Balance Sheet Oman United Insurance Company SAOG

Stocks

OUIC

OM0000001087

Multiline Insurance & Brokers

End-of-day quote Muscat Exchange Other stock markets 16/06/2026			5-day change	1st Jan Change
0.3300 ^OMR	+1.54%		+0.30%	+2.20%

24/04	Oman United Insurance Company SAOG Appoints Sayyid/Balarab Yarub Qahtan Al Busaidi as Compliance Officer, Effective April 23, 2026	CI
16/04	Oman United Insurance Company SAOG Reports Earnings Results for the First Quarter Ended March 31, 2026	CI

267d0b214752b945d5fbdeaafe7c76.vX4ZFqJxIcyP1XAhd9BpMcmeOxUYhCVKeqZ0eFpByoE.ik5WRsRId6HfpihMQZkzf43WY1R6t08bOfczIT8wusvJMX5O5CsWjqKSKQ

Published financial data: OMAN UNITED INSURANCE COMPANY SAOG

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Premiums and Annuity Revenues	1.59Cr	1.41Cr	1.85Cr	1.88Cr	1.89Cr
Total Interest And Dividend Income	27.65L	37.74L	28.57L	21.88L	22.68L
Gain (Loss) on Sale of Investments, Total (Rev)	4L	-	3L	2L	42.28L
Other Revenues, Total	24.41L	34.07L	5L	-	4L
Total Revenues	2.15Cr	2.13Cr	2.22Cr	2.12Cr	2.57Cr
Policy Benefits	96.76L	1.04Cr	2.71Cr	1.8Cr	2.57Cr
Policy Acquisition / Underwriting Costs, Total	22.95L	24.7L	38.47L	-	39.75L
Depreciation & Amortization - (IS) - (Collected)	-	-	3L	3L	3L
Selling General & Admin Expenses, Total	54.91L	52.58L	10L	10.15L	10L
Provision for Bad Debts	-	-	30.28T	2L	1L
Salaries And Other Employee Benefits	-	-	34.69L	33.48L	38.28L
Other Operating Expenses	-6L	-	-1.64Cr	-33.35L	-1.44Cr
Total Operating Expenses	1.68Cr	1.82Cr	1.94Cr	1.95Cr	2.05Cr
Operating Income	46.63L	30.83L	27.95L	17.21L	52.81L
Currency Exchange Gains (Loss)	-1.06T	-	-	-	-
Other Non Operating Income (Expenses)	1	-	54.03T	39.07T	13.25T
EBT, Excl. Unusual Items	46.62L	30.83L	28.49L	17.6L	52.94L
Gain (Loss) on Sale of Assets	8.76T	-	-	-	7.17T
EBT, Incl. Unusual Items	46.71L	30.83L	28.49L	17.6L	53.01L
Income Tax Expense	7L	3L	2L	3L	2L
Earnings From Continuing Operations	39.6L	27.58L	26.52L	14.94L	51.5L
Net Income to Company	39.6L	27.58L	26.52L	14.94L	51.5L
Net Income - (IS)	39.6L	27.58L	26.52L	14.94L	51.5L
Net Income to Common Incl Extra Items	39.6L	27.58L	26.52L	14.94L	51.5L
Net Income to Common Excl. Extra Items	39.6L	27.58L	26.52L	14.94L	51.5L
Per Share Items
Net EPS - Basic	0.04	0.03	0.03	0.01	0.05
Basic EPS - Continuing Operations	0.04	0.03	0.03	0.01	0.05
Basic Weighted Average Shares Outstanding	10Cr	10Cr	10Cr	10Cr	10Cr
Net EPS - Diluted	0.04	0.03	0.03	0.01	0.05
Diluted EPS - Continuing Operations	0.04	0.03	0.03	0.01	0.05
Diluted Weighted Average Shares Outstanding	10Cr	10Cr	10Cr	10Cr	10Cr
Normalized Basic EPS	0.03	0.02	0.02	0.01	0.03
Normalized Diluted EPS	0.03	0.02	0.02	0.01	0.03
Dividend Per Share	0.03	0.03	0.03	0.02	0.02
Payout Ratio	88.39	126.91	131.98	200.82	48.54
Supplemental Items
EBITDA	49.85L	33.86L	30.87L	19.38L	55.03L
EBITA	46.63L	31.1L	28.35L	17.21L	52.81L
EBIT	46.63L	30.83L	27.95L	17.21L	52.81L
EBITDAR	50.24L	34.23L	31.16L	19.74L	55.45L
Effective Tax Rate - (Ratio)	15.22	10.54	6.91	15.14	2.86
Current Domestic Taxes	7L	4L	1L	3L	1L
Total Current Taxes	7L	4L	1L	3L	1L
Deferred Domestic Taxes	3.21T	-68.75T	58.31T	-14.09T	8.59T
Total Deferred Taxes	3.21T	-68.75T	58.31T	-14.09T	8.59T
Normalized Net Income	29.14L	19.27L	17.8L	11L	33.09L
Non-Cash Pension Expense	1L	69.61T	2L	8.75T	2L
Supplemental Operating Expense Items
Advertising Expense	80.02T	1L	88.91T	79.75T	49.97T
Selling and Marketing Expenses	80.02T	1L	88.91T	79.75T	49.97T
General and Administrative Expenses	51.84L	49.03L	6L	6L	7L
Net Rental Expense, Total	38.89T	36.8T	29.09T	36.46T	42.24T

