CHUBB

Chubb Arabia Cooperative Insurance Company

8240StocksTadawulInsurance

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	180.40M	164.79M	229.28M	132.94M	121.54M
Operating Expenses	159.56M	132.80M	210.87M	119.41M	84.71M
Pretax Income	21.66M	32.30M	19.69M	13.54M	36.82M
Income Tax	5.36M	7.48M	7.15M	6.37M	6.53M
Net Income	16.29M	24.82M	12.54M	7.16M	30.29M
Premium Revenue	162.33M	139.72M	299.36M	102.26M	85.40M
Policy Benefits	143.43M	117.71M	197.35M	54.08M	23.17M
Policy Cost	—	—	—	21.69M	19.43M
EPS (Basic)	0.41	0.62	0.31	0.18	0.76
EPS (Diluted)	0.41	0.62	0.31	0.18	0.76
Margins & Efficiency
Net Margin %	+9.0%	+15.1%	+5.5%	+5.4%	+24.9%
Revenue & Income
Revenue Growth (YoY)	+9.5%	-28.1%	+72.5%	+9.4%	-2.3%
Revenue Insurance	180.40M	164.79M	229.28M	132.94M	121.54M
Premiums Annuity Rev	162.33M	139.72M	299.36M	102.26M	85.40M
Other Revenue Insurance	0.80M	7.18M	-78.48M	26.75M	27.14M
Gain Investment Rev Insurance	1.54M	3.77M	-0.14M	-1.86M	1.46M
Expenses & Provisions
SG&A Insurance	—	—	—	42.57M	40.16M
Other Opex Insurance	16.12M	15.09M	13.52M	1.85M	4.43M
Total Opex Insurance	159.56M	132.80M	210.87M	119.41M	84.71M
Other Non Operating Income (Expenses)	0.81M	0.31M	1.28M	—	—
Policy Benefits	143.43M	117.71M	197.35M	54.08M	23.17M
Policy Cost	—	—	—	21.69M	19.43M
Provision for Bad Debts	—	—	—	-0.79M	-2.47M
D&A For EBITDA	1.07M	0.76M	0.68M	0.42M	0.22M
Deferred Policy Acquisition Cost	—	—	—	6.43M	5.63M
Profitability & Returns
EBIT	20.84M	31.99M	18.42M	13.54M	36.82M
EBIT Margin	+11.6%	+19.4%	+8.0%	+10.2%	+30.3%
EBITDA	21.91M	32.76M	19.09M	13.96M	37.05M
EBITDA Margin	+12.1%	+19.9%	+8.3%	+10.5%	+30.5%
Pretax Income	21.66M	32.30M	19.69M	13.54M	36.82M
Opinc Insurance	20.84M	31.99M	18.42M	13.54M	36.82M
Operating Margin	+11.6%	+19.4%	+8.0%	+10.2%	+30.3%
Profit Margin	+9.0%	+15.1%	+5.5%	+5.4%	+24.9%
Net Income	16.29M	24.82M	12.54M	7.16M	30.29M
Net Income to Common	16.29M	24.82M	12.54M	7.16M	30.29M
Net Income Growth	-34.4%	+97.9%	+75.1%	-76.4%	+3.2%
Income Tax Expense	5.36M	7.48M	7.15M	6.37M	6.53M
Effective Tax Rate	+24.8%	+23.2%	+36.3%	+47.1%	+17.7%
Per Share & Capital
EPS (Basic)	0.41	0.62	0.31	0.18	0.76
EPS (Diluted)	0.41	0.62	0.31	0.18	0.76
EPS Growth	-34.7%	+97.9%	+75.1%	-76.4%	+3.2%
Shares Outstanding (Basic)	40.00M	40.00M	40.00M	40.00M	40.00M
Shares Outstanding (Diluted)	40.00M	40.00M	40.00M	40.00M	40.00M
Free Cash Flow	12.64M	35.81M	23.97M	-0.86M	27.13M
Free Cash Flow Margin	+7.0%	+21.7%	+10.5%	-0.6%	+22.3%
Free Cash Flow Per Share	0.32	0.90	0.60	-0.02	0.68
Supplemental
Total Interest Dividend Income	15.72M	14.12M	8.55M	5.79M	7.54M

