ALSAGR INSURANCE

Al Sagr Cooperative Insurance Co.

8180StocksTadawulInsurance

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
Operations
Operating Cash Flow	-93.01M	27.60M	-3.03M	-72.32M	-124.57M
Free Cash Flow	-93.86M	24.43M	-3.16M	-74.11M	-126.56M
Capital Expenditures	-0.85M	-3.17M	-0.13M	-1.79M	-1.99M
Investing & Financing
Investing Cash Flow	2.76M	-73.05M	-63.25M	8.36M	72.36M
Financing Cash Flow	-1.27M	152.26M	-0.94M	-1.29M	-2.91M
Dividends Paid	-6.50K	-0.50K	-0.50K	—	-0.39K
Operating Activities
Operating Cash Flow	-93.01M	27.60M	-3.03M	-72.32M	-124.57M
Net Income	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Change Accounts Payable Insurance	—	—	—	—	-1.94M
Change Accounts Receivable Insurance	2.13M	-4.70M	0.58M	-0.58M	-34.00M
Change in Unearned Revenue	—	—	—	—	74.66M
Change in Working Capital	-15.80M	1.65M	-33.09M	-27.54M	-21.73M
Change Insurance Reserves Liabilities	-11.81M	-54.66M	-16.83M	-53.63M	-49.89M
Change Other Net Oper Assets Insurance	5.83M	7.89M	-12.41M	-2.44M	-9.98M
Other Operating Activities Insurance	-18.99M	-9.08M	-2.76M	0.38M	-12.12M
Depreciation & Amortization	6.87M	1.63M	2.70M	3.57M	3.08M
Other Amortization	—	1.82M	1.27M	1.83M	0.60M
Cash Interest Paid	—	13.45K	27.36K	62.28K	—
Reinsurance Recoverable CF	-7.47M	31.00M	-3.55M	30.57M	-12.33M
Investing Activities
Investing Cash Flow	2.76M	-73.05M	-63.25M	8.36M	72.36M
Capex Insurance	-0.85M	-3.17M	-0.13M	-1.79M	-1.99M
Investment in Securities	5.67M	-51.70M	-62.81M	-6.69M	78.81M
Other Investing Activities	—	-9.00M	—	19.00M	—
Sale Of Intangibles Insurance	-2.13M	-9.18M	-0.33M	-2.17M	-4.46M
Sale of Property, Plant & Equipment	55.00K	—	19.70K	4.85K	—
Gain Assets CF Insurance	-55.00K	—	-16.79K	3.17K	—
Loss (Gain) on Sale of Investments	5.28M	-0.28M	-13.44M	2.90M	-23.13M
Financing Activities
Financing Cash Flow	-1.27M	152.26M	-0.94M	-1.29M	-2.91M
Common Dividends Paid	-6.50K	-0.50K	-0.50K	—	-0.39K
Common Issued Insurance	—	152.91M	—	—	—
Long-Term Debt Repaid	-1.27M	-0.65M	-0.94M	-1.29M	-2.91M
Net Debt Issued Insurance	-1.27M	-0.65M	-0.94M	-1.29M	-2.91M
Total Debt Repaid Insurance	-1.27M	-0.65M	-0.94M	-1.29M	-2.91M
Free Cash Flow & Returns
Free Cash Flow	-93.86M	24.43M	-3.16M	-74.11M	-126.56M
Free Cash Flow Margin	-15.0%	+4.6%	-0.6%	-15.0%	-35.6%
Free Cash Flow Per Share	-3.12	0.97	-0.23	-5.29	-9.04
Levered Free Cash Flow	119.23M	57.12M	-40.52M	-443.66M	-23.27M
Unlevered Free Cash Flow	119.28M	57.12M	-40.51M	-443.62M	-23.19M
Net Cash Flow	-91.53M	106.81M	-67.22M	-65.25M	-55.12M

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
Operations
Operating Cash Flow	-93.01M	27.60M	-3.03M	-72.32M	-124.57M
Free Cash Flow	-93.86M	24.43M	-3.16M	-74.11M	-126.56M
Capital Expenditures	-0.85M	-3.17M	-0.13M	-1.79M	-1.99M
Investing & Financing
Investing Cash Flow	2.76M	-73.05M	-63.25M	8.36M	72.36M
Financing Cash Flow	-1.27M	152.26M	-0.94M	-1.29M	-2.91M
Dividends Paid	-6.50K	-0.50K	-0.50K	—	-0.39K
Operating Activities
Operating Cash Flow	-93.01M	27.60M	-3.03M	-72.32M	-124.57M
Net Income	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Change Accounts Payable Insurance	—	—	—	—	-1.94M
Change Accounts Receivable Insurance	2.13M	-4.70M	0.58M	-0.58M	-34.00M
Change in Unearned Revenue	—	—	—	—	74.66M
Change in Working Capital	-15.80M	1.65M	-33.09M	-27.54M	-21.73M
Change Insurance Reserves Liabilities	-11.81M	-54.66M	-16.83M	-53.63M	-49.89M
Change Other Net Oper Assets Insurance	5.83M	7.89M	-12.41M	-2.44M	-9.98M
Other Operating Activities Insurance	-18.99M	-9.08M	-2.76M	0.38M	-12.12M
Depreciation & Amortization	6.87M	1.63M	2.70M	3.57M	3.08M
Other Amortization	—	1.82M	1.27M	1.83M	0.60M
Cash Interest Paid	—	13.45K	27.36K	62.28K	—
Reinsurance Recoverable CF	-7.47M	31.00M	-3.55M	30.57M	-12.33M
Investing Activities
Investing Cash Flow	2.76M	-73.05M	-63.25M	8.36M	72.36M
Capex Insurance	-0.85M	-3.17M	-0.13M	-1.79M	-1.99M
Investment in Securities	5.67M	-51.70M	-62.81M	-6.69M	78.81M
Other Investing Activities	—	-9.00M	—	19.00M	—
Sale Of Intangibles Insurance	-2.13M	-9.18M	-0.33M	-2.17M	-4.46M
Sale of Property, Plant & Equipment	55.00K	—	19.70K	4.85K	—
Gain Assets CF Insurance	-55.00K	—	-16.79K	3.17K	—
Loss (Gain) on Sale of Investments	5.28M	-0.28M	-13.44M	2.90M	-23.13M
Financing Activities
Financing Cash Flow	-1.27M	152.26M	-0.94M	-1.29M	-2.91M
Common Dividends Paid	-6.50K	-0.50K	-0.50K	—	-0.39K
Common Issued Insurance	—	152.91M	—	—	—
Long-Term Debt Repaid	-1.27M	-0.65M	-0.94M	-1.29M	-2.91M
Net Debt Issued Insurance	-1.27M	-0.65M	-0.94M	-1.29M	-2.91M
Total Debt Repaid Insurance	-1.27M	-0.65M	-0.94M	-1.29M	-2.91M
Free Cash Flow & Returns
Free Cash Flow	-93.86M	24.43M	-3.16M	-74.11M	-126.56M
Free Cash Flow Margin	-15.0%	+4.6%	-0.6%	-15.0%	-35.6%
Free Cash Flow Per Share	-3.12	0.97	-0.23	-5.29	-9.04
Levered Free Cash Flow	119.23M	57.12M	-40.52M	-443.66M	-23.27M
Unlevered Free Cash Flow	119.28M	57.12M	-40.51M	-443.62M	-23.19M
Net Cash Flow	-91.53M	106.81M	-67.22M	-65.25M	-55.12M