ENAYA

Saudi Enaya Cooperative Insurance Company

8311StocksTadawulHealthcare

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	33.80M	33.00M	37.11M	51.18M	58.16M
Operating Expenses	33.11M	35.10M	36.14M	49.33M	57.54M
Pretax Income	0.69M	-2.10M	0.98M	1.85M	0.62M
Income Tax	0.65M	6.01M	0.25M	1.68M	0.11M
Net Income	0.04M	-8.11M	0.73M	0.17M	0.51M
Premium Revenue	31.79M	31.23M	34.41M	49.04M	55.86M
Policy Benefits	30.80M	28.99M	32.87M	44.80M	53.04M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.00	-0.35	0.03	0.01	0.02
EPS (Diluted)	0.00	-0.35	0.03	0.01	0.02
Margins & Efficiency
Net Margin %	+0.1%	-24.6%	+2.0%	+0.3%	+0.9%
Revenue & Income
Revenue Growth (YoY)	-41.9%	-45.5%	-39.7%	-15.8%	-10.4%
Revenue Insurance	33.80M	33.00M	37.11M	51.18M	58.16M
Premiums Annuity Rev	31.79M	31.23M	34.41M	49.04M	55.86M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	—	—	—	—	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	2.31M	6.11M	3.27M	4.54M	4.51M
Total Opex Insurance	33.11M	35.10M	36.14M	49.33M	57.54M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	30.80M	28.99M	32.87M	44.80M	53.04M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	-0.01M
D&A For EBITDA	247.00K	235.00K	235.00K	259.00K	290.00K
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	0.69M	-2.10M	0.98M	1.85M	0.62M
EBIT Margin	+2.0%	-6.4%	+2.6%	+3.6%	+1.1%
EBITDA	0.94M	-1.87M	1.21M	2.11M	0.91M
EBITDA Margin	+2.8%	-5.7%	+3.3%	+4.1%	+1.6%
Pretax Income	0.69M	-2.10M	0.98M	1.85M	0.62M
Opinc Insurance	0.69M	-2.10M	0.98M	1.85M	0.62M
Operating Margin	+2.0%	-6.4%	+2.6%	+3.6%	+1.1%
Profit Margin	+0.1%	-24.6%	+2.0%	+0.3%	+0.9%
Net Income	0.04M	-8.11M	0.73M	0.17M	0.51M
Net Income to Common	0.04M	-8.11M	0.73M	0.17M	0.51M
Net Income Growth	-92.8%	—	—	-76.8%	—
Income Tax Expense	0.65M	6.01M	0.25M	1.68M	0.11M
Effective Tax Rate	+94.6%	—	+25.6%	+90.9%	+17.0%
Per Share & Capital
EPS (Basic)	0.00	-0.35	0.03	0.01	0.02
EPS (Diluted)	0.00	-0.35	0.03	0.01	0.02
EPS Growth	-92.8%	—	—	-76.8%	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	23.00M	23.00M	23.00M	23.00M	23.00M
Shares Outstanding (Diluted)	23.00M	23.00M	23.00M	23.00M	23.00M
Free Cash Flow	19.14M	-23.04M	2.96M	-11.76M	-6.73M
Free Cash Flow Margin	+56.6%	-69.8%	+8.0%	-23.0%	-11.6%
Free Cash Flow Per Share	0.83	-1.00	0.13	-0.51	-0.29
Supplemental
Total Interest Dividend Income	2.01M	1.77M	2.70M	2.14M	2.29M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (SAR)

1-5

	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Operating Summary
Revenue	33.80M	33.00M	37.11M	51.18M	58.16M
Operating Expenses	33.11M	35.10M	36.14M	49.33M	57.54M
Pretax Income	0.69M	-2.10M	0.98M	1.85M	0.62M
Income Tax	0.65M	6.01M	0.25M	1.68M	0.11M
Net Income	0.04M	-8.11M	0.73M	0.17M	0.51M
Premium Revenue	31.79M	31.23M	34.41M	49.04M	55.86M
Policy Benefits	30.80M	28.99M	32.87M	44.80M	53.04M
Policy Cost	—	—	—	—	—
EPS (Basic)	0.00	-0.35	0.03	0.01	0.02
EPS (Diluted)	0.00	-0.35	0.03	0.01	0.02
Margins & Efficiency
Net Margin %	+0.1%	-24.6%	+2.0%	+0.3%	+0.9%
Revenue & Income
Revenue Growth (YoY)	-41.9%	-45.5%	-39.7%	-15.8%	-10.4%
Revenue Insurance	33.80M	33.00M	37.11M	51.18M	58.16M
Premiums Annuity Rev	31.79M	31.23M	34.41M	49.04M	55.86M
Other Revenue Insurance	—	—	—	—	—
Gain Investment Rev Insurance	—	—	—	—	—
Expenses & Provisions
SG&A Insurance	—	—	—	—	—
Other Opex Insurance	2.31M	6.11M	3.27M	4.54M	4.51M
Total Opex Insurance	33.11M	35.10M	36.14M	49.33M	57.54M
Other Non Operating Income (Expenses)	—	—	—	—	—
Policy Benefits	30.80M	28.99M	32.87M	44.80M	53.04M
Policy Cost	—	—	—	—	—
Provision for Bad Debts	—	—	—	—	-0.01M
D&A For EBITDA	247.00K	235.00K	235.00K	259.00K	290.00K
Deferred Policy Acquisition Cost	—	—	—	—	—
Profitability & Returns
EBIT	0.69M	-2.10M	0.98M	1.85M	0.62M
EBIT Margin	+2.0%	-6.4%	+2.6%	+3.6%	+1.1%
EBITDA	0.94M	-1.87M	1.21M	2.11M	0.91M
EBITDA Margin	+2.8%	-5.7%	+3.3%	+4.1%	+1.6%
Pretax Income	0.69M	-2.10M	0.98M	1.85M	0.62M
Opinc Insurance	0.69M	-2.10M	0.98M	1.85M	0.62M
Operating Margin	+2.0%	-6.4%	+2.6%	+3.6%	+1.1%
Profit Margin	+0.1%	-24.6%	+2.0%	+0.3%	+0.9%
Net Income	0.04M	-8.11M	0.73M	0.17M	0.51M
Net Income to Common	0.04M	-8.11M	0.73M	0.17M	0.51M
Net Income Growth	-92.8%	—	—	-76.8%	—
Income Tax Expense	0.65M	6.01M	0.25M	1.68M	0.11M
Effective Tax Rate	+94.6%	—	+25.6%	+90.9%	+17.0%
Per Share & Capital
EPS (Basic)	0.00	-0.35	0.03	0.01	0.02
EPS (Diluted)	0.00	-0.35	0.03	0.01	0.02
EPS Growth	-92.8%	—	—	-76.8%	—
Shares Change (YoY)	—	—	—	—	—
Shares Outstanding (Basic)	23.00M	23.00M	23.00M	23.00M	23.00M
Shares Outstanding (Diluted)	23.00M	23.00M	23.00M	23.00M	23.00M
Free Cash Flow	19.14M	-23.04M	2.96M	-11.76M	-6.73M
Free Cash Flow Margin	+56.6%	-69.8%	+8.0%	-23.0%	-11.6%
Free Cash Flow Per Share	0.83	-1.00	0.13	-0.51	-0.29
Supplemental
Total Interest Dividend Income	2.01M	1.77M	2.70M	2.14M	2.29M