GIG

Gulf Insurance Group - GIG

8250StocksTadawulInsurance

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
Operations
Operating Cash Flow	63.75M	71.17M	178.48M	78.94M	113.45M
Free Cash Flow	60.33M	69.43M	176.48M	76.95M	108.82M
Capital Expenditures	-3.42M	-1.75M	-2.00M	-2.00M	-4.62M
Investing & Financing
Investing Cash Flow	-63.66M	-61.75M	-253.16M	218.59M	-351.78M
Financing Cash Flow	-65.54M	-82.31M	-31.12M	-52.47M	-3.18M
Dividends Paid	-63.00M	-78.75M	-25.00M	-50.00M	—
Operating Activities
Operating Cash Flow	63.75M	71.17M	178.48M	78.94M	113.45M
Net Income	126.19M	98.20M	128.53M	15.91M	138.52M
Change Accounts Receivable Insurance	—	—	—	—	-89.44M
Change in Unearned Revenue	—	—	—	—	24.78M
Change in Working Capital	-96.93M	-69.88M	-22.91M	50.71M	-56.43M
Change Insurance Reserves Liabilities	170.49M	-274.26M	146.14M	-44.90M	34.32M
Change Other Net Oper Assets Insurance	-61.95M	37.13M	2.13M	-17.34M	-11.30M
Other Operating Activities Insurance	23.79M	25.05M	56.69M	-4.00M	15.80M
Depreciation & Amortization	7.02M	9.14M	11.54M	8.94M	9.46M
Other Amortization	8.21M	8.19M	11.59M	3.46M	5.52M
Stock-Based Compensation	—	—	—	—	1.38M
Cash Interest Paid	1.46M	1.63M	0.98M	0.72M	0.81M
Cash Income Tax Paid	12.88M	9.45M	5.66M	9.80M	—
Reinsurance Recoverable CF	-206.43M	166.22M	-171.18M	112.95M	-29.83M
Investing Activities
Investing Cash Flow	-63.66M	-61.75M	-253.16M	218.59M	-351.78M
Capex Insurance	-3.42M	-1.75M	-2.00M	-2.00M	-4.62M
Investment in Securities	-11.40M	-162.96M	-151.25M	148.09M	-338.21M
Other Investing Activities	-40.48M	107.08M	-93.66M	95.72M	—
Sale Of Intangibles Insurance	-8.35M	-4.12M	-6.25M	-23.23M	-8.95M
Loss (Gain) on Sale of Investments	-4.52M	0.48M	-6.96M	3.93M	-4.75M
Financing Activities
Financing Cash Flow	-65.54M	-82.31M	-31.12M	-52.47M	-3.18M
Common Dividends Paid	-63.00M	-78.75M	-25.00M	-50.00M	—
Long-Term Debt Repaid	-2.54M	-3.56M	-3.62M	-2.47M	-2.37M
Net Debt Issued Insurance	-2.54M	-3.56M	-3.62M	-2.47M	-2.37M
Other Financing Activities Insurance	—	—	-2.50M	—	-0.81M
Total Debt Repaid Insurance	-2.54M	-3.56M	-3.62M	-2.47M	-2.37M
Free Cash Flow & Returns
Free Cash Flow	60.33M	69.43M	176.48M	76.95M	108.82M
Free Cash Flow Growth	-13.1%	-60.7%	+129.3%	-29.3%	-57.9%
Free Cash Flow Margin	+3.8%	+4.4%	+10.6%	+5.0%	+8.0%
Free Cash Flow Per Share	1.15	1.32	3.36	1.47	2.07
Levered Free Cash Flow	-0.14B	0.26B	0.04B	-1.29B	-0.01B
Unlevered Free Cash Flow	-0.13B	0.29B	0.07B	-1.29B	-0.01B
Operating Cash Flow Growth	-10.4%	-60.1%	+126.1%	-30.4%	-58.8%
Net Cash Flow	-65.44M	-72.88M	-105.80M	245.07M	-241.52M

