133.01M	81.20M	-57.55M
Other Investing Activities	11.39M	8.30M	-22.74M	18.45M	13.79M
Sale Of Intangibles Insurance	-12.86M	-7.86M	-10.96M	-3.77M	-3.87M
Loss (Gain) on Sale of Investments	1.06M	-12.13M	9.99M	-0.14M	-1.21M
Financing Activities
Financing Cash Flow	-3.48M	-2.33M	224.52M	-1.08M	-2.30M
Common Issued Insurance	—	—	226.54M	—	—
Long-Term Debt Repaid	-3.05M	-1.80M	-1.76M	-1.02M	-2.24M
Net Debt Issued Insurance	-3.05M	-1.80M	-1.76M	-1.02M	-2.24M
Other Financing Activities Insurance	-432.74K	-532.08K	-267.98K	-52.40K	-56.39K
Total Debt Repaid Insurance	-3.05M	-1.80M	-1.76M	-1.02M	-2.24M
Free Cash Flow & Returns
Free Cash Flow	62.85M	135.47M	-72.46M	-159.33M	15.22M
Free Cash Flow Growth	-53.6%	—	—	—	-28.5%
Free Cash Flow Margin	+8.0%	+20.6%	-14.1%	-26.2%	+3.1%
Free Cash Flow Per Share	1.37	2.95	-1.88	-6.94	0.98
Levered Free Cash Flow	-43.85M	-129.05M	-726.74M	22.34M	149.64M
Unlevered Free Cash Flow	-43.58M	-128.72M	-726.58M	22.73M	150.06M
Operating Cash Flow Growth	-53.3%	—	—	—	-24.0%
Net Cash Flow	-1.14M	-45.20M	-14.66M	-64.53M	112.65M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operations
Operating Cash Flow	64.86M	138.84M	-71.57M	-158.35M	17.50M
Free Cash Flow	62.85M	135.47M	-72.46M	-159.33M	15.22M
Capital Expenditures	-2.00M	-3.37M	-0.90M	-0.99M	-2.28M
Investing & Financing
Investing Cash Flow	-62.52M	-181.72M	-167.61M	94.90M	97.45M
Financing Cash Flow	-3.48M	-2.33M	224.52M	-1.08M	-2.30M
Operating Activities
Operating Cash Flow	64.86M	138.84M	-71.57M	-158.35M	17.50M
Net Income	43.65M	125.04M	-18.30M	-141.19M	-45.58M
Change Accounts Payable Insurance	—	—	—	45.24M	6.34M
Change Accounts Receivable Insurance	—	—	—	46.58M	14.25M
Change in Unearned Revenue	—	—	—	-118.08M	8.16M
Change in Working Capital	42.23M	31.25M	-58.90M	-13.94M	60.77M
Change Insurance Reserves Liabilities	62.46M	-1.40M	-111.53M	11.97M	29.73M
Change Other Net Oper Assets Insurance	-8.90M	8.29M	20.82M	-16.34M	-9.29M
Other Operating Activities Insurance	-40.36M	-22.08M	-18.44M	-19.03M	-9.86M
Depreciation & Amortization	11.11M	11.00M	10.37M	10.33M	2.51M
Other Amortization	7.17M	5.77M	3.72M	3.00M	1.91M
Cash Interest Paid	432.74K	532.08K	267.98K	52.40K	56.39K
Reinsurance Recoverable CF	-11.33M	24.36M	31.81M	5.35M	6.45M
Investing Activities
Investing Cash Flow	-62.52M	-181.72M	-167.61M	94.90M	97.45M
Capex Insurance	-2.00M	-3.37M	-0.90M	-0.99M	-2.28M
Cash Acquisitions	—	—	—	—	147.36M
Investment in Securities	-59.05M	-178.78M	-133.01M	81.20M	-57.55M
Other Investing Activities	11.39M	8.30M	-22.74M	18.45M	13.79M
Sale Of Intangibles Insurance	-12.86M	-7.86M	-10.96M	-3.77M	-3.87M
Loss (Gain) on Sale of Investments	1.06M	-12.13M	9.99M	-0.14M	-1.21M
Financing Activities
Financing Cash Flow	-3.48M	-2.33M	224.52M	-1.08M	-2.30M
Common Issued Insurance	—	—	226.54M	—	—
Long-Term Debt Repaid	-3.05M	-1.80M	-1.76M	-1.02M	-2.24M
Net Debt Issued Insurance	-3.05M	-1.80M	-1.76M	-1.02M	-2.24M
Other Financing Activities Insurance	-432.74K	-532.08K	-267.98K	-52.40K	-56.39K
Total Debt Repaid Insurance	-3.05M	-1.80M	-1.76M	-1.02M	-2.24M
Free Cash Flow & Returns
Free Cash Flow	62.85M	135.47M	-72.46M	-159.33M	15.22M
Free Cash Flow Growth	-53.6%	—	—	—	-28.5%
Free Cash Flow Margin	+8.0%	+20.6%	-14.1%	-26.2%	+3.1%
Free Cash Flow Per Share	1.37	2.95	-1.88	-6.94	0.98
Levered Free Cash Flow	-43.85M	-129.05M	-726.74M	22.34M	149.64M
Unlevered Free Cash Flow	-43.58M	-128.72M	-726.58M	22.73M	150.06M
Operating Cash Flow Growth	-53.3%	—	—	—	-24.0%
Net Cash Flow	-1.14M	-45.20M	-14.66M	-64.53M	112.65M