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
Operating Summary
Revenue	1.61B	1.57B	1.67B	1.55B	1.37B
Operating Expenses	1.42B	1.40B	1.47B	1.50B	1.20B
Pretax Income	155.49M	125.45M	155.37M	33.42M	166.73M
Income Tax	29.30M	27.26M	26.84M	17.51M	28.21M
Net Income	126.19M	98.20M	128.53M	15.91M	138.52M
Premium Revenue	1.50B	1.46B	1.56B	1.48B	1.28B
Policy Benefits	1.39B	1.36B	1.45B	1.50B	0.89B
Policy Cost	—	—	—	—	129.19M
EPS (Basic)	2.40	1.87	2.45	0.30	2.64
EPS (Diluted)	2.40	1.87	2.45	0.30	2.64
DPS	—	1.20	1.50	0.48	0.95
Margins & Efficiency
Net Margin %	+7.9%	+6.2%	+7.7%	+1.0%	+10.1%
Revenue & Income
Revenue Growth (YoY)	+2.2%	-5.9%	+8.0%	+13.1%	+2.1%
Revenue Insurance	1.61B	1.57B	1.67B	1.55B	1.37B
Premiums Annuity Rev	1.50B	1.46B	1.56B	1.48B	1.28B
Other Revenue Insurance	—	—	—	—	81.08M
Gain Investment Rev Insurance	4.52M	-0.48M	6.96M	-3.93M	4.31M
Expenses & Provisions
SG&A Insurance	—	—	—	—	168.91M
Other Opex Insurance	38.69M	43.05M	11.63M	—	16.03M
Total Opex Insurance	1.42B	1.40B	1.47B	1.50B	1.20B
Interest Expense	-25.02M	-45.97M	-48.56M	—	-0.81M
Other Non Operating Income (Expenses)	0.25M	1.32M	0.29M	-15.15M	—
Policy Benefits	1.39B	1.36B	1.45B	1.50B	0.89B
Policy Cost	—	—	—	—	129.19M
D&A For EBITDA	3.40M	5.61M	8.27M	6.29M	6.81M
Deferred Policy Acquisition Cost	—	—	—	—	49.31M
Profitability & Returns
EBIT	180.26M	170.10M	203.63M	48.57M	167.54M
EBIT Margin	+11.2%	+10.8%	+12.2%	+3.1%	+12.3%
EBITDA	183.65M	175.71M	211.90M	54.86M	174.35M
EBITDA Margin	+11.4%	+11.2%	+12.7%	+3.5%	+12.8%
Pretax Income	155.49M	125.45M	155.37M	33.42M	166.73M
Opinc Insurance	180.26M	170.10M	203.63M	48.57M	167.54M
Operating Margin	+11.2%	+10.8%	+12.2%	+3.1%	+12.3%
Profit Margin	+7.9%	+6.2%	+7.7%	+1.0%	+10.1%
Net Income	126.19M	98.20M	128.53M	15.91M	138.52M
Net Income to Common	126.19M	98.20M	128.53M	15.91M	138.52M
Net Income Growth	+28.5%	-23.6%	+707.7%	-88.5%	0.0%
Income Tax Expense	29.30M	27.26M	26.84M	17.51M	28.21M
Effective Tax Rate	+18.8%	+21.7%	+17.3%	+52.4%	+16.9%
Per Share & Capital
EPS (Basic)	2.40	1.87	2.45	0.30	2.64
EPS (Diluted)	2.40	1.87	2.45	0.30	2.64
EPS Growth	+28.5%	-23.6%	+707.7%	-88.5%	—
Dividend Per Share	—	1.20	1.50	0.48	0.95
Shares Outstanding (Basic)	52.50M	52.50M	52.50M	52.50M	52.50M
Shares Outstanding (Diluted)	52.50M	52.50M	52.50M	52.50M	52.50M
Dividend Growth	—	-20.0%	+215.0%	-50.0%	—
Free Cash Flow	60.33M	69.43M	176.48M	76.95M	108.82M
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
Payout Ratio	+49.9%	+80.2%	+19.5%	+314.2%	—
Supplemental
Total Interest Dividend Income	96.89M	108.22M	97.95M	69.70M	—

