ALRAJHI TAKAFUL

Al Rajhi Co. for Cooperative Insurance

8230StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.59B	1.42B	1.29B	1.28B	1.15B
Operating Expenses	1.34B	1.16B	1.20B	1.16B	1.06B
Pretax Income	116.73M	162.25M	91.62M	118.21M	96.79M
Income Tax	3.23M	-4.74M	5.99M	6.65M	6.00M
Net Income	113.50M	166.99M	85.63M	111.57M	90.80M
Premium Revenue	1.40B	1.30B	1.24B	1.25B	1.11B
Policy Benefits	1.29B	1.11B	1.16B	1.12B	1.02B
Policy Cost	—	—	—	—	—
EPS (Basic)	1.14	1.67	0.86	1.12	0.91
EPS (Diluted)	1.14	1.67	0.86	1.12	0.91
Margins & Efficiency
Net Margin %	+7.1%	+11.8%	+6.6%	+8.7%	+7.9%
Revenue & Income
Revenue as Reported	—	—	—	—	—
Revenue Growth (YoY)	+37.8%	+3.8%	+0.2%	+16.1%	+8.2%
Revenue Insurance	1.59B	1.42B	1.29B	1.28B	1.15B
Premiums Annuity Rev	1.40B	1.30B	1.24B	1.25B	1.11B
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	118.45M	-503.46M	218.29M	-276.58M	-12.05M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	56.99M	53.58M	32.36M	38.16M	36.57M
Total Opex Insurance	1.34B	1.16B	1.20B	1.16B	1.06B
Interest Expense	-133.46M	-94.75M	—	—	—
Other Non Operating Income (Expenses)	4.43M	2.02M	—	—	—
Policy Benefits	1.29B	1.11B	1.16B	1.12B	1.02B
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	18.54M	1.50M	10.37M	10.56M	6.09M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	245.76M	254.97M	91.62M	118.21M	96.79M
EBIT Margin	+15.5%	+18.0%	+7.1%	+9.3%	+8.4%
EBITDA	264.30M	256.48M	101.99M	128.77M	102.89M
EBITDA Margin	+16.6%	+18.1%	+7.9%	+10.1%	+8.9%
Pretax Income	116.73M	162.25M	91.62M	118.21M	96.79M
Opinc Insurance	245.76M	254.97M	91.62M	118.21M	96.79M
Operating Margin	+15.5%	+18.0%	+7.1%	+9.3%	+8.4%
Profit Margin	+7.1%	+11.8%	+6.6%	+8.7%	+7.9%
Net Income	113.50M	166.99M	85.63M	111.57M	90.80M
Net Income to Common	113.50M	166.99M	85.63M	111.57M	90.80M
Net Income Growth	+25.0%	+241.1%	+4.1%	+24.3%	-18.5%
Income Tax Expense	3.23M	-4.74M	5.99M	6.65M	6.00M
Effective Tax Rate	+2.8%	—	+6.5%	+5.6%	+6.2%
Per Share & Capital
EPS (Basic)	1.14	1.67	0.86	1.12	0.91
EPS (Diluted)	1.14	1.67	0.86	1.12	0.91
EPS Growth	+25.6%	+241.1%	+4.9%	+24.3%	-18.5%
Shares Change (YoY)	-0	—	-0.01	—	—
Shares Outstanding (Basic)	99.56M	100.00M	99.57M	100.00M	100.00M
Shares Outstanding (Diluted)	99.56M	100.00M	99.57M	100.00M	100.00M
Free Cash Flow	-333.64M	-54.21M	-161.07M	41.40M	-224.76M
Free Cash Flow Margin	-21.0%	-3.8%	-12.5%	+3.2%	-19.5%
Free Cash Flow Per Share	-3.35	-0.54	-1.62	0.41	-2.25
Supplemental
Total Interest Dividend Income	68.97M	615.65M	-166.35M	302.69M	54.67M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	1.59B	1.42B	1.29B	1.28B	1.15B
Operating Expenses	1.34B	1.16B	1.20B	1.16B	1.06B
Pretax Income	116.73M	162.25M	91.62M	118.21M	96.79M
Income Tax	3.23M	-4.74M	5.99M	6.65M	6.00M
Net Income	113.50M	166.99M	85.63M	111.57M	90.80M
Premium Revenue	1.40B	1.30B	1.24B	1.25B	1.11B
Policy Benefits	1.29B	1.11B	1.16B	1.12B	1.02B
Policy Cost	—	—	—	—	—
EPS (Basic)	1.14	1.67	0.86	1.12	0.91
EPS (Diluted)	1.14	1.67	0.86	1.12	0.91
Margins & Efficiency
Net Margin %	+7.1%	+11.8%	+6.6%	+8.7%	+7.9%
Revenue & Income
Revenue as Reported	—	—	—	—	—
Revenue Growth (YoY)	+37.8%	+3.8%	+0.2%	+16.1%	+8.2%
Revenue Insurance	1.59B	1.42B	1.29B	1.28B	1.15B
Premiums Annuity Rev	1.40B	1.30B	1.24B	1.25B	1.11B
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	118.45M	-503.46M	218.29M	-276.58M	-12.05M
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	56.99M	53.58M	32.36M	38.16M	36.57M
Total Opex Insurance	1.34B	1.16B	1.20B	1.16B	1.06B
Interest Expense	-133.46M	-94.75M	—	—	—
Other Non Operating Income (Expenses)	4.43M	2.02M	—	—	—
Policy Benefits	1.29B	1.11B	1.16B	1.12B	1.02B
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	—
D&A For EBITDA	18.54M	1.50M	10.37M	10.56M	6.09M
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	245.76M	254.97M	91.62M	118.21M	96.79M
EBIT Margin	+15.5%	+18.0%	+7.1%	+9.3%	+8.4%
EBITDA	264.30M	256.48M	101.99M	128.77M	102.89M
EBITDA Margin	+16.6%	+18.1%	+7.9%	+10.1%	+8.9%
Pretax Income	116.73M	162.25M	91.62M	118.21M	96.79M
Opinc Insurance	245.76M	254.97M	91.62M	118.21M	96.79M
Operating Margin	+15.5%	+18.0%	+7.1%	+9.3%	+8.4%
Profit Margin	+7.1%	+11.8%	+6.6%	+8.7%	+7.9%
Net Income	113.50M	166.99M	85.63M	111.57M	90.80M
Net Income to Common	113.50M	166.99M	85.63M	111.57M	90.80M
Net Income Growth	+25.0%	+241.1%	+4.1%	+24.3%	-18.5%
Income Tax Expense	3.23M	-4.74M	5.99M	6.65M	6.00M
Effective Tax Rate	+2.8%	—	+6.5%	+5.6%	+6.2%
Per Share & Capital
EPS (Basic)	1.14	1.67	0.86	1.12	0.91
EPS (Diluted)	1.14	1.67	0.86	1.12	0.91
EPS Growth	+25.6%	+241.1%	+4.9%	+24.3%	-18.5%
Shares Change (YoY)	-0	—	-0.01	—	—
Shares Outstanding (Basic)	99.56M	100.00M	99.57M	100.00M	100.00M
Shares Outstanding (Diluted)	99.56M	100.00M	99.57M	100.00M	100.00M
Free Cash Flow	-333.64M	-54.21M	-161.07M	41.40M	-224.76M
Free Cash Flow Margin	-21.0%	-3.8%	-12.5%	+3.2%	-19.5%
Free Cash Flow Per Share	-3.35	-0.54	-1.62	0.41	-2.25
Supplemental
Total Interest Dividend Income	68.97M	615.65M	-166.35M	302.69M	54.67M