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Investment In Debt Securities	-	-	3.55Cr	-	-
Investment In Equity and Preferred Securities, Total	7L	-	-	3L	4L
Trading Asset Securities, Total	36.4L	77.82L	1.4Cr	1.86Cr	1.5Cr
Real Estate Owned	20.76L	20.21L	19.68L	22.24L	21.71L
Total Other Investments	5.66Cr	5.37Cr	1.05Cr	3.76Cr	3.74Cr
Total investments	6.3Cr	6.35Cr	6.19Cr	5.87Cr	5.49Cr
Cash And Equivalents	8L	5L	6L	8L	90.87L
Reinsurance Recoverable - (IS)	3.81Cr	3.78Cr	2.2Cr	2.88Cr	1.9Cr
Other Receivables - (Insurance Template)	54.2L	45.56L	53.16L	47.05L	62.18L
Gross Property Plant And Equipment	55.29L	-	56.36L	-	-
Accumulated Depreciation	-40.34L	-	-43.55L	-	-
Net Property Plant And Equipment	14.94L	12.2L	12.82L	8L	7L
Other Intangibles, Total	-	1L	-	69.42T	62.98T
Restricted Cash	-	-	-	-	-
Other Current Assets, Total	-	8L	8L	9L	10L
Deferred Tax Assets Long-Term (Collected)	-	-	84.2T	-	-
Other Long-Term Assets, Total	-	-	-	-	-
Total Assets	11Cr	11Cr	9.2Cr	9.47Cr	9.1Cr
Liabilities
Accounts Payable, Total	19.79L	39.53L	-	-	-
Accrued Expenses, Total	12.13L	20.98L	16.48L	27.26L	33.79L
Insurance And Annuity Liabilities	79.86L	49.91L	5.33Cr	5.79Cr	5.05Cr
Unpaid Claims	4.05Cr	4.14Cr	-	-	-
Unearned Premiums	1.21Cr	1.39Cr	-	-	-
Reinsurance Payable - (BS)	1.04Cr	96.4L	-	-	-
Current Portion of Leases	46.08T	-	87.16T	82.69T	61.8T
Short-Term Borrowings	-	2L	9L	-	-
Long-Term Leases	3L	3L	2L	2L	1L
Current Income Taxes Payable	8L	4L	2L	3L	3L
Unearned Revenue, Current	-	-	2L	-	-
Other Current Liabilities - (Brok / FS / Ins. / REIT Template)	-	-	63.95L	51.1L	55.04L
Unearned Revenue Non Current	-	1L	-	2L	2L
Pension & Other Post Retirement Benefits	8L	8L	8L	8L	9L
Deferred Tax Liability Non-Current	1L	59.94T	-	76.12T	91.15T
Other Non Current Liabilities	17.76L	5L	-	-	-
Total Liabilities	7.8Cr	7.84Cr	6.38Cr	6.73Cr	6.1Cr
Common Stock, Total	1Cr	1Cr	1Cr	1Cr	1Cr
Additional Paid In Capital	9L	9L	9L	9L	9L
Retained Earnings	1.98Cr	1.91Cr	2.05Cr	1.77Cr	2.03Cr
Comprehensive Income and Other	2L	2L	-31.03L	-11.34L	-12.14L
Total Common Equity	3.08Cr	3.02Cr	2.82Cr	2.74Cr	3Cr
Total Equity	3.08Cr	3.02Cr	2.82Cr	2.74Cr	3Cr
Total Liabilities And Equity	11Cr	11Cr	9.2Cr	9.47Cr	9.1Cr
Supplemental Items
ECS Total Shares Outstanding on Filing Date	10Cr	10Cr	10Cr	10Cr	10Cr
ECS Total Common Shares Outstanding	10Cr	10Cr	10Cr	10Cr	10Cr
Book Value / Share	0.29	0.29	0.27	0.26	0.29
Tangible Book Value	3.08Cr	3Cr	2.82Cr	2.74Cr	2.99Cr
Tangible Book Value Per Share	0.29	0.29	0.27	0.26	0.29
Total Debt	3L	5L	12.35L	3L	2L
Net Debt	-5L	-15.69T	6L	-6L	-89.17L
Debt Equivalent Oper. Leases	3L	3L	2L	3L	3L
Equity Method Investments, Total	7L	-	-	-	-
Account Code - Inventory Valuation	3	3	3	3	3
Land - (BS)	5L	-	5L	-	-
Buildings, Total	12.86L	-	12.86L	-	-
Machinery, Total	28.68L	-	28.74L	-	-
Full Time Employees	-	54	32	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	39.6L	27.58L	26.52L	14.94L	51.5L
Depreciation, Depletion & Amortization	4L	4L	3L	3L	3L
Amortization of Goodwill and Intangible Assets - (CF)	-	26.75T	40.05T	-	-
Total Depreciation, Depletion & Amortization	4L	4L	4L	3L	3L
(Gain) Loss On Sale of Asset - (CF)	-8.76T	-	-7.22T	-	-7.17T
(Gain) Loss on Sale of Investments - (CF)	-72.68T	-8L	-3L	-42.59T	-41.13L
Total Asset Writedown	1L	49.08T	-	-	-
Provision and Write-off of Bad Debts	-	-	-	5L	-15.45L
Change in Accounts Receivable	-4L	6L	-	-	-
Reinsurance Recoverable - (CF)	-11.09L	20.56L	-8L	-	-
Change in Accounts Payable	-	-	-	-	-
Reinsurance Payable - (CF)	-27.05L	-33.56L	-	-	-
Change in insurance Reserves / Liabilities	23.45L	16.98L	-	-31.49L	18.04L
Change in Other Net Operating Assets (Collected)	13.2T	-1L	-5L	-3L	9L
Other Operating Activities	-32.19L	-32.23L	-30.35L	-21.04L	-22.67L
Cash from Operations	-7L	84.46T	-16.44L	-32.8L	2L
Capital Expenditure	-3L	-2L	-3L	-2L	-1L
Sale of Property, Plant, and Equipment	9.3T	-	8.05T	-	9.95T
Investment in Marketable and Equity Securities, Total	26.8L	3L	17.2L	46.29L	77.9L
Other Investing Activities, Total	30.47L	29.04L	30.11L	29.9L	29.7L
Cash from Investing	54.31L	29.8L	44.71L	74.21L	1.06Cr
Short Term Debt Repaid, Total	-	-	-	-	-
Long-Term Debt Repaid, Total	-	-	-	-	-82.7T
Total Debt Repaid	-	-	-	-	-82.7T
Common Dividends Paid	-35L	-35L	-35L	-30L	-25L
Common & Preferred Stock Dividends Paid	-35L	-35L	-35L	-30L	-25L
Other Financing Activities, Total	-	-	-	-9L	-
Cash from Financing	-35L	-35L	-35L	-39.23L	-25.83L
Net Change in Cash	12.43L	-4L	-7L	2L	82.81L
Supplemental Items
Cash Income Tax Paid (Refund)	9L	7L	4L	1L	2L
Net Debt Issued / Repaid	-	-	-	-	-82.7T
Levered Free Cash Flow	18.49L	-10L	1.08Cr	-11.65L	-79.1L
Unlevered Free Cash Flow	18.49L	-10L	1.08Cr	-11.65L	-79.1L
Change In Net Working Capital	11.71L	30.95L	-89.53L	23.53L	1.14Cr

