U C A

United Cooperative Assurance Co.

8190StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Revenue	1.06B	1.09B	0.66B	0.23B	0.19B
Operating Expenses	1.07B	1.08B	0.71B	0.30B	0.20B
Pretax Income	-11.06M	9.56M	-52.48M	-65.67M	-15.88M
Income Tax	4.00M	4.27M	3.00M	8.00M	28.00M
Net Income	-15.06M	5.29M	-55.48M	-73.67M	-43.88M
Premium Revenue	1.05B	1.06B	0.63B	0.18B	0.13B
Policy Benefits	916.15M	938.84M	677.30M	185.23M	89.47M
Policy Cost	106.28M	113.11M	—	24.91M	18.24M
EPS (Basic)	-0.38	0.13	-1.39	-1.84	-1.10
EPS (Diluted)	-0.38	0.13	-1.39	-1.84	-1.10
Margins & Efficiency
Net Margin %	-1.4%	+0.5%	-8.4%	-31.8%	-23.5%
Revenue & Income
Revenue Growth (YoY)	-2.7%	+65.3%	+184.5%	+23.8%	+38.1%
Revenue Insurance	1.06B	1.09B	0.66B	0.23B	0.19B
Premiums Annuity Rev	1.05B	1.06B	0.63B	0.18B	0.13B
Other Revenue Insurance	11.44M	28.01M	23.47M	47.86M	46.90M
Gain Investment Rev Insurance	0.00M	0.74M	-1.32M	-0.85M	4.25M
Expenses & Provisions
SG&A Insurance	9.86M	13.82M	8.22M	94.63M	88.25M
Other Opex Insurance	12.18M	-13.66M	7.44M	1.47M	1.07M
Total Opex Insurance	1.07B	1.08B	0.71B	0.30B	0.20B
Interest Expense	-57.00K	-88.00K	-117.00K	—	—
Policy Benefits	916.15M	938.84M	677.30M	185.23M	89.47M
Policy Cost	106.28M	113.11M	—	24.91M	18.24M
Provision for Bad Debts	—	—	—	-9.16M	5.82M
D&A For EBITDA	6.98M	3.34M	4.16M	3.97M	2.74M
Da Suppl Insurance	5.05M	3.01M	3.48M	—	—
Deferred Policy Acquisition Cost	—	—	—	10.57M	12.65M
Profitability & Returns
EBIT	-11.00M	9.65M	-52.37M	-65.67M	-15.88M
EBIT Margin	-1.0%	+0.9%	-8.0%	-28.4%	-8.5%
EBITDA	-4.02M	12.99M	-48.20M	-61.70M	-13.14M
EBITDA Margin	-0.4%	+1.2%	-7.3%	-26.7%	-7.0%
EBT Excluding Unusual Items	-11.06M	9.56M	-52.48M	-65.67M	-15.88M
Pretax Income	-11.06M	9.56M	-52.48M	-65.67M	-15.88M
Opinc Insurance	-11.00M	9.65M	-52.37M	-65.67M	-15.88M
Operating Margin	-1.0%	+0.9%	-8.0%	-28.4%	-8.5%
Profit Margin	-1.4%	+0.5%	-8.4%	-31.8%	-23.5%
Net Income	-15.06M	5.29M	-55.48M	-73.67M	-43.88M
Net Income to Common	-15.06M	5.29M	-55.48M	-73.67M	-43.88M
Income Tax Expense	4.00M	4.27M	3.00M	8.00M	28.00M
Effective Tax Rate	—	+44.7%	—	—	—
Per Share & Capital
EPS (Basic)	-0.38	0.13	-1.39	-1.84	-1.10
EPS (Diluted)	-0.38	0.13	-1.39	-1.84	-1.10
Shares Change (YoY)	—	0	-0	—	—
Shares Outstanding (Basic)	40.00M	40.00M	39.92M	40.00M	40.00M
Shares Outstanding (Diluted)	40.00M	40.00M	39.92M	40.00M	40.00M
Free Cash Flow	-22.85M	15.61M	1.68M	-8.68M	-100.69M
Free Cash Flow Margin	-2.2%	+1.4%	+0.3%	-3.8%	-53.9%
Free Cash Flow Per Share	-0.57	0.39	0.04	-0.22	-2.52
Supplemental
