AICC

Arabia Insurance Cooperative Co.

8160StocksTadawulInsurance

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	851.12M	571.47M	724.14M	475.12M	314.04M
Operating Expenses	885.30M	533.42M	665.38M	448.32M	313.51M
Pretax Income	-34.18M	41.13M	76.29M	11.76M	0.53M
Income Tax	11.00M	9.40M	10.00M	4.50M	6.05M
Net Income	-45.18M	30.15M	60.46M	6.20M	-5.52M
Premium Revenue	851.12M	539.73M	700.06M	449.09M	275.42M
Policy Benefits	885.30M	503.06M	623.54M	425.92M	216.86M
Policy Cost	—	—	—	—	32.84M
EPS (Basic)	-0.85	0.57	1.14	0.21	-0.21
EPS (Diluted)	-0.85	0.57	1.14	0.21	-0.21
Margins & Efficiency
Net Margin %	-5.3%	+5.3%	+8.3%	+1.3%	-1.8%
Revenue & Income
Revenue Growth (YoY)	+48.9%	-21.1%	+52.4%	+51.3%	+21.0%
Revenue Insurance	851.12M	571.47M	724.14M	475.12M	314.04M
Premiums Annuity Rev	851.12M	539.73M	700.06M	449.09M	275.42M
Other Revenue Insurance	—	—	—	—	32.35M
Gain Investment Rev Insurance	—	—	—	—	2.68M
Expenses & Provisions
SG&A Insurance	—	—	—	—	73.46M
Other Opex Insurance	—	30.61M	41.71M	22.29M	—
Total Opex Insurance	885.30M	533.42M	665.38M	448.32M	313.51M
Interest Expense	—	—	—	-21.90M	—
Other Non Operating Income (Expenses)	—	3.08M	17.53M	6.86M	—
Policy Benefits	885.30M	503.06M	623.54M	425.92M	216.86M
Policy Cost	—	—	—	—	32.84M
Provision for Bad Debts	—	-0.24M	0.13M	0.11M	-9.65M
D&A For EBITDA	5.16M	4.76M	3.86M	3.00M	2.62M
Deferred Policy Acquisition Cost	—	—	—	—	11.12M
Profitability & Returns
EBIT	-34.18M	38.05M	58.76M	26.80M	0.53M
EBIT Margin	-4.0%	+6.7%	+8.1%	+5.6%	+0.2%
EBITDA	-29.02M	42.81M	62.62M	29.81M	3.15M
EBITDA Margin	-3.4%	+7.5%	+8.6%	+6.3%	+1.0%
Pretax Income	-34.18M	41.13M	76.29M	11.76M	0.53M
Opinc Insurance	-34.18M	38.05M	58.76M	26.80M	0.53M
Operating Margin	-4.0%	+6.7%	+8.1%	+5.6%	+0.2%
Profit Margin	-5.3%	+5.3%	+8.4%	+1.3%	-1.8%
Net Income	-45.18M	31.73M	66.29M	7.26M	-5.52M
Net Income to Common	-45.18M	30.15M	60.46M	6.20M	-5.52M
Net Income Growth	—	-52.1%	+813.6%	—	—
Income Tax Expense	11.00M	9.40M	10.00M	4.50M	6.05M
Effective Tax Rate	—	+22.9%	+13.1%	+38.3%	+1,140.1%
Per Share & Capital
EPS (Basic)	-0.85	0.57	1.14	0.21	-0.21
EPS (Diluted)	-0.85	0.57	1.14	0.21	-0.21
EPS Growth	—	-50.1%	+438.7%	—	—
Shares Change (YoY)	0	—	0.81	0.1	—
Shares Outstanding (Basic)	53.15M	53.00M	53.00M	29.28M	26.50M
Shares Outstanding (Diluted)	53.15M	53.00M	53.00M	29.28M	26.50M
Free Cash Flow	122.13M	-25.25M	74.75M	126.60M	-33.15M
Free Cash Flow Margin	+14.3%	-4.4%	+10.3%	+26.6%	-10.6%
Free Cash Flow Per Share	2.30	-0.48	1.41	4.32	-1.25
Preferred Dividends & Other Adjustments	—	1.58M	5.83M	1.06M	—
Supplemental
Total Interest Dividend Income	—	31.75M	24.08M	26.03M	3.59M