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.7	1.77	1.79	1.15	3.55
Return on Total Capital	9.05	6.23	5.83	3.78	11.41
Return On Equity %	12.92	9.04	9.11	5.39	17.94
Return on Common Equity	12.92	9.04	9.11	5.39	17.94
Margin Analysis
Gross Profit Margin %	43.38	38.23	-40.6	13.86	-16.11
SG&A Margin	24.69	23.73	19.08	19.27	17.83
EBITDA Margin %	23.21	15.93	13.93	9.15	21.39
EBITA Margin %	21.71	14.63	12.79	8.13	20.52
EBIT Margin %	21.71	14.5	12.61	8.13	20.52
Income From Continuing Operations Margin %	18.44	12.97	11.97	7.06	20.01
Net Income Margin %	18.44	12.97	11.97	7.06	20.01
Net Avail. For Common Margin %	18.44	12.97	11.97	7.06	20.01
Normalized Net Income Margin	13.57	9.06	8.03	5.2	12.86
Levered Free Cash Flow Margin	8.61	-4.54	48.81	-5.5	-30.74
Unlevered Free Cash Flow Margin	8.61	-4.54	48.81	-5.5	-30.74
Asset Turnover
Asset Turnover	0.2	0.2	0.23	0.23	0.28
Fixed Assets Turnover	13.87	16.86	16.86	21.02	32.97
Receivables Turnover (Average Receivables)	4.01	3.94	4.58	4.52	4.18
Short Term Liquidity
Current Ratio	0.63	0.66	0.83	0.95	1.29
Quick Ratio	0.15	0.18	0.47	0.48	0.94
Operating Cash Flow to Current Liabilities	-0.01	0	-0.03	-0.05	0
Days Sales Outstanding (Average Receivables)	91.08	92.72	79.77	80.97	87.28
Average Days Payable Outstanding	1.5T	1.52T	678.83	1.05T	625.37
Long Term Solvency
Total Debt/Equity	1.05	1.67	4.37	0.92	0.57
Total Debt / Total Capital	1.04	1.64	4.19	0.91	0.56
LT Debt/Equity	0.9	1.07	0.8	0.62	0.36
Long-Term Debt / Total Capital	0.89	1.05	0.76	0.62	0.36
Total Liabilities / Total Assets	71.66	72.22	69.31	71.05	67.05
Total Debt / EBITDA	0.06	0.15	0.39	0.12	0.03
Net Debt / EBITDA	-0.09	-0	0.2	-0.27	-1.6
Total Debt / (EBITDA - Capex)	0.07	0.15	0.42	0.14	0.03
Net Debt / (EBITDA - Capex)	-0.09	-0	0.22	-0.3	-1.63
Growth Over Prior Year
Total Revenues, 1 Yr. Growth %	3.33	-1.02	6.06	0.17	19.5
Gross Profit, 1 Yr. Growth %	-9.42	-12.77	444.36	-1.99	-6.04T
EBITDA, 1 Yr. Growth %	-11.22	-32.97	-3.03	-19.57	183.98
EBITA, 1 Yr. Growth %	-10.71	-34.26	-2.48	-18.7	206.81
EBIT, 1 Yr. Growth %	-10.71	-33.87	-2.97	-18.7	206.81
Earnings From Cont. Operations, 1 Yr. Growth %	-6.92	-30.35	11.9	-24.61	244.73
Net Income, 1 Yr. Growth %	-6.92	-30.35	11.9	-24.61	244.73