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
Operations
Operating Cash Flow	63.75M	71.17M	178.48M	78.94M	113.45M
Free Cash Flow	60.33M	69.43M	176.48M	76.95M	108.82M
Capital Expenditures	-3.42M	-1.75M	-2.00M	-2.00M	-4.62M
Investing & Financing
Investing Cash Flow	-63.66M	-61.75M	-253.16M	218.59M	-351.78M
Financing Cash Flow	-65.54M	-82.31M	-31.12M	-52.47M	-3.18M
Dividends Paid	-63.00M	-78.75M	-25.00M	-50.00M	—
Operating Activities
Operating Cash Flow	63.75M	71.17M	178.48M	78.94M	113.45M
Net Income	126.19M	98.20M	128.53M	15.91M	138.52M
Change Accounts Receivable Insurance	—	—	—	—	-89.44M
Change in Unearned Revenue	—	—	—	—	24.78M
Change in Working Capital	-96.93M	-69.88M	-22.91M	50.71M	-56.43M
Change Insurance Reserves Liabilities	170.49M	-274.26M	146.14M	-44.90M	34.32M
Change Other Net Oper Assets Insurance	-61.95M	37.13M	2.13M	-17.34M	-11.30M
Other Operating Activities Insurance	23.79M	25.05M	56.69M	-4.00M	15.80M
Depreciation & Amortization	7.02M	9.14M	11.54M	8.94M	9.46M
Other Amortization	8.21M	8.19M	11.59M	3.46M	5.52M
Stock-Based Compensation	—	—	—	—	1.38M
Cash Interest Paid	1.46M	1.63M	0.98M	0.72M	0.81M
Cash Income Tax Paid	12.88M	9.45M	5.66M	9.80M	—
Reinsurance Recoverable CF	-206.43M	166.22M	-171.18M	112.95M	-29.83M
Investing Activities
Investing Cash Flow	-63.66M	-61.75M	-253.16M	218.59M	-351.78M
Capex Insurance	-3.42M	-1.75M	-2.00M	-2.00M	-4.62M
Investment in Securities	-11.40M	-162.96M	-151.25M	148.09M	-338.21M
Other Investing Activities	-40.48M	107.08M	-93.66M	95.72M	—
Sale Of Intangibles Insurance	-8.35M	-4.12M	-6.25M	-23.23M	-8.95M
Loss (Gain) on Sale of Investments	-4.52M	0.48M	-6.96M	3.93M	-4.75M
Financing Activities
Financing Cash Flow	-65.54M	-82.31M	-31.12M	-52.47M	-3.18M
Common Dividends Paid	-63.00M	-78.75M	-25.00M	-50.00M	—
Long-Term Debt Repaid	-2.54M	-3.56M	-3.62M	-2.47M	-2.37M
Net Debt Issued Insurance	-2.54M	-3.56M	-3.62M	-2.47M	-2.37M
Other Financing Activities Insurance	—	—	-2.50M	—	-0.81M
Total Debt Repaid Insurance	-2.54M	-3.56M	-3.62M	-2.47M	-2.37M
Free Cash Flow & Returns
Free Cash Flow	60.33M	69.43M	176.48M	76.95M	108.82M
Free Cash Flow Growth	-13.1%	-60.7%	+129.3%	-29.3%	-57.9%
Free Cash Flow Margin	+3.8%	+4.4%	+10.6%	+5.0%	+8.0%
Free Cash Flow Per Share	1.15	1.32	3.36	1.47	2.07
Levered Free Cash Flow	-0.14B	0.26B	0.04B	-1.29B	-0.01B
Unlevered Free Cash Flow	-0.13B	0.29B	0.07B	-1.29B	-0.01B
Operating Cash Flow Growth	-10.4%	-60.1%	+126.1%	-30.4%	-58.8%
Net Cash Flow	-65.44M	-72.88M	-105.80M	245.07M	-241.52M