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
Operating Summary
Revenue	626.49M	533.87M	535.24M	493.46M	355.19M
Operating Expenses	697.73M	493.19M	485.71M	542.26M	427.76M
Pretax Income	-71.32M	40.67M	49.50M	-48.86M	-72.70M
Income Tax	-1.00M	8.81M	7.20M	4.60M	1.77M
Net Income	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Premium Revenue	604.41M	503.66M	486.22M	473.35M	304.26M
Policy Benefits	671.86M	473.24M	465.40M	513.01M	321.33M
Policy Cost	—	—	—	—	26.47M
EPS (Basic)	-2.34	1.26	3.02	-3.82	-5.32
EPS (Diluted)	-2.34	1.26	3.02	-3.82	-5.32
Margins & Efficiency
Net Margin %	-11.2%	+6.0%	+7.9%	-10.8%	-21.0%
Revenue & Income
Revenue Growth (YoY)	+17.3%	-0.3%	+8.5%	+38.9%	-14.9%
Revenue Insurance	626.49M	533.87M	535.24M	493.46M	355.19M
Premiums Annuity Rev	604.41M	503.66M	486.22M	473.35M	304.26M
Other Revenue Insurance	0.62M	3.36M	14.11M	18.75M	20.67M
Gain Investment Rev Insurance	-5.28M	0.28M	13.44M	-2.90M	24.18M
Expenses & Provisions
SG&A Insurance	—	—	—	—	75.49M
Other Opex Insurance	25.87M	19.95M	20.31M	29.25M	1.27M
Total Opex Insurance	697.73M	493.19M	485.71M	542.26M	427.76M
Interest Expense	-80.99K	-13.45K	-27.36K	-62.28K	-129.34K
Policy Benefits	671.86M	473.24M	465.40M	513.01M	321.33M
Policy Cost	—	—	—	—	26.47M
Provision for Bad Debts	—	—	—	—	3.21M
D&A For EBITDA	5.31M	1.10M	1.20M	1.74M	0.76M
Deferred Policy Acquisition Cost	—	—	—	—	12.52M
Profitability & Returns
EBIT	-71.24M	40.69M	49.53M	-48.80M	-72.57M
EBIT Margin	-11.4%	+7.6%	+9.3%	-9.9%	-20.4%
EBITDA	-65.92M	41.78M	50.73M	-47.05M	-71.81M
EBITDA Margin	-10.5%	+7.8%	+9.5%	-9.5%	-20.2%
EBT Excluding Unusual Items	-71.32M	40.67M	49.50M	-48.86M	-72.70M
Pretax Income	-71.32M	40.67M	49.50M	-48.86M	-72.70M
Opinc Insurance	-71.24M	40.69M	49.53M	-48.80M	-72.57M
Operating Margin	-11.4%	+7.6%	+9.3%	-9.9%	-20.4%
Profit Margin	-11.2%	+6.0%	+7.9%	-10.8%	-21.0%
Net Income	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Net Income to Common	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Net Income Growth	—	-24.7%	—	—	—
Income Tax Expense	-1.00M	8.81M	7.20M	4.60M	1.77M
Effective Tax Rate	—	+21.7%	+14.5%	—	—
Per Share & Capital
EPS (Basic)	-2.34	1.26	3.02	-3.82	-5.32
EPS (Diluted)	-2.34	1.26	3.02	-3.82	-5.32
EPS Growth	—	-58.3%	—	—	—
Shares Change (YoY)	0.19	0.81	—	—	—
Shares Outstanding (Basic)	30.05M	25.31M	14.00M	14.00M	14.00M
Shares Outstanding (Diluted)	30.05M	25.31M	14.00M	14.00M	14.00M
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
Payout Ratio	—	0.0%	0.0%	—	—
Supplemental
Total Interest Dividend Income	26.74M	26.57M	21.47M	4.27M	6.08M

