ACIG

Allied Cooperative Insurance Group

8150StocksTadawulInsurance

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	993.24M	832.57M	920.89M	594.37M	466.81M
Operating Expenses	1.03B	0.84B	0.85B	0.62B	0.57B
Pretax Income	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
Income Tax	-0.41M	7.10M	8.80M	-7.43M	10.58M
Net Income	-41.19M	-16.48M	63.41M	-17.34M	-114.58M
Premium Revenue	993.24M	788.83M	882.45M	580.13M	457.88M
Policy Benefits	1.03B	0.82B	0.84B	0.61B	0.41B
Policy Cost	—	—	—	—	75.52M
EPS (Basic)	-1.42	-0.57	2.18	-0.82	-8.13
EPS (Diluted)	-1.42	-0.57	2.18	-0.82	-8.13
Margins & Efficiency
Net Margin %	-4.1%	-2.0%	+6.9%	-2.9%	-24.5%
Revenue & Income
Revenue Growth (YoY)	+19.3%	-9.6%	+54.9%	+27.3%	+3.0%
Revenue Insurance	993.24M	832.57M	920.89M	594.37M	466.81M
Premiums Annuity Rev	993.24M	788.83M	882.45M	580.13M	457.88M
Other Revenue Insurance	—	—	—	—	6.92M
Gain Investment Rev Insurance	—	-491.00K	—	—	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	82.47M
Other Opex Insurance	—	26.11M	13.30M	6.29M	-0.12M
Total Opex Insurance	1.03B	0.84B	0.85B	0.62B	0.57B
Policy Benefits	1.03B	0.82B	0.84B	0.61B	0.41B
Policy Cost	—	—	—	—	75.52M
Provision for Bad Debts	—	0.22M	0.02M	-0.19M	1.78M
D&A For EBITDA	2.41M	2.04M	1.86M	1.56M	1.78M
Deferred Policy Acquisition Cost	—	—	—	—	44.05M
Profitability & Returns
EBIT	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
EBIT Margin	-4.2%	-1.1%	+7.8%	-4.2%	-22.3%
EBITDA	-39.19M	-7.35M	74.06M	-23.22M	-102.23M
EBITDA Margin	-3.9%	-0.9%	+8.0%	-3.9%	-21.9%
Pretax Income	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
Opinc Insurance	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
Operating Margin	-4.2%	-1.1%	+7.8%	-4.2%	-22.3%
Profit Margin	-4.1%	-2.0%	+6.9%	-2.9%	-24.5%
Net Income	-41.19M	-16.48M	63.41M	-17.34M	-114.58M
Net Income to Common	-41.19M	-16.48M	63.41M	-17.34M	-114.58M
Income Tax Expense	-0.41M	7.10M	8.80M	-7.43M	10.58M
Effective Tax Rate	—	—	+12.2%	—	—
Per Share & Capital
EPS (Basic)	-1.42	-0.57	2.18	-0.82	-8.13
EPS (Diluted)	-1.42	-0.57	2.18	-0.82	-8.13
Shares Change (YoY)	-0	—	0.37	0.5	—
Shares Outstanding (Basic)	29.01M	29.10M	29.10M	21.22M	14.10M
Shares Outstanding (Diluted)	29.01M	29.10M	29.10M	21.22M	14.10M
Free Cash Flow	99.71M	-58.53M	139.01M	110.67M	-24.92M
Free Cash Flow Margin	+10.0%	-7.0%	+15.1%	+18.6%	-5.3%
Free Cash Flow Per Share	3.44	-2.01	4.78	5.22	-1.77
Supplemental
Total Interest Dividend Income	—	44.23M	38.45M	14.24M	2.00M

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	993.24M	832.57M	920.89M	594.37M	466.81M
Operating Expenses	1.03B	0.84B	0.85B	0.62B	0.57B
Pretax Income	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
Income Tax	-0.41M	7.10M	8.80M	-7.43M	10.58M
Net Income	-41.19M	-16.48M	63.41M	-17.34M	-114.58M
Premium Revenue	993.24M	788.83M	882.45M	580.13M	457.88M
Policy Benefits	1.03B	0.82B	0.84B	0.61B	0.41B
Policy Cost	—	—	—	—	75.52M
EPS (Basic)	-1.42	-0.57	2.18	-0.82	-8.13
EPS (Diluted)	-1.42	-0.57	2.18	-0.82	-8.13
Margins & Efficiency
Net Margin %	-4.1%	-2.0%	+6.9%	-2.9%	-24.5%
Revenue & Income
Revenue Growth (YoY)	+19.3%	-9.6%	+54.9%	+27.3%	+3.0%
Revenue Insurance	993.24M	832.57M	920.89M	594.37M	466.81M
Premiums Annuity Rev	993.24M	788.83M	882.45M	580.13M	457.88M
Other Revenue Insurance	—	—	—	—	6.92M
Gain Investment Rev Insurance	—	-491.00K	—	—	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	82.47M
Other Opex Insurance	—	26.11M	13.30M	6.29M	-0.12M
Total Opex Insurance	1.03B	0.84B	0.85B	0.62B	0.57B
Policy Benefits	1.03B	0.82B	0.84B	0.61B	0.41B
Policy Cost	—	—	—	—	75.52M
Provision for Bad Debts	—	0.22M	0.02M	-0.19M	1.78M
D&A For EBITDA	2.41M	2.04M	1.86M	1.56M	1.78M
Deferred Policy Acquisition Cost	—	—	—	—	44.05M
Profitability & Returns
EBIT	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
EBIT Margin	-4.2%	-1.1%	+7.8%	-4.2%	-22.3%
EBITDA	-39.19M	-7.35M	74.06M	-23.22M	-102.23M
EBITDA Margin	-3.9%	-0.9%	+8.0%	-3.9%	-21.9%
Pretax Income	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
Opinc Insurance	-41.60M	-9.38M	72.21M	-24.78M	-104.01M
Operating Margin	-4.2%	-1.1%	+7.8%	-4.2%	-22.3%
Profit Margin	-4.1%	-2.0%	+6.9%	-2.9%	-24.5%
Net Income	-41.19M	-16.48M	63.41M	-17.34M	-114.58M
Net Income to Common	-41.19M	-16.48M	63.41M	-17.34M	-114.58M
Income Tax Expense	-0.41M	7.10M	8.80M	-7.43M	10.58M
Effective Tax Rate	—	—	+12.2%	—	—
Per Share & Capital
EPS (Basic)	-1.42	-0.57	2.18	-0.82	-8.13
EPS (Diluted)	-1.42	-0.57	2.18	-0.82	-8.13
Shares Change (YoY)	-0	—	0.37	0.5	—
Shares Outstanding (Basic)	29.01M	29.10M	29.10M	21.22M	14.10M
Shares Outstanding (Diluted)	29.01M	29.10M	29.10M	21.22M	14.10M
Free Cash Flow	99.71M	-58.53M	139.01M	110.67M	-24.92M
Free Cash Flow Margin	+10.0%	-7.0%	+15.1%	+18.6%	-5.3%
Free Cash Flow Per Share	3.44	-2.01	4.78	5.22	-1.77
Supplemental
Total Interest Dividend Income	—	44.23M	38.45M	14.24M	2.00M