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	851.12M	571.47M	724.14M	475.12M	314.04M
Operating Expenses	885.30M	533.42M	665.38M	448.32M	313.51M
Pretax Income	-34.18M	41.13M	76.29M	11.76M	0.53M
Income Tax	11.00M	9.40M	10.00M	4.50M	6.05M
Net Income	-45.18M	30.15M	60.46M	6.20M	-5.52M
Premium Revenue	851.12M	539.73M	700.06M	449.09M	275.42M
Policy Benefits	885.30M	503.06M	623.54M	425.92M	216.86M
Policy Cost	—	—	—	—	32.84M
EPS (Basic)	-0.85	0.57	1.14	0.21	-0.21
EPS (Diluted)	-0.85	0.57	1.14	0.21	-0.21
Margins & Efficiency
Net Margin %	-5.3%	+5.3%	+8.3%	+1.3%	-1.8%
Revenue & Income
Revenue Growth (YoY)	+48.9%	-21.1%	+52.4%	+51.3%	+21.0%
Revenue Insurance	851.12M	571.47M	724.14M	475.12M	314.04M
Premiums Annuity Rev	851.12M	539.73M	700.06M	449.09M	275.42M
Other Revenue Insurance	—	—	—	—	32.35M
Gain Investment Rev Insurance	—	—	—	—	2.68M
Expenses & Provisions
SG&A Insurance	—	—	—	—	73.46M
Other Opex Insurance	—	30.61M	41.71M	22.29M	—
Total Opex Insurance	885.30M	533.42M	665.38M	448.32M	313.51M
Interest Expense	—	—	—	-21.90M	—
Other Non Operating Income (Expenses)	—	3.08M	17.53M	6.86M	—
Policy Benefits	885.30M	503.06M	623.54M	425.92M	216.86M
Policy Cost	—	—	—	—	32.84M
Provision for Bad Debts	—	-0.24M	0.13M	0.11M	-9.65M
D&A For EBITDA	5.16M	4.76M	3.86M	3.00M	2.62M
Deferred Policy Acquisition Cost	—	—	—	—	11.12M
Profitability & Returns
EBIT	-34.18M	38.05M	58.76M	26.80M	0.53M
EBIT Margin	-4.0%	+6.7%	+8.1%	+5.6%	+0.2%
EBITDA	-29.02M	42.81M	62.62M	29.81M	3.15M
EBITDA Margin	-3.4%	+7.5%	+8.6%	+6.3%	+1.0%
Pretax Income	-34.18M	41.13M	76.29M	11.76M	0.53M
Opinc Insurance	-34.18M	38.05M	58.76M	26.80M	0.53M
Operating Margin	-4.0%	+6.7%	+8.1%	+5.6%	+0.2%
Profit Margin	-5.3%	+5.3%	+8.4%	+1.3%	-1.8%
Net Income	-45.18M	31.73M	66.29M	7.26M	-5.52M
Net Income to Common	-45.18M	30.15M	60.46M	6.20M	-5.52M
Net Income Growth	—	-52.1%	+813.6%	—	—
Income Tax Expense	11.00M	9.40M	10.00M	4.50M	6.05M
Effective Tax Rate	—	+22.9%	+13.1%	+38.3%	+1,140.1%
Per Share & Capital
EPS (Basic)	-0.85	0.57	1.14	0.21	-0.21
EPS (Diluted)	-0.85	0.57	1.14	0.21	-0.21
EPS Growth	—	-50.1%	+438.7%	—	—
Shares Change (YoY)	0	—	0.81	0.1	—
Shares Outstanding (Basic)	53.15M	53.00M	53.00M	29.28M	26.50M
Shares Outstanding (Diluted)	53.15M	53.00M	53.00M	29.28M	26.50M
Free Cash Flow	122.13M	-25.25M	74.75M	126.60M	-33.15M
Free Cash Flow Margin	+14.3%	-4.4%	+10.3%	+26.6%	-10.6%
Free Cash Flow Per Share	2.30	-0.48	1.41	4.32	-1.25
Preferred Dividends & Other Adjustments	—	1.58M	5.83M	1.06M	—
Supplemental
Total Interest Dividend Income	—	31.75M	24.08M	26.03M	3.59M