Al-Ahleia Insurance Co.

Al-Ahleia Insurance Co.

KKSE:AINS
725.00
KWF
0.00
(0.00%)
105.48EPS
9.58P/E
213.96BMarket Cap
Al-Ahleia Insurance Co.
KSE:AINS
(Kuwait Stock Exchange)

Recent

price

725.00

P/E

ratio

9.58

div

yld

4.29%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
KWD
0.14
0.13
0.09
0.1
0.09
0.14
0.22
0.26
0.28
0.33
0.35
0.41
0.39
0.46
0.51
0.57
0.57
Revenue per Share
0.03
0.03
0.04
0.04
0.03
0.05
0.04
0.04
0.04
0.04
0.05
0.06
0.07
0.08
0.09
0.1
0.09
Basic EPS, GAAP
0.01
0.03
0.05
-0.01
0.02
0.03
0.03
0.06
0.03
0.06
0.13
0.11
0.09
0.14
0.2
0.15
0.09
Free Cash Flow per Basic Share
- -
- -
0.02
0.02
0.03
0.03
0.03
0.03
0.03
0.03
0.02
0.02
0.03
0.04
0.03
0.01
0.03
Dividend per Share
0.39
0.32
0.35
0.38
0.4
0.42
0.42
0.44
0.43
0.44
0.47
0.54
0.56
0.57
0.63
0.73
0.74
Book Value per Share
0.39
0.32
0.35
0.38
0.4
0.42
0.42
0.44
0.43
0.44
0.47
0.54
0.56
0.57
0.63
0.73
0.74
Tangible Book Value per Share
250
262
233
245
245
245
245
246
246
246
246
246
246
246
246
246
246
Basic Weighted Avg Shares
35
35
21
24
23
35
54
63
68
80
86
101
96
114
124
139
139
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
8
8
8
10
9
11
9
9
9
10
12
14
16
20
23
25
22
Net Income, GAAP
5.15
5.48
3.98
4.01
3.97
4.06
4.59
4.34
4.49
4.11
4.05
4.38
4.67
4.51
3.82
4.47
4.34
Effective Tax Rate (%)
23.43
21.63
41.16
40.15
37.8
32.32
16.86
13.61
14.03
12.75
14.24
13.85
17.14
17.56
18.22
18.08
16
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
9
10
50
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
14
- -
LT Debt
79
80
87
92
98
106
107
112
115
119
126
142
145
149
165
194
200
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
9.59
8.51
7.49
8.31
8.96
10.48
7.65
7.23
7.86
8.08
9.08
10.03
10.95
12.92
13.51
11.68
10.35
Return on Capital (%)
11.04
9.52
10.16
10.62
8.96
11.14
8.74
8.12
8.86
9.52
10.89
11.35
12.21
14.46
15.41
15.15
12.93
Return on Common Equity (%)

Capital Structure

KWD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
14
- -
- -
LT Borrowings
14
9
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
246
246
246
Market Capitalization
190
171
214

Working Capital

KWD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
35
33
35
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
14
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

KWD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.3%
9.23%
17.51%
Free Cash Flow
31.99%
8.48%
-24.19%
Net Income, GAAP
9.16%
15.69%
11.17%
Sales/Revenue/Turnover
15.8%
10.58%
12.01%
Total Cash Common Dividend
-2.36%
-1.26%
-50.26%

Quarterly Revenue

KWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
31
34
32
32
124
2025
35
42
35
33
139
2026
33
38
- -
- -
- -

Quarterly Earnings Per Share

KWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.04
0.01
0.02
0.02
0.09
2025
0.04
0.01
0.02
0.03
0.1
2026
0.02
0.02
- -
- -
- -

Quarterly Dividends Per Share

KWD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
0.03
- -
- -
0.03
2025
- -
0.01
- -
- -
0.01
2026
- -
0.03
- -
- -
- -
Business
Al-Ahleia Insurance Company S.A.K.P. is a Kuwait-based multi-line insurance and reinsurance enterprise engaged in the provision of conventional non-life, life, medical, and specialized commercial insurance solutions to individual, commercial, and governmental clients. Established in 1962 and headquartered in Kuwait City, State of Kuwait, the company operates across domestic and regional Middle Eastern markets, extending its global underwriting reach through dedicated reinsurance operations. The company structures its core activities across several comprehensive business divisions, offering a diverse portfolio of risk management and underwriting products: General Insurance, which includes comprehensive and third-party motor vehicle coverage, personal accident protection, property all-risk, fire and allied perils, business interruption, public and product liability, comprehensive general liability, home insurance, and travel insurance; Marine and Aviation Insurance, comprising marine cargo, ocean hull and machinery, freight forwarders liability, inland transit, aviation hull, and aviation third-party liability; Engineering and Industrial Risk Insurance, covering contractor all risks, erection all risks, advance loss of profits, machinery breakdown, electronic equipment, boiler and pressure plant explosion, and civil engineering completed risks; Energy and Specialty Lines, encompassing onshore and offshore oil and gas facilities, petrochemical plants, pipeline hazards, directors and officers liability, professional indemnity, commercial crime, banker blanket bonds, and trade credit insurance; and Life and Medical Insurance, encompassing corporate group life, individual term and savings life insurance, credit life, workmen compensation, employer liability, and comprehensive group and individual health and dental insurance programs supported by extensive healthcare provider networks. Through its controlling ownership of Kuwait Reinsurance Company K.S.C.P. (Kuwait Re), the company provides international treaty and facultative reinsurance solutions spanning property, casualty, marine, engineering, and energy risks across the Middle East, North Africa, Asia, and European markets. In recent operational and strategic developments, Al-Ahleia Insurance has completed the full operational integration and equity consolidation of Kuwait Re, substantially reinforcing its international reinsurance footprint and cross-border underwriting diversification. The company has accelerated its enterprise-wide digital transformation program by launching enhanced digital insurance portals, self-service direct-to-consumer mobile applications, automated electronic policy issuance, and streamlined digital claims processing platforms. In addition, the organization has fully transitioned its financial and actuarial reporting frameworks to comply with IFRS 17 accounting standards, modernized its enterprise risk and capital management models, and expanded strategic collaborations with regional third-party medical administrators to enhance healthcare access and network efficiency across the Gulf Cooperation Council.