AMANA INSURANCE

Amana Cooperative Insurance Co.

8310StocksTadawulInsurance

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	225.41M	184.03M	213.88M	242.33M	258.30M
Operating Expenses	209.13M	153.31M	258.62M	363.56M	315.37M
Pretax Income	16.28M	30.72M	-44.73M	-121.41M	-57.27M
Income Tax	4.25M	5.28M	3.45M	-2.27M	4.56M
Net Income	12.03M	25.44M	-48.18M	-119.14M	-61.84M
Premium Revenue	209.17M	178.46M	210.11M	235.40M	236.23M
Policy Benefits	197.50M	160.92M	255.64M	258.01M	205.53M
Policy Cost	—	—	—	28.91M	25.71M
EPS (Basic)	0.28	0.59	-1.70	-9.16	-4.76
EPS (Diluted)	0.28	0.59	-1.70	-9.16	-4.76
Margins & Efficiency
Net Margin %	+5.3%	+13.8%	-22.5%	-49.2%	-23.9%
Revenue & Income
Revenue Growth (YoY)	+22.5%	-14.0%	-11.7%	-6.2%	+22.8%
Revenue Insurance	225.41M	184.03M	213.88M	242.33M	258.30M
Premiums Annuity Rev	209.17M	178.46M	210.11M	235.40M	236.23M
Other Revenue Insurance	—	—	—	1.28M	13.54M
Gain Investment Rev Insurance	3.06M	-0.09M	-0.01M	0.46M	2.22M
Expenses & Provisions
SG&A Insurance	0.93M	0.82M	0.76M	59.71M	45.60M
Other Opex Insurance	10.70M	-8.43M	2.22M	11.43M	15.35M
Total Opex Insurance	209.13M	153.31M	258.62M	363.56M	315.37M
Policy Benefits	197.50M	160.92M	255.64M	258.01M	205.53M
Policy Cost	—	—	—	28.91M	25.71M
Provision for Bad Debts	—	—	—	5.50M	23.18M
Legal Settlements	—	—	—	-179.00K	-206.00K
D&A For EBITDA	1.48M	1.81M	1.94M	1.92M	1.90M
Deferred Policy Acquisition Cost	—	—	—	12.61M	11.01M
Profitability & Returns
EBIT	16.28M	30.72M	-44.73M	-121.23M	-57.07M
EBIT Margin	+7.2%	+16.7%	-20.9%	-50.0%	-22.1%
EBITDA	17.76M	32.53M	-42.80M	-119.31M	-55.17M
EBITDA Margin	+7.9%	+17.7%	-20.0%	-49.2%	-21.4%
EBT Excluding Unusual Items	16.28M	30.72M	-44.73M	-121.23M	-57.07M
Pretax Income	16.28M	30.72M	-44.73M	-121.41M	-57.27M
Opinc Insurance	16.28M	30.72M	-44.73M	-121.23M	-57.07M
Operating Margin	+7.2%	+16.7%	-20.9%	-50.0%	-22.1%
Profit Margin	+5.3%	+13.8%	-22.5%	-49.2%	-23.9%
Net Income	12.03M	25.44M	-48.18M	-119.14M	-61.84M
Net Income to Common	12.03M	25.44M	-48.18M	-119.14M	-61.84M
Net Income Growth	-52.7%	—	—	—	—
Income Tax Expense	4.25M	5.28M	3.45M	-2.27M	4.56M
Effective Tax Rate	+26.1%	+17.2%	—	—	—
Per Share & Capital
EPS (Basic)	0.28	0.59	-1.70	-9.16	-4.76
EPS (Diluted)	0.28	0.59	-1.70	-9.16	-4.76
EPS Growth	-52.7%	—	—	—	—
Shares Change (YoY)	—	0.52	1.18	—	—
Shares Outstanding (Basic)	43.00M	43.00M	28.33M	13.00M	13.00M
Shares Outstanding (Diluted)	43.00M	43.00M	28.33M	13.00M	13.00M
Free Cash Flow	16.42M	-3.89M	-94.51M	-137.36M	-23.60M
Free Cash Flow Margin	+7.3%	-2.1%	-44.2%	-56.7%	-9.1%
Free Cash Flow Per Share	0.38	-0.09	-3.34	-10.57	-1.82
Supplemental
Total Interest Dividend Income	13.17M	5.65M	3.78M	5.20M	6.31M

