LIVA earns SAR 26.6M in 2025, SAR 10.1M in Q4

16/02/2026 Argaam Exclusive

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LIVA Insurance Co. reported net earnings of SAR 26.6 million for 2025, down from SAR 32.8 million a year earlier.



Financials (M)

Item 2024 2025 Change‬
Insurance Revenues 446.13 575.03 28.9 %
Net Profit Before Zakat & Tax 33.48 30.73 (8.2 %)
Net Income 32.76 26.64 (18.7 %)
Average Shares 40.00 40.00 -
Earnings Per Share before unusual items (Riyals) 0.82 0.67 (18.7 %)
EPS (Riyal) 0.82 0.67 (18.7 %)

Net insurance service revenues fell by SAR 19.53 million, down 73.02% year-on-year (YoY), primarily due to a higher reinsurance share of written premiums during the year.

 

Meanwhile, net insurance finance expenses increased by 59.90% YoY, and the Zakat provision rose by 470.71% YoY.

 

On the other hand, the insurer noted an 11.81% increase in net investment income to SAR 34.92 million and a 63.52% reduction in other operating expenses, which fell to SAR 8.208 million from SAR 22.503 million last year.

 

These declines were partly offset by an 11.81% increase in net investment income to SAR 34.92 million and a 63.52% reduction in other operating expenses, which fell to SAR 8.208 million from SAR 22.503 million last year.

 

Q4 2025 earnings reached SAR 10.06 million, down 6.9% from SAR 10.8 million in Q4 2024.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Insurance Revenues 117.80 168.35 42.9 %
Net Profit Before Zakat & Tax 6.36 12.27 93.0 %
Net Income 10.80 10.06 (6.9 %)
Average Shares 40.00 40.00 -
Earnings Per Share before unusual items (Riyal) 0.27 0.25 (6.9 %)
EPS (Riyal) 0.27 0.25 (6.9 %)

Insurance Operations

Item 2024 2025 Change‬
Insurance Revenues 446.13 575.03 28.9 %
Insurance Services Income 26.75 7.22 (73.0 %)
Investment Income 31.23 34.92 11.8 %
Net Profit of Insurance Services and Investment 55.98 38.94 (30.4 %)

On a sequential basis, the Q4 2025 earnings fell 11.2% from SAR 11.33 million in Q3 2025.

 

Shareholders’ equity, no minority interest, reached SAR 478.67 million as of Dec. 31, 2025, compared to SAR 440.55 million in the year-earlier period.

 

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Share Price

LIVA Insurance Co.
10.22
(0.45) (4.22 %)

LIVA Insurance Co. (LIVA)

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Financial Ratios
Current
Market Cap (M Riyal) 408.80
Shares Outