Tawuniya 2025 profit edges up 8% to SAR 1.1B; Q4 at SAR 200.7M

26/02/2026 Argaam Exclusive

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The Company for Cooperative Insurance (Tawuniya) reported a net profit of SAR 1.1 billion in 2025, an increase of 8% compared to SAR 1.02 billion a year earlier.



Financials (M)

Item 2024 2025 Change‬
Gross Written Premium (GWP) 19,821.55 23,841.61 20.3 %
Insurance Revenues 18,272.96 21,403.18 17.1 %
Net Income 1,022.03 1,103.11 7.9 %
Average Shares 150.00 150.00 -
Earnings Per Share before unusual items (Riyals) 6.57 7.35 11.9 %
EPS (Riyal) 6.81 7.35 7.9 %

Insurance revenues increased 17.13% year-on-year (YoY) to SAR 21.4 billion in 2025, as a result of growth in the company’s main sectors.

 

Tawuniya cited a 19.31% increase YoY in insurance services for 2025, in addition to 0.43% higher YoY insurance earnings.

 

Additionally, investment portfolio improved, which led to a 12.25% increase YoY in net investment income and 9.29% growth YoY in investment portfolio. The company further cited significant efforts to collect outstanding receivables.

 

Meanwhile, net insurance finance expenses for 2025 increased 44.53% YoY, weighing on profitability, due to the increase of liability for incurred claims. Moreover, total gross written premiums (GWPs) for 2025 jumped 20.28% YoY.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Gross Written Premium (GWP) 5,458.00 6,662.16 22.1 %
Insurance Revenues 4,778.53 5,650.45 18.2 %
Net Income 167.96 200.75 19.5 %
Average Shares 150.00 150.00 -
Earnings Per Share before unusual items (Riyal) 1.12 1.34 19.5 %
EPS (Riyal) 1.12 1.34 19.5 %

Insurance Operations

Item 2024 2025 Change‬
Gross Written Premium (GWP) 19,821.55 23,841.61 20.3 %
Insurance Revenues 18,272.96 21,403.18 17.1 %
Insurance Services Income 1,111.43 1,116.25 0.4 %
Investment Income 680.45 763.79 12.2 %
Net Profit of Insurance Services and Investment 1,721.46 1,778.27 3.3 %

Q4 2025 profit jumped 20% to SAR 200.7 million, compared to SAR 167.96 million in the prior-year period.

 

On a sequential basis, net profit increased 15.9% from SAR 173.26 million in Q3 2025.

 

Total shareholders’ equity amounted to SAR 5.35 billion as of Dec. 31, 2025, compared to SAR 4.47 billion in the year-earlier period.

 

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Share Price

The Company for Cooperative Insurance
135.70
(2.60) (1.88 %)

The Company for Cooperative Insurance (TAWUNIYA)

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Financial Ratios
Current
Market Cap (M Riyal) 20,355.02
Shares Outstanding (M) 150.00
EPS ( Riyal) (TTM) 7.35
Book Value (BV) ( Riyal) 35.72
Par Value ( Riyal) 10.00
Recurring P/E 18.45
P/E (TTM) 18.45
Price/Book 3.80
Return on Average Assets (%) (TTM) 5.2
Return on Average Equity (%) (TTM) 22.4
Return on Market Cap (%) 6.3
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