GULF UNION ALAHLIA

Gulf Union Alahlia Cooperative Insurance Co.

8120StocksTadawulInsuranceMarket closed

SAR 14.52

Official close

-0.1%

Price as of August 6, 2026 · Market close

Prices may be delayed by up to 30 minutes.

Financials

GULF UNION ALAHLIA

Gulf Union Alahlia Cooperative Insurance Co.

8120StocksTadawulInsuranceMarket closed

SAR 14.52

Official close

-0.1%

Price as of August 6, 2026 · Market close

Prices may be delayed by up to 30 minutes.

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
Operating Summary
Revenue	933.79M	740.90M	657.38M	514.97M	609.08M
Operating Expenses	1.01B	0.69B	0.53B	0.53B	0.75B
Pretax Income	-72.83M	51.55M	127.04M	-16.30M	-139.19M
Income Tax	10.80M	7.91M	2.00M	2.00M	2.00M
Net Income	-83.63M	43.65M	125.04M	-18.30M	-141.19M
Premium Revenue	898.28M	700.53M	579.49M	484.43M	559.52M
Policy Benefits	808.18M	550.96M	370.47M	388.22M	571.08M
Policy Cost	200.83M	152.48M	130.99M	107.84M	58.47M
EPS (Basic)	-1.82	0.95	2.72	-0.47	-6.15
EPS (Diluted)	-1.82	0.95	2.72	-0.47	-6.15
Margins & Efficiency
Net Margin %	-9.0%	+5.9%	+19.0%	-3.6%	-23.2%
Revenue & Income
Revenue Growth (YoY)	+26.0%	+12.7%	+27.7%	-15.5%	+24.1%
Revenue Insurance	933.79M	740.90M	657.38M	514.97M	609.08M
Premiums Annuity Rev	898.28M	700.53M	579.49M	484.43M	559.52M
Other Revenue Insurance	1.76M	8.29M	35.73M	14.96M	31.80M
Gain Investment Rev Insurance	4.13M	-1.06M	12.13M	-9.99M	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	113.59M
Other Opex Insurance	-2.84M	-14.52M	28.35M	34.94M	1.87M
Total Opex Insurance	1.01B	0.69B	0.53B	0.53B	0.75B
Interest Expense	-441.32K	-432.74K	-532.08K	-267.98K	-624.89K
Policy Benefits	808.18M	550.96M	370.47M	388.22M	571.08M
Policy Cost	200.83M	152.48M	130.99M	107.84M	58.47M
Provision for Bad Debts	—	—	—	—	2.63M
Merger & Restructuring Charges	—	—	—	—	—
D&A For EBITDA	7.24M	7.88M	7.67M	7.34M	8.49M
Deferred Policy Acquisition Cost	—	—	—	—	17.23M
Profitability & Returns
EBIT	-72.39M	51.98M	127.57M	-16.03M	-138.56M
EBIT Margin	-7.8%	+7.0%	+19.4%	-3.1%	-22.8%
EBITDA	-65.14M	59.87M	135.24M	-8.69M	-130.08M
EBITDA Margin	-7.0%	+8.1%	+20.6%	-1.7%	-21.4%
EBT Excluding Unusual Items	-72.83M	51.55M	127.04M	-16.30M	-139.19M
Pretax Income	-72.83M	51.55M	127.04M	-16.30M	-139.19M
Opinc Insurance	-72.39M	51.98M	127.57M	-16.03M	-138.56M
Operating Margin	-7.8%	+7.0%	+19.4%	-3.1%	-22.8%
Profit Margin	-9.0%	+5.9%	+19.0%	-3.6%	-23.2%
Net Income	-83.63M	43.65M	125.04M	-18.30M	-141.19M
Net Income to Common	-83.63M	43.65M	125.04M	-18.30M	-141.19M
Net Income Growth	—	-65.1%	—	—	—
Income Tax Expense	10.80M	7.91M	2.00M	2.00M	2.00M
Effective Tax Rate	—	+15.3%	+1.6%	—	—
Per Share & Capital
EPS (Basic)	-1.82	0.95	2.72	-0.47	-6.15
EPS (Diluted)	-1.82	0.95	2.72	-0.47	-6.15
EPS Growth	—	-65.1%	—	—	—
Shares Change (YoY)	—	—	0.19	0.68	0.47
Shares Outstanding (Basic)	45.89M	45.89M	45.89M	38.54M	22.95M
Shares Outstanding (Diluted)	45.89M	45.89M	45.89M	38.54M	22.95M
Free Cash Flow	-89.61M	62.85M	135.47M	-72.46M	-159.33M
Free Cash Flow Margin	-9.6%	+8.5%	+20.6%	-14.1%	-26.2%
Free Cash Flow Per Share	-1.95	1.37	2.95	-1.88	-6.94
Supplemental
Total Interest Dividend Income	29.62M	33.14M	30.03M	25.57M	17.76M