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	626.49M	533.87M	535.24M	493.46M	355.19M
Operating Expenses	697.73M	493.19M	485.71M	542.26M	427.76M
Pretax Income	-71.32M	40.67M	49.50M	-48.86M	-72.70M
Income Tax	-1.00M	8.81M	7.20M	4.60M	1.77M
Net Income	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Premium Revenue	604.41M	503.66M	486.22M	473.35M	304.26M
Policy Benefits	671.86M	473.24M	465.40M	513.01M	321.33M
Policy Cost	—	—	—	—	26.47M
EPS (Basic)	-2.34	1.26	3.02	-3.82	-5.32
EPS (Diluted)	-2.34	1.26	3.02	-3.82	-5.32
Margins & Efficiency
Net Margin %	-11.2%	+6.0%	+7.9%	-10.8%	-21.0%
Revenue & Income
Revenue Growth (YoY)	+17.3%	-0.3%	+8.5%	+38.9%	-14.9%
Revenue Insurance	626.49M	533.87M	535.24M	493.46M	355.19M
Premiums Annuity Rev	604.41M	503.66M	486.22M	473.35M	304.26M
Other Revenue Insurance	0.62M	3.36M	14.11M	18.75M	20.67M
Gain Investment Rev Insurance	-5.28M	0.28M	13.44M	-2.90M	24.18M
Expenses & Provisions
SG&A Insurance	—	—	—	—	75.49M
Other Opex Insurance	25.87M	19.95M	20.31M	29.25M	1.27M
Total Opex Insurance	697.73M	493.19M	485.71M	542.26M	427.76M
Interest Expense	-80.99K	-13.45K	-27.36K	-62.28K	-129.34K
Policy Benefits	671.86M	473.24M	465.40M	513.01M	321.33M
Policy Cost	—	—	—	—	26.47M
Provision for Bad Debts	—	—	—	—	3.21M
D&A For EBITDA	5.31M	1.10M	1.20M	1.74M	0.76M
Deferred Policy Acquisition Cost	—	—	—	—	12.52M
Profitability & Returns
EBIT	-71.24M	40.69M	49.53M	-48.80M	-72.57M
EBIT Margin	-11.4%	+7.6%	+9.3%	-9.9%	-20.4%
EBITDA	-65.92M	41.78M	50.73M	-47.05M	-71.81M
EBITDA Margin	-10.5%	+7.8%	+9.5%	-9.5%	-20.2%
EBT Excluding Unusual Items	-71.32M	40.67M	49.50M	-48.86M	-72.70M
Pretax Income	-71.32M	40.67M	49.50M	-48.86M	-72.70M
Opinc Insurance	-71.24M	40.69M	49.53M	-48.80M	-72.57M
Operating Margin	-11.4%	+7.6%	+9.3%	-9.9%	-20.4%
Profit Margin	-11.2%	+6.0%	+7.9%	-10.8%	-21.0%
Net Income	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Net Income to Common	-70.32M	31.86M	42.30M	-53.46M	-74.47M
Net Income Growth	—	-24.7%	—	—	—
Income Tax Expense	-1.00M	8.81M	7.20M	4.60M	1.77M
Effective Tax Rate	—	+21.7%	+14.5%	—	—
Per Share & Capital
EPS (Basic)	-2.34	1.26	3.02	-3.82	-5.32
EPS (Diluted)	-2.34	1.26	3.02	-3.82	-5.32
EPS Growth	—	-58.3%	—	—	—
Shares Change (YoY)	0.19	0.81	—	—	—
Shares Outstanding (Basic)	30.05M	25.31M	14.00M	14.00M	14.00M
Shares Outstanding (Diluted)	30.05M	25.31M	14.00M	14.00M	14.00M
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
Payout Ratio	—	0.0%	0.0%	—	—
Supplemental
Total Interest Dividend Income	26.74M	26.57M	21.47M	4.27M	6.08M