SAICO profit falls 55% to SAR 22.2M in 2025; Q4 loss at SAR 13.1M

10/03/2026 Argaam Exclusive

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Saudi Arabian Cooperative Insurance Co. (SAICO) reported a net profit of SAR 22.2 million for 2025, a 55% decline from SAR 49.3 million a year earlier.



Financials (M)

Item 2024 2025 Change‬
Gross Written Premium (GWP) 1,125.12 1,253.43 11.4 %
Insurance Revenues 1,080.64 1,156.88 7.1 %
Net Profit Before Zakat & Tax 53.99 28.43 (47.3 %)
Net Income 49.32 22.18 (55.0 %)
Average Shares 30.00 30.00 -
Earnings Per Share before unusual items (Riyals) 1.64 0.74 (55.0 %)
EPS (Riyal) 1.64 0.74 (55.0 %)

Net insurance service result decreased 63% year-on-year (YoY) to SAR 17.04 million in 2025. Net investment results slipped 18% YoY to SAR 24.95 million.

 

On the other hand, insurance revenues grew 7% YoY to SAR 1.15 billion, buoyed by vehicles, properties, accidents and protection insurance revenues.

 

Other operating expenses decreased by 52% YoY, and other income rose 20% YoY to SAR 4.07 million.

 

Total comprehensive income for the current year amounted to SAR 33.38 million, compared to SAR 68.23 million during the previous year.

 

Moreover, gross written premiums (GWP) for the current year amounted to SAR 1.25 billion, compared to 1.12 billion, during the previous year, an increase of 11%.

 

In Q4 2025, the insurer turned to a loss of SAR 13.1 million, versus a profit of SAR 12.2 million in Q4 2024.

 

On a sequential basis, the company swung to losses against SAR 7.59 million profit in Q3 2025.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Gross Written Premium (GWP) 183.91 261.59 42.2 %
Insurance Revenues 275.94 308.37 11.8 %
Net Profit Before Zakat & Tax 10.70 (11.51) (207.6 %)
Net Income 12.16 (13.07) (207.5 %)
Average Shares 30.00 30.00 -
Earnings Per Share before unusual items (Riyal) 0.41 (0.44) (207.5 %)
EPS (Riyal) 0.41 (0.44) (207.5 %)

Insurance Operations

Item 2024 2025 Change‬
Gross Written Premium (GWP) 1,125.12 1,253.43 11.4 %
Insurance Revenues 1,080.64 1,156.88 7.1 %
Insurance Services Income 45.72 17.04 (62.7 %)
Investment Income 30.53 24.95 (18.3 %)
Net Profit of Insurance Services and Investment 68.96 33.23 (51.8 %)

Total shareholders’ equity, no minority interest, stood at SAR 415.21 million by Dec. 31, 2025, compared to SAR 381.83 million a year earlier.

 

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Share Price

Saudi Arabian Cooperative Insurance Co.
8.87
(0.17) (1.88 %)

Saudi Arabian Cooperative Insurance Co. (SAICO)

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Financial Ratios
Current
Market Cap (M Riyal) 266.10
Shares Outstanding (M) 30.00
EPS ( Riyal) (TTM) 0.74
Book Value (BV) ( Riyal) 13.84
Par Value ( Riyal) 10.00
Recurring P/E 12.00
P/E (TTM) 12.00
Price/Book 0.64
Return on Average Assets (%) (TTM) 1.1
Return on Average Equity (%) (TTM) 5.6
Return on Market Cap (%) 6.7
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