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
Operating Summary
Revenue	933.79M	740.90M	657.38M	514.97M	609.08M
Operating Expenses	1.01B	0.69B	0.53B	0.53B	0.75B
Pretax Income	-72.83M	51.55M	127.04M	-16.30M	-139.19M
Income Tax	10.80M	7.91M	2.00M	2.00M	2.00M
Net Income	-83.63M	43.65M	125.04M	-18.30M	-141.19M
Premium Revenue	898.28M	700.53M	579.49M	484.43M	559.52M
Policy Benefits	808.18M	550.96M	370.47M	388.22M	571.08M
Policy Cost	200.83M	152.48M	130.99M	107.84M	58.47M
EPS (Basic)	-1.82	0.95	2.72	-0.47	-6.15
EPS (Diluted)	-1.82	0.95	2.72	-0.47	-6.15
Margins & Efficiency
Net Margin %	-9.0%	+5.9%	+19.0%	-3.6%	-23.2%
Revenue & Income
Revenue Growth (YoY)	+26.0%	+12.7%	+27.7%	-15.5%	+24.1%
Revenue Insurance	933.79M	740.90M	657.38M	514.97M	609.08M
Premiums Annuity Rev	898.28M	700.53M	579.49M	484.43M	559.52M
Other Revenue Insurance	1.76M	8.29M	35.73M	14.96M	31.80M
Gain Investment Rev Insurance	4.13M	-1.06M	12.13M	-9.99M	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	113.59M
Other Opex Insurance	-2.84M	-14.52M	28.35M	34.94M	1.87M
Total Opex Insurance	1.01B	0.69B	0.53B	0.53B	0.75B
Interest Expense	-441.32K	-432.74K	-532.08K	-267.98K	-624.89K
Policy Benefits	808.18M	550.96M	370.47M	388.22M	571.08M
Policy Cost	200.83M	152.48M	130.99M	107.84M	58.47M
Provision for Bad Debts	—	—	—	—	2.63M
Merger & Restructuring Charges	—	—	—	—	—
D&A For EBITDA	7.24M	7.88M	7.67M	7.34M	8.49M
Deferred Policy Acquisition Cost	—	—	—	—	17.23M
Profitability & Returns
EBIT	-72.39M	51.98M	127.57M	-16.03M	-138.56M
EBIT Margin	-7.8%	+7.0%	+19.4%	-3.1%	-22.8%
EBITDA	-65.14M	59.87M	135.24M	-8.69M	-130.08M
EBITDA Margin	-7.0%	+8.1%	+20.6%	-1.7%	-21.4%
EBT Excluding Unusual Items	-72.83M	51.55M	127.04M	-16.30M	-139.19M
Pretax Income	-72.83M	51.55M	127.04M	-16.30M	-139.19M
Opinc Insurance	-72.39M	51.98M	127.57M	-16.03M	-138.56M
Operating Margin	-7.8%	+7.0%	+19.4%	-3.1%	-22.8%
Profit Margin	-9.0%	+5.9%	+19.0%	-3.6%	-23.2%
Net Income	-83.63M	43.65M	125.04M	-18.30M	-141.19M
Net Income to Common	-83.63M	43.65M	125.04M	-18.30M	-141.19M
Net Income Growth	—	-65.1%	—	—	—
Income Tax Expense	10.80M	7.91M	2.00M	2.00M	2.00M
Effective Tax Rate	—	+15.3%	+1.6%	—	—
Per Share & Capital
EPS (Basic)	-1.82	0.95	2.72	-0.47	-6.15
EPS (Diluted)	-1.82	0.95	2.72	-0.47	-6.15
EPS Growth	—	-65.1%	—	—	—
Shares Change (YoY)	—	—	0.19	0.68	0.47
Shares Outstanding (Basic)	45.89M	45.89M	45.89M	38.54M	22.95M
Shares Outstanding (Diluted)	45.89M	45.89M	45.89M	38.54M	22.95M
Free Cash Flow	-89.61M	62.85M	135.47M	-72.46M	-159.33M
Free Cash Flow Margin	-9.6%	+8.5%	+20.6%	-14.1%	-26.2%
Free Cash Flow Per Share	-1.95	1.37	2.95	-1.88	-6.94
Supplemental
Total Interest Dividend Income	29.62M	33.14M	30.03M	25.57M	17.76M