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	225.41M	184.03M	213.88M	242.33M	258.30M
Operating Expenses	209.13M	153.31M	258.62M	363.56M	315.37M
Pretax Income	16.28M	30.72M	-44.73M	-121.41M	-57.27M
Income Tax	4.25M	5.28M	3.45M	-2.27M	4.56M
Net Income	12.03M	25.44M	-48.18M	-119.14M	-61.84M
Premium Revenue	209.17M	178.46M	210.11M	235.40M	236.23M
Policy Benefits	197.50M	160.92M	255.64M	258.01M	205.53M
Policy Cost	—	—	—	28.91M	25.71M
EPS (Basic)	0.28	0.59	-1.70	-9.16	-4.76
EPS (Diluted)	0.28	0.59	-1.70	-9.16	-4.76
Margins & Efficiency
Net Margin %	+5.3%	+13.8%	-22.5%	-49.2%	-23.9%
Revenue & Income
Revenue Growth (YoY)	+22.5%	-14.0%	-11.7%	-6.2%	+22.8%
Revenue Insurance	225.41M	184.03M	213.88M	242.33M	258.30M
Premiums Annuity Rev	209.17M	178.46M	210.11M	235.40M	236.23M
Other Revenue Insurance	—	—	—	1.28M	13.54M
Gain Investment Rev Insurance	3.06M	-0.09M	-0.01M	0.46M	2.22M
Expenses & Provisions
SG&A Insurance	0.93M	0.82M	0.76M	59.71M	45.60M
Other Opex Insurance	10.70M	-8.43M	2.22M	11.43M	15.35M
Total Opex Insurance	209.13M	153.31M	258.62M	363.56M	315.37M
Policy Benefits	197.50M	160.92M	255.64M	258.01M	205.53M
Policy Cost	—	—	—	28.91M	25.71M
Provision for Bad Debts	—	—	—	5.50M	23.18M
Legal Settlements	—	—	—	-179.00K	-206.00K
D&A For EBITDA	1.48M	1.81M	1.94M	1.92M	1.90M
Deferred Policy Acquisition Cost	—	—	—	12.61M	11.01M
Profitability & Returns
EBIT	16.28M	30.72M	-44.73M	-121.23M	-57.07M
EBIT Margin	+7.2%	+16.7%	-20.9%	-50.0%	-22.1%
EBITDA	17.76M	32.53M	-42.80M	-119.31M	-55.17M
EBITDA Margin	+7.9%	+17.7%	-20.0%	-49.2%	-21.4%
EBT Excluding Unusual Items	16.28M	30.72M	-44.73M	-121.23M	-57.07M
Pretax Income	16.28M	30.72M	-44.73M	-121.41M	-57.27M
Opinc Insurance	16.28M	30.72M	-44.73M	-121.23M	-57.07M
Operating Margin	+7.2%	+16.7%	-20.9%	-50.0%	-22.1%
Profit Margin	+5.3%	+13.8%	-22.5%	-49.2%	-23.9%
Net Income	12.03M	25.44M	-48.18M	-119.14M	-61.84M
Net Income to Common	12.03M	25.44M	-48.18M	-119.14M	-61.84M
Net Income Growth	-52.7%	—	—	—	—
Income Tax Expense	4.25M	5.28M	3.45M	-2.27M	4.56M
Effective Tax Rate	+26.1%	+17.2%	—	—	—
Per Share & Capital
EPS (Basic)	0.28	0.59	-1.70	-9.16	-4.76
EPS (Diluted)	0.28	0.59	-1.70	-9.16	-4.76
EPS Growth	-52.7%	—	—	—	—
Shares Change (YoY)	—	0.52	1.18	—	—
Shares Outstanding (Basic)	43.00M	43.00M	28.33M	13.00M	13.00M
Shares Outstanding (Diluted)	43.00M	43.00M	28.33M	13.00M	13.00M
Free Cash Flow	16.42M	-3.89M	-94.51M	-137.36M	-23.60M
Free Cash Flow Margin	+7.3%	-2.1%	-44.2%	-56.7%	-9.1%
Free Cash Flow Per Share	0.38	-0.09	-3.34	-10.57	-1.82
Supplemental
Total Interest Dividend Income	13.17M	5.65M	3.78M	5.20M	6.31M