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	1.61B	1.57B	1.67B	1.55B	1.37B
Operating Expenses	1.42B	1.40B	1.47B	1.50B	1.20B
Pretax Income	155.49M	125.45M	155.37M	33.42M	166.73M
Income Tax	29.30M	27.26M	26.84M	17.51M	28.21M
Net Income	126.19M	98.20M	128.53M	15.91M	138.52M
Premium Revenue	1.50B	1.46B	1.56B	1.48B	1.28B
Policy Benefits	1.39B	1.36B	1.45B	1.50B	0.89B
Policy Cost	—	—	—	—	129.19M
EPS (Basic)	2.40	1.87	2.45	0.30	2.64
EPS (Diluted)	2.40	1.87	2.45	0.30	2.64
DPS	—	1.20	1.50	0.48	0.95
Margins & Efficiency
Net Margin %	+7.9%	+6.2%	+7.7%	+1.0%	+10.1%
Revenue & Income
Revenue Growth (YoY)	+2.2%	-5.9%	+8.0%	+13.1%	+2.1%
Revenue Insurance	1.61B	1.57B	1.67B	1.55B	1.37B
Premiums Annuity Rev	1.50B	1.46B	1.56B	1.48B	1.28B
Other Revenue Insurance	—	—	—	—	81.08M
Gain Investment Rev Insurance	4.52M	-0.48M	6.96M	-3.93M	4.31M
Expenses & Provisions
SG&A Insurance	—	—	—	—	168.91M
Other Opex Insurance	38.69M	43.05M	11.63M	—	16.03M
Total Opex Insurance	1.42B	1.40B	1.47B	1.50B	1.20B
Interest Expense	-25.02M	-45.97M	-48.56M	—	-0.81M
Other Non Operating Income (Expenses)	0.25M	1.32M	0.29M	-15.15M	—
Policy Benefits	1.39B	1.36B	1.45B	1.50B	0.89B
Policy Cost	—	—	—	—	129.19M
D&A For EBITDA	3.40M	5.61M	8.27M	6.29M	6.81M
Deferred Policy Acquisition Cost	—	—	—	—	49.31M
Profitability & Returns
EBIT	180.26M	170.10M	203.63M	48.57M	167.54M
EBIT Margin	+11.2%	+10.8%	+12.2%	+3.1%	+12.3%
EBITDA	183.65M	175.71M	211.90M	54.86M	174.35M
EBITDA Margin	+11.4%	+11.2%	+12.7%	+3.5%	+12.8%
Pretax Income	155.49M	125.45M	155.37M	33.42M	166.73M
Opinc Insurance	180.26M	170.10M	203.63M	48.57M	167.54M
Operating Margin	+11.2%	+10.8%	+12.2%	+3.1%	+12.3%
Profit Margin	+7.9%	+6.2%	+7.7%	+1.0%	+10.1%
Net Income	126.19M	98.20M	128.53M	15.91M	138.52M
Net Income to Common	126.19M	98.20M	128.53M	15.91M	138.52M
Net Income Growth	+28.5%	-23.6%	+707.7%	-88.5%	0.0%
Income Tax Expense	29.30M	27.26M	26.84M	17.51M	28.21M
Effective Tax Rate	+18.8%	+21.7%	+17.3%	+52.4%	+16.9%
Per Share & Capital
EPS (Basic)	2.40	1.87	2.45	0.30	2.64
EPS (Diluted)	2.40	1.87	2.45	0.30	2.64
EPS Growth	+28.5%	-23.6%	+707.7%	-88.5%	—
Dividend Per Share	—	1.20	1.50	0.48	0.95
Shares Outstanding (Basic)	52.50M	52.50M	52.50M	52.50M	52.50M
Shares Outstanding (Diluted)	52.50M	52.50M	52.50M	52.50M	52.50M
Dividend Growth	—	-20.0%	+215.0%	-50.0%	—
Free Cash Flow	60.33M	69.43M	176.48M	76.95M	108.82M
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
Payout Ratio	+49.9%	+80.2%	+19.5%	+314.2%	—
Supplemental
Total Interest Dividend Income	96.89M	108.22M	97.95M	69.70M	—