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	180.40M	164.79M	229.28M	132.94M	121.54M
Operating Expenses	159.56M	132.80M	210.87M	119.41M	84.71M
Pretax Income	21.66M	32.30M	19.69M	13.54M	36.82M
Income Tax	5.36M	7.48M	7.15M	6.37M	6.53M
Net Income	16.29M	24.82M	12.54M	7.16M	30.29M
Premium Revenue	162.33M	139.72M	299.36M	102.26M	85.40M
Policy Benefits	143.43M	117.71M	197.35M	54.08M	23.17M
Policy Cost	—	—	—	21.69M	19.43M
EPS (Basic)	0.41	0.62	0.31	0.18	0.76
EPS (Diluted)	0.41	0.62	0.31	0.18	0.76
Margins & Efficiency
Net Margin %	+9.0%	+15.1%	+5.5%	+5.4%	+24.9%
Revenue & Income
Revenue Growth (YoY)	+9.5%	-28.1%	+72.5%	+9.4%	-2.3%
Revenue Insurance	180.40M	164.79M	229.28M	132.94M	121.54M
Premiums Annuity Rev	162.33M	139.72M	299.36M	102.26M	85.40M
Other Revenue Insurance	0.80M	7.18M	-78.48M	26.75M	27.14M
Gain Investment Rev Insurance	1.54M	3.77M	-0.14M	-1.86M	1.46M
Expenses & Provisions
SG&A Insurance	—	—	—	42.57M	40.16M
Other Opex Insurance	16.12M	15.09M	13.52M	1.85M	4.43M
Total Opex Insurance	159.56M	132.80M	210.87M	119.41M	84.71M
Other Non Operating Income (Expenses)	0.81M	0.31M	1.28M	—	—
Policy Benefits	143.43M	117.71M	197.35M	54.08M	23.17M
Policy Cost	—	—	—	21.69M	19.43M
Provision for Bad Debts	—	—	—	-0.79M	-2.47M
D&A For EBITDA	1.07M	0.76M	0.68M	0.42M	0.22M
Deferred Policy Acquisition Cost	—	—	—	6.43M	5.63M
Profitability & Returns
EBIT	20.84M	31.99M	18.42M	13.54M	36.82M
EBIT Margin	+11.6%	+19.4%	+8.0%	+10.2%	+30.3%
EBITDA	21.91M	32.76M	19.09M	13.96M	37.05M
EBITDA Margin	+12.1%	+19.9%	+8.3%	+10.5%	+30.5%
Pretax Income	21.66M	32.30M	19.69M	13.54M	36.82M
Opinc Insurance	20.84M	31.99M	18.42M	13.54M	36.82M
Operating Margin	+11.6%	+19.4%	+8.0%	+10.2%	+30.3%
Profit Margin	+9.0%	+15.1%	+5.5%	+5.4%	+24.9%
Net Income	16.29M	24.82M	12.54M	7.16M	30.29M
Net Income to Common	16.29M	24.82M	12.54M	7.16M	30.29M
Net Income Growth	-34.4%	+97.9%	+75.1%	-76.4%	+3.2%
Income Tax Expense	5.36M	7.48M	7.15M	6.37M	6.53M
Effective Tax Rate	+24.8%	+23.2%	+36.3%	+47.1%	+17.7%
Per Share & Capital
EPS (Basic)	0.41	0.62	0.31	0.18	0.76
EPS (Diluted)	0.41	0.62	0.31	0.18	0.76
EPS Growth	-34.7%	+97.9%	+75.1%	-76.4%	+3.2%
Shares Outstanding (Basic)	40.00M	40.00M	40.00M	40.00M	40.00M
Shares Outstanding (Diluted)	40.00M	40.00M	40.00M	40.00M	40.00M
Free Cash Flow	12.64M	35.81M	23.97M	-0.86M	27.13M
Free Cash Flow Margin	+7.0%	+21.7%	+10.5%	-0.6%	+22.3%
Free Cash Flow Per Share	0.32	0.90	0.60	-0.02	0.68
Supplemental
Total Interest Dividend Income	15.72M	14.12M	8.55M	5.79M	7.54M