Total Interest Dividend Income	-2.51M	-2.69M	1.79M	9.36M	10.38M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021	2020Dec 31, 2020
Operating Summary
Revenue	1.06B	1.09B	0.66B	0.23B	0.19B
Operating Expenses	1.07B	1.08B	0.71B	0.30B	0.20B
Pretax Income	-11.06M	9.56M	-52.48M	-65.67M	-15.88M
Income Tax	4.00M	4.27M	3.00M	8.00M	28.00M
Net Income	-15.06M	5.29M	-55.48M	-73.67M	-43.88M
Premium Revenue	1.05B	1.06B	0.63B	0.18B	0.13B
Policy Benefits	916.15M	938.84M	677.30M	185.23M	89.47M
Policy Cost	106.28M	113.11M	—	24.91M	18.24M
EPS (Basic)	-0.38	0.13	-1.39	-1.84	-1.10
EPS (Diluted)	-0.38	0.13	-1.39	-1.84	-1.10
Margins & Efficiency
Net Margin %	-1.4%	+0.5%	-8.4%	-31.8%	-23.5%
Revenue & Income
Revenue Growth (YoY)	-2.7%	+65.3%	+184.5%	+23.8%	+38.1%
Revenue Insurance	1.06B	1.09B	0.66B	0.23B	0.19B
Premiums Annuity Rev	1.05B	1.06B	0.63B	0.18B	0.13B
Other Revenue Insurance	11.44M	28.01M	23.47M	47.86M	46.90M
Gain Investment Rev Insurance	0.00M	0.74M	-1.32M	-0.85M	4.25M
Expenses & Provisions
SG&A Insurance	9.86M	13.82M	8.22M	94.63M	88.25M
Other Opex Insurance	12.18M	-13.66M	7.44M	1.47M	1.07M
Total Opex Insurance	1.07B	1.08B	0.71B	0.30B	0.20B
Interest Expense	-57.00K	-88.00K	-117.00K	—	—
Policy Benefits	916.15M	938.84M	677.30M	185.23M	89.47M
Policy Cost	106.28M	113.11M	—	24.91M	18.24M
Provision for Bad Debts	—	—	—	-9.16M	5.82M
D&A For EBITDA	6.98M	3.34M	4.16M	3.97M	2.74M
Da Suppl Insurance	5.05M	3.01M	3.48M	—	—
Deferred Policy Acquisition Cost	—	—	—	10.57M	12.65M
Profitability & Returns
EBIT	-11.00M	9.65M	-52.37M	-65.67M	-15.88M
EBIT Margin	-1.0%	+0.9%	-8.0%	-28.4%	-8.5%
EBITDA	-4.02M	12.99M	-48.20M	-61.70M	-13.14M
EBITDA Margin	-0.4%	+1.2%	-7.3%	-26.7%	-7.0%
EBT Excluding Unusual Items	-11.06M	9.56M	-52.48M	-65.67M	-15.88M
Pretax Income	-11.06M	9.56M	-52.48M	-65.67M	-15.88M
Opinc Insurance	-11.00M	9.65M	-52.37M	-65.67M	-15.88M
Operating Margin	-1.0%	+0.9%	-8.0%	-28.4%	-8.5%
Profit Margin	-1.4%	+0.5%	-8.4%	-31.8%	-23.5%
Net Income	-15.06M	5.29M	-55.48M	-73.67M	-43.88M
Net Income to Common	-15.06M	5.29M	-55.48M	-73.67M	-43.88M
Income Tax Expense	4.00M	4.27M	3.00M	8.00M	28.00M
Effective Tax Rate	—	+44.7%	—	—	—
Per Share & Capital
EPS (Basic)	-0.38	0.13	-1.39	-1.84	-1.10
EPS (Diluted)	-0.38	0.13	-1.39	-1.84	-1.10
Shares Change (YoY)	—	0	-0	—	—
Shares Outstanding (Basic)	40.00M	40.00M	39.92M	40.00M	40.00M
Shares Outstanding (Diluted)	40.00M	40.00M	39.92M	40.00M	40.00M
Free Cash Flow	-22.85M	15.61M	1.68M	-8.68M	-100.69M
Free Cash Flow Margin	-2.2%	+1.4%	+0.3%	-3.8%	-53.9%
Free Cash Flow Per Share	-0.57	0.39	0.04	-0.22	-2.52
Supplemental
Total Interest Dividend Income	-2.51M	-2.69M	1.79M	9.36M	10.38M