ENAYA

Saudi Enaya Cooperative Insurance Company

8311StocksTadawulHealthcare

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	247.78M	270.74M	237.30M	166.39M	182.05M
Operating Expenses	274.14M	250.05M	244.46M	224.37M	213.96M
Pretax Income	-26.35M	20.68M	-4.91M	-57.99M	-31.91M
Income Tax	0.41M	0.46M	1.45M	3.99M	-3.50M
Net Income	-26.76M	20.22M	-6.36M	-61.97M	-28.41M
Premium Revenue	233.51M	250.88M	226.93M	157.30M	177.08M
Policy Benefits	258.48M	236.20M	233.78M	162.48M	150.99M
Policy Cost	—	—	—	7.60M	5.92M
EPS (Basic)	-1.16	0.88	-0.47	-6.20	-2.84
EPS (Diluted)	-1.16	0.88	-0.47	-6.20	-2.84
Margins & Efficiency
Net Margin %	-10.8%	+7.5%	-2.7%	-37.2%	-15.6%
Revenue & Income
Revenue Growth (YoY)	-8.5%	+14.1%	+42.6%	-8.6%	+101.7%
Revenue Insurance	247.78M	270.74M	237.30M	166.39M	182.05M
Premiums Annuity Rev	233.51M	250.88M	226.93M	157.30M	177.08M
Other Revenue Insurance	0.90M	5.01M	5.05M	3.59M	4.56M
Gain Investment Rev Insurance	—	—	0.13M	5.50M	0.30M
Expenses & Provisions
SG&A Insurance	—	—	—	47.95M	55.82M
Other Opex Insurance	15.73M	14.63M	10.33M	8.96M	1.06M
Total Opex Insurance	274.14M	250.05M	244.46M	224.37M	213.96M
Other Non Operating Income (Expenses)	—	—	2.25M	—	—
Policy Benefits	258.48M	236.20M	233.78M	162.48M	150.99M
Policy Cost	—	—	—	7.60M	5.92M
Provision for Bad Debts	-0.07M	-0.77M	0.35M	-2.62M	0.18M
D&A For EBITDA	1.20M	1.18M	1.11M	1.58M	1.51M
Deferred Policy Acquisition Cost	—	—	—	6.93M	3.23M
Profitability & Returns
EBIT	-26.35M	20.68M	-7.16M	-57.99M	-31.91M
EBIT Margin	-10.6%	+7.6%	-3.0%	-34.9%	-17.5%
EBITDA	-25.15M	21.86M	-6.05M	-56.40M	-30.40M
EBITDA Margin	-10.2%	+8.1%	-2.5%	-33.9%	-16.7%
Pretax Income	-26.35M	20.68M	-4.91M	-57.99M	-31.91M
Opinc Insurance	-26.35M	20.68M	-7.16M	-57.99M	-31.91M
Operating Margin	-10.6%	+7.6%	-3.0%	-34.9%	-17.5%
Profit Margin	-10.8%	+7.5%	-2.7%	-37.2%	-15.6%
Net Income	-26.76M	20.22M	-6.36M	-61.97M	-28.41M
Net Income to Common	-26.76M	20.22M	-6.36M	-61.97M	-28.41M
Income Tax Expense	0.41M	0.46M	1.45M	3.99M	-3.50M
Effective Tax Rate	—	+2.2%	—	—	—
Per Share & Capital
EPS (Basic)	-1.16	0.88	-0.47	-6.20	-2.84
EPS (Diluted)	-1.16	0.88	-0.47	-6.20	-2.84
Shares Change (YoY)	—	0.69	0.36	—	0.02
Shares Outstanding (Basic)	23.00M	23.00M	13.64M	10.00M	10.00M
Shares Outstanding (Diluted)	23.00M	23.00M	13.64M	10.00M	10.00M
Free Cash Flow	-45.78M	-19.12M	-52.45M	9.63M	-23.58M
Free Cash Flow Margin	-18.5%	-7.1%	-22.1%	+5.8%	-13.0%
Free Cash Flow Per Share	-1.99	-0.83	-3.85	0.96	-2.36
Supplemental
Total Interest Dividend Income	13.37M	14.85M	5.19M	—	0.11M

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	247.78M	270.74M	237.30M	166.39M	182.05M
Operating Expenses	274.14M	250.05M	244.46M	224.37M	213.96M
Pretax Income	-26.35M	20.68M	-4.91M	-57.99M	-31.91M
Income Tax	0.41M	0.46M	1.45M	3.99M	-3.50M
Net Income	-26.76M	20.22M	-6.36M	-61.97M	-28.41M
Premium Revenue	233.51M	250.88M	226.93M	157.30M	177.08M
Policy Benefits	258.48M	236.20M	233.78M	162.48M	150.99M
Policy Cost	—	—	—	7.60M	5.92M
EPS (Basic)	-1.16	0.88	-0.47	-6.20	-2.84
EPS (Diluted)	-1.16	0.88	-0.47	-6.20	-2.84
Margins & Efficiency
Net Margin %	-10.8%	+7.5%	-2.7%	-37.2%	-15.6%
Revenue & Income
Revenue Growth (YoY)	-8.5%	+14.1%	+42.6%	-8.6%	+101.7%
Revenue Insurance	247.78M	270.74M	237.30M	166.39M	182.05M
Premiums Annuity Rev	233.51M	250.88M	226.93M	157.30M	177.08M
Other Revenue Insurance	0.90M	5.01M	5.05M	3.59M	4.56M
Gain Investment Rev Insurance	—	—	0.13M	5.50M	0.30M
Expenses & Provisions
SG&A Insurance	—	—	—	47.95M	55.82M
Other Opex Insurance	15.73M	14.63M	10.33M	8.96M	1.06M
Total Opex Insurance	274.14M	250.05M	244.46M	224.37M	213.96M
Other Non Operating Income (Expenses)	—	—	2.25M	—	—
Policy Benefits	258.48M	236.20M	233.78M	162.48M	150.99M
Policy Cost	—	—	—	7.60M	5.92M
Provision for Bad Debts	-0.07M	-0.77M	0.35M	-2.62M	0.18M
D&A For EBITDA	1.20M	1.18M	1.11M	1.58M	1.51M
Deferred Policy Acquisition Cost	—	—	—	6.93M	3.23M
Profitability & Returns
EBIT	-26.35M	20.68M	-7.16M	-57.99M	-31.91M
EBIT Margin	-10.6%	+7.6%	-3.0%	-34.9%	-17.5%
EBITDA	-25.15M	21.86M	-6.05M	-56.40M	-30.40M
EBITDA Margin	-10.2%	+8.1%	-2.5%	-33.9%	-16.7%
Pretax Income	-26.35M	20.68M	-4.91M	-57.99M	-31.91M
Opinc Insurance	-26.35M	20.68M	-7.16M	-57.99M	-31.91M
Operating Margin	-10.6%	+7.6%	-3.0%	-34.9%	-17.5%
Profit Margin	-10.8%	+7.5%	-2.7%	-37.2%	-15.6%
Net Income	-26.76M	20.22M	-6.36M	-61.97M	-28.41M
Net Income to Common	-26.76M	20.22M	-6.36M	-61.97M	-28.41M
Income Tax Expense	0.41M	0.46M	1.45M	3.99M	-3.50M
Effective Tax Rate	—	+2.2%	—	—	—
Per Share & Capital
EPS (Basic)	-1.16	0.88	-0.47	-6.20	-2.84
EPS (Diluted)	-1.16	0.88	-0.47	-6.20	-2.84
Shares Change (YoY)	—	0.69	0.36	—	0.02
Shares Outstanding (Basic)	23.00M	23.00M	13.64M	10.00M	10.00M
Shares Outstanding (Diluted)	23.00M	23.00M	13.64M	10.00M	10.00M
Free Cash Flow	-45.78M	-19.12M	-52.45M	9.63M	-23.58M
Free Cash Flow Margin	-18.5%	-7.1%	-22.1%	+5.8%	-13.0%
Free Cash Flow Per Share	-1.99	-0.83	-3.85	0.96	-2.36
Supplemental
Total Interest Dividend Income	13.37M	14.85M	5.19M	—	0.11M