ALRAJHI TAKAFUL

Al Rajhi Co. for Cooperative Insurance

8230StocksTadawulInsurance

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	5.14B	4.82B	3.61B	2.58B	2.39B
Operating Expenses	4.57B	4.43B	3.20B	2.51B	2.27B
Pretax Income	468.87M	329.31M	337.50M	82.64M	115.38M
Income Tax	13.89M	-3.03M	9.44M	10.25M	16.91M
Net Income	454.98M	332.34M	328.06M	72.39M	98.47M
Premium Revenue	4.90B	4.53B	3.41B	2.47B	2.26B
Policy Benefits	4.41B	4.31B	3.09B	2.41B	1.77B
Policy Cost	—	—	—	—	203.25M
EPS (Basic)	4.55	3.32	3.28	0.72	0.98
EPS (Diluted)	4.55	3.32	3.28	0.72	0.98
Margins & Efficiency
Net Margin %	+8.9%	+6.9%	+9.1%	+2.8%	+4.1%
Revenue & Income
Revenue as Reported	—	—	—	—	—
Revenue Growth (YoY)	+6.6%	+33.5%	+39.9%	+8.1%	-2.1%
Revenue Insurance	5.14B	4.82B	3.61B	2.58B	2.39B
Premiums Annuity Rev	4.90B	4.53B	3.41B	2.47B	2.26B
Other Revenue Insurance	—	—	—	—	94.38M
Gain Investment Rev Insurance	-573.79M	352.71M	114.01M	-12.48M	17.58M
Expenses & Provisions
SG&A Insurance	—	—	—	—	289.91M
Other Opex Insurance	160.67M	125.69M	104.37M	98.74M	10.70M
Total Opex Insurance	4.57B	4.43B	3.20B	2.51B	2.27B
Interest Expense	-94.75M	-68.13M	-76.35M	—	—
Other Non Operating Income (Expenses)	2.02M	13.10M	0.09M	12.73M	—
Policy Benefits	4.41B	4.31B	3.09B	2.41B	1.77B
Policy Cost	—	—	—	—	203.25M
Provision for Bad Debts	—	—	—	—	-5.75M
D&A For EBITDA	6.01M	36.00M	31.07M	23.91M	13.96M
Deferred Policy Acquisition Cost	—	—	—	—	109.94M
Profitability & Returns
EBIT	561.59M	384.34M	413.76M	69.92M	115.38M
EBIT Margin	+10.9%	+8.0%	+11.5%	+2.7%	+4.8%
EBITDA	567.61M	420.34M	444.83M	93.82M	129.34M
EBITDA Margin	+11.1%	+8.7%	+12.3%	+3.6%	+5.4%
Pretax Income	468.87M	329.31M	337.50M	82.64M	115.38M
Opinc Insurance	561.59M	384.34M	413.76M	69.92M	115.38M
Operating Margin	+10.9%	+8.0%	+11.5%	+2.7%	+4.8%
Profit Margin	+8.9%	+6.9%	+9.1%	+2.8%	+4.1%
Net Income	454.98M	332.34M	328.06M	72.39M	98.47M
Net Income to Common	454.98M	332.34M	328.06M	72.39M	98.47M
Net Income Growth	+36.9%	+1.3%	+353.2%	-26.5%	-56.6%
Income Tax Expense	13.89M	-3.03M	9.44M	10.25M	16.91M
Effective Tax Rate	+3.0%	—	+2.8%	+12.4%	+14.7%
Per Share & Capital
EPS (Basic)	4.55	3.32	3.28	0.72	0.98
EPS (Diluted)	4.55	3.32	3.28	0.72	0.98
EPS Growth	+36.9%	+1.3%	+353.2%	-26.5%	-56.6%
Shares Outstanding (Basic)	100.00M	100.00M	100.00M	100.00M	100.00M
Shares Outstanding (Diluted)	100.00M	100.00M	100.00M	100.00M	100.00M
Free Cash Flow	-0.40B	-0.46B	1.00B	0.44B	0.14B
Free Cash Flow Margin	-7.8%	-9.6%	+27.7%	+17.1%	+6.1%
Free Cash Flow Per Share	-3.99	-4.64	10.01	4.42	1.45
Supplemental
Total Interest Dividend Income	806.65M	-64.68M	85.37M	122.32M	13.51M