Normalized Net Income, 1 Yr. Growth %	-10.71	-33.87	5.71	-18.92	200.75
Diluted EPS Before Extra, 1 Yr. Growth %	-6.92	-30.35	11.9	-24.74	244.74
Net Property, Plant and Equip., 1 Yr. Growth %	-6.78	-6.28	-4.8	-27.84	-15.14
Accounts Receivable, 1 Yr. Growth %	9.26	-13.39	13.36	-12.64	33.32
Total Assets, 1 Yr. Growth %	1.37	-0.19	-10.75	3.06	-3.92
Common Equity, 1 Yr. Growth %	1.22	-2.17	-5.73	-2.21	9.37
Tangible Book Value, 1 Yr. Growth %	1.22	-1.97	-5.73	-2.07	9.42
Cash From Operations, 1 Yr. Growth %	-113.68	-112.28	-2.05T	99.48	-106.68
Capital Expenditures, 1 Yr. Growth %	-24.55	-39.34	45.13	-26.16	-38.5
Levered Free Cash Flow, 1 Yr. Growth %	-85.84	-122.46	-143.52	-117.7	578.92
Unlevered Free Cash Flow, 1 Yr. Growth %	-85.84	-122.46	-143.52	-117.7	578.92
Dividend Per Share, 1 Yr. Growth %	0	0	-14.11	-16.78	-20.17
Compound Annual Growth Rate Over Two Years
Total Revenues, 2 Yr. CAGR %	-0.01	1.13	1.59	0.66	10.34
Gross Profit, 2 Yr. CAGR %	5.33	-11.11	-1.72	33.25	17.66
EBITDA, 2 Yr. CAGR %	1.68	-22.34	-21.83	-21.98	51.13
EBITA, 2 Yr. CAGR %	2.55	-22.84	-22.59	-23.05	57.94
EBIT, 2 Yr. CAGR %	2.55	-23.17	-22.58	-22.69	57.94
Earnings From Cont. Operations, 2 Yr. CAGR %	7.85	-19.49	-18.16	-20.6	61.21
Net Income, 2 Yr. CAGR %	7.85	-19.49	-18.16	-20.6	61.21
Normalized Net Income, 2 Yr. CAGR %	2.54	-23.16	-21.83	-19.18	56.16
Diluted EPS Before Extra, 2 Yr. CAGR %	7.85	-19.49	-18.16	-20.4	60.67
Net Property, Plant and Equip., 2 Yr. CAGR %	-3.55	-12.77	-0.76	-20.81	-21.75
Accounts Receivable, 2 Yr. CAGR %	-3.68	-2.72	1.04	-0.48	7.92
Total Assets, 2 Yr. CAGR %	1.2	0.59	-8.03	-4.13	-0.49
Common Equity, 2 Yr. CAGR %	2.66	-0.49	-4.3	-4.31	3.42
Tangible Book Value, 2 Yr. CAGR %	2.66	-0.7	-4	-4.43	3.52
Cash From Operations, 2 Yr. CAGR %	16.02	-87.04	54.6	523.22	-63.82
Capital Expenditures, 2 Yr. CAGR %	-9.13	-32.35	-6.17	3.52	-32.61
Levered Free Cash Flow, 2 Yr. CAGR %	-54.02	-72.82	58.65	-78.35	9.63
Unlevered Free Cash Flow, 2 Yr. CAGR %	-54.02	-72.82	58.65	-78.35	9.63
Dividend Per Share, 2 Yr. CAGR %	7.9	0	-7.33	-15.46	-18.49
Compound Annual Growth Rate Over Three Years
Total Revenues, 3 Yr. CAGR %	-4.73	-0.35	2.16	-0.47	7.19
Gross Profit, 3 Yr. CAGR %	6.67	-1.08	-4.36	-31.96	35.87
EBITDA, 3 Yr. CAGR %	4.16	-11.11	-18.08	-27.34	20.02
