WATANIYA

Wataniya Insurance Co.

8300StocksTadawulInsurance

Financials

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	516.00M	508.80M	980.80M	730.40M	541.60M
Market Cap Growth	-25.1%	-48.1%	+34.3%	+34.9%	-33.6%
Enterprise Value	342.13M	495.88M	965.47M	685.69M	481.08M
Last Close Price	12.90	12.72	24.52	18.26	13.54
Valuation Multiples
PE Ratio	25.00	13.72	9.52	8.64	—
PS Ratio	0.25	0.27	0.53	0.51	0.98
PB Ratio	0.80	0.77	1.61	1.50	1.35
P/TBV Ratio	0.83	0.81	1.70	1.62	1.51
P/FCF Ratio	2.93	—	4.05	1.84	10.96
P/OCF Ratio	2.86	—	3.94	1.84	9.45
EV/Sales Ratio	0.16	0.26	0.52	0.48	0.87
EV/EBITDA Ratio	8.71	8.98	7.89	6.69	—
EV/EBIT Ratio	10.76	10.02	8.27	7.11	—
EV/FCF Ratio	1.95	—	3.99	1.73	9.74
Leverage & Capital
Debt / Equity Ratio	0.02	0.00	0.01	—	—
Debt / EBITDA Ratio	0.26	0.05	0.04	—	—
Debt / FCF Ratio	0.06	—	0.02	—	—
Net Debt / Equity Ratio	-0.27	-0.15	-0.08	-0.05	-0.18
Net Debt / EBITDA Ratio	-4.72	-1.79	-0.40	-0.22	3.87
Net Debt / FCF Ratio	-0.99	1.46	-0.20	-0.06	-1.43
Efficiency & Liquidity
Asset Turnover	0.95	0.91	0.93	0.90	0.41
Quick Ratio	1.47	1.48	1.46	19.86	16.14
Current Ratio	2.00	2.11	2.12	32.13	31.04
Returns & Yields
Return on Equity (ROE)	+3.3%	+5.9%	+18.8%	+19.0%	-9.1%
Return on Assets (ROA)	+0.9%	+1.5%	+3.7%	+3.8%	-1.1%
Return on Invested Capital (ROIC)	+3.1%	+5.8%	+18.6%	+19.0%	-7.4%
Earnings Yield	+4.0%	+7.3%	+10.5%	+11.6%	-5.1%
FCF Yield	+34.1%	-13.3%	+24.7%	+54.3%	+9.1%
Buyback Yield / Dilution	—	—	—	-7.4%	-85.9%

1-5

	CurrentMar 10, 2026	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022
Market & Price
Market Capitalization	516.00M	508.80M	980.80M	730.40M	541.60M
Market Cap Growth	-25.1%	-48.1%	+34.3%	+34.9%	-33.6%
Enterprise Value	342.13M	495.88M	965.47M	685.69M	481.08M
Last Close Price	12.90	12.72	24.52	18.26	13.54
Valuation Multiples
PE Ratio	25.00	13.72	9.52	8.64	—
PS Ratio	0.25	0.27	0.53	0.51	0.98
PB Ratio	0.80	0.77	1.61	1.50	1.35
P/TBV Ratio	0.83	0.81	1.70	1.62	1.51
P/FCF Ratio	2.93	—	4.05	1.84	10.96
P/OCF Ratio	2.86	—	3.94	1.84	9.45
EV/Sales Ratio	0.16	0.26	0.52	0.48	0.87
EV/EBITDA Ratio	8.71	8.98	7.89	6.69	—
EV/EBIT Ratio	10.76	10.02	8.27	7.11	—
EV/FCF Ratio	1.95	—	3.99	1.73	9.74
Leverage & Capital
Debt / Equity Ratio	0.02	0.00	0.01	—	—
Debt / EBITDA Ratio	0.26	0.05	0.04	—	—
Debt / FCF Ratio	0.06	—	0.02	—	—
Net Debt / Equity Ratio	-0.27	-0.15	-0.08	-0.05	-0.18
Net Debt / EBITDA Ratio	-4.72	-1.79	-0.40	-0.22	3.87
Net Debt / FCF Ratio	-0.99	1.46	-0.20	-0.06	-1.43
Efficiency & Liquidity
Asset Turnover	0.95	0.91	0.93	0.90	0.41
Quick Ratio	1.47	1.48	1.46	19.86	16.14
Current Ratio	2.00	2.11	2.12	32.13	31.04
Returns & Yields
Return on Equity (ROE)	+3.3%	+5.9%	+18.8%	+19.0%	-9.1%
Return on Assets (ROA)	+0.9%	+1.5%	+3.7%	+3.8%	-1.1%
Return on Invested Capital (ROIC)	+3.1%	+5.8%	+18.6%	+19.0%	-7.4%
Earnings Yield	+4.0%	+7.3%	+10.5%	+11.6%	-5.1%
FCF Yield	+34.1%	-13.3%	+24.7%	+54.3%	+9.1%
Buyback Yield / Dilution	—	—	—	-7.4%	-85.9%