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	5.14B	4.82B	3.61B	2.58B	2.39B
Operating Expenses	4.57B	4.43B	3.20B	2.51B	2.27B
Pretax Income	468.87M	329.31M	337.50M	82.64M	115.38M
Income Tax	13.89M	-3.03M	9.44M	10.25M	16.91M
Net Income	454.98M	332.34M	328.06M	72.39M	98.47M
Premium Revenue	4.90B	4.53B	3.41B	2.47B	2.26B
Policy Benefits	4.41B	4.31B	3.09B	2.41B	1.77B
Policy Cost	—	—	—	—	203.25M
EPS (Basic)	4.55	3.32	3.28	0.72	0.98
EPS (Diluted)	4.55	3.32	3.28	0.72	0.98
Margins & Efficiency
Net Margin %	+8.9%	+6.9%	+9.1%	+2.8%	+4.1%
Revenue & Income
Revenue as Reported	—	—	—	—	—
Revenue Growth (YoY)	+6.6%	+33.5%	+39.9%	+8.1%	-2.1%
Revenue Insurance	5.14B	4.82B	3.61B	2.58B	2.39B
Premiums Annuity Rev	4.90B	4.53B	3.41B	2.47B	2.26B
Other Revenue Insurance	—	—	—	—	94.38M
Gain Investment Rev Insurance	-573.79M	352.71M	114.01M	-12.48M	17.58M
Expenses & Provisions
SG&A Insurance	—	—	—	—	289.91M
Other Opex Insurance	160.67M	125.69M	104.37M	98.74M	10.70M
Total Opex Insurance	4.57B	4.43B	3.20B	2.51B	2.27B
Interest Expense	-94.75M	-68.13M	-76.35M	—	—
Other Non Operating Income (Expenses)	2.02M	13.10M	0.09M	12.73M	—
Policy Benefits	4.41B	4.31B	3.09B	2.41B	1.77B
Policy Cost	—	—	—	—	203.25M
Provision for Bad Debts	—	—	—	—	-5.75M
D&A For EBITDA	6.01M	36.00M	31.07M	23.91M	13.96M
Deferred Policy Acquisition Cost	—	—	—	—	109.94M
Profitability & Returns
EBIT	561.59M	384.34M	413.76M	69.92M	115.38M
EBIT Margin	+10.9%	+8.0%	+11.5%	+2.7%	+4.8%
EBITDA	567.61M	420.34M	444.83M	93.82M	129.34M
EBITDA Margin	+11.1%	+8.7%	+12.3%	+3.6%	+5.4%
Pretax Income	468.87M	329.31M	337.50M	82.64M	115.38M
Opinc Insurance	561.59M	384.34M	413.76M	69.92M	115.38M
Operating Margin	+10.9%	+8.0%	+11.5%	+2.7%	+4.8%
Profit Margin	+8.9%	+6.9%	+9.1%	+2.8%	+4.1%
Net Income	454.98M	332.34M	328.06M	72.39M	98.47M
Net Income to Common	454.98M	332.34M	328.06M	72.39M	98.47M
Net Income Growth	+36.9%	+1.3%	+353.2%	-26.5%	-56.6%
Income Tax Expense	13.89M	-3.03M	9.44M	10.25M	16.91M
Effective Tax Rate	+3.0%	—	+2.8%	+12.4%	+14.7%
Per Share & Capital
EPS (Basic)	4.55	3.32	3.28	0.72	0.98
EPS (Diluted)	4.55	3.32	3.28	0.72	0.98
EPS Growth	+36.9%	+1.3%	+353.2%	-26.5%	-56.6%
Shares Outstanding (Basic)	100.00M	100.00M	100.00M	100.00M	100.00M
Shares Outstanding (Diluted)	100.00M	100.00M	100.00M	100.00M	100.00M
Free Cash Flow	-0.40B	-0.46B	1.00B	0.44B	0.14B
Free Cash Flow Margin	-7.8%	-9.6%	+27.7%	+17.1%	+6.1%
Free Cash Flow Per Share	-3.99	-4.64	10.01	4.42	1.45
Supplemental
Total Interest Dividend Income	806.65M	-64.68M	85.37M	122.32M	13.51M