EBITA, 3 Yr. CAGR %	4.72	-11.15	-18.43	-28.61	22.02
EBIT, 3 Yr. CAGR %	4.72	-11.41	-18.81	-28.26	22.4
Earnings From Cont. Operations, 3 Yr. CAGR %	8.1	-6.78	-14.58	-27.74	29.53
Net Income, 3 Yr. CAGR %	8.1	-6.78	-14.58	-27.74	29.53
Normalized Net Income, 3 Yr. CAGR %	4.71	-11.41	-18.29	-27.72	25.24
Diluted EPS Before Extra, 3 Yr. CAGR %	8.1	-6.78	-14.58	-27.62	29.53
Net Property, Plant and Equip., 3 Yr. CAGR %	3.5	-8.77	-7.19	-13.43	-18.96
Accounts Receivable, 3 Yr. CAGR %	-4.11	-7.03	3.71	-3.74	9.7
Total Assets, 3 Yr. CAGR %	0.84	0.73	-5	-4.5	-4.06
Common Equity, 3 Yr. CAGR %	2.85	1.02	-2.49	-3.82	0.05
Tangible Book Value, 3 Yr. CAGR %	2.85	0.88	-2.49	-3.7	-0.02
Cash From Operations, 3 Yr. CAGR %	-38.67	-45.12	-31.11	68.31	36.59
Capital Expenditures, 3 Yr. CAGR %	53.9	-20.58	-12.75	-13.37	-12.97
Levered Free Cash Flow, 3 Yr. CAGR %	-25.45	-52.03	-6.09	-35.28	-31.73
Unlevered Free Cash Flow, 3 Yr. CAGR %	-25.45	-52.03	-6.09	-35.28	-31.73
Dividend Per Share, 3 Yr. CAGR %	5.2	5.2	-4.95	-10.59	-17.06
Compound Annual Growth Rate Over Five Years
Total Revenues, 5 Yr. CAGR %	-4.29	-3.35	-2.25	-0.29	4.36
Gross Profit, 5 Yr. CAGR %	2.17	0.64	3.23	-18.96	-16.62
EBITDA, 5 Yr. CAGR %	1.04	-5.33	-6.89	-16.66	-0.4
EBITA, 5 Yr. CAGR %	0.97	-5.5	-6.94	-17.24	0.22
EBIT, 5 Yr. CAGR %	0.97	-5.67	-7.2	-17.24	0.22
Earnings From Cont. Operations, 5 Yr. CAGR %	-0.47	-3.78	-3.29	-15.19	3.89
Net Income, 5 Yr. CAGR %	-0.47	-3.78	-3.29	-15.19	3.89
Normalized Net Income, 5 Yr. CAGR %	0.97	-5.67	-6.84	-16.87	0.28
Diluted EPS Before Extra, 5 Yr. CAGR %	-0.46	-3.78	-3.29	-15.1	3.89
Net Property, Plant and Equip., 5 Yr. CAGR %	-0.63	-4.57	-1	-12.07	-14.88
Accounts Receivable, 5 Yr. CAGR %	-8.43	-5.72	-2.09	-3.72	5.37
Total Assets, 5 Yr. CAGR %	1.48	0.05	-2.81	-2.26	-3.24
Common Equity, 5 Yr. CAGR %	1.26	0.73	-0.07	-1.28	-0.31
Tangible Book Value, 5 Yr. CAGR %	1.26	0.64	-0.07	-1.33	-0.35
Cash From Operations, 5 Yr. CAGR %	-37.17	-55.83	-11.22	45.04	-46.75
Capital Expenditures, 5 Yr. CAGR %	-5.76	-6.85	26.26	-11.7	-21.31
Levered Free Cash Flow, 5 Yr. CAGR %	-30.46	-16.4	19.37	-33.18	-9.54
Unlevered Free Cash Flow, 5 Yr. CAGR %	-30.46	-16.4	19.37	-33.18	-9.54
Dividend Per Share, 5 Yr. CAGR %	3.09	3.09	0	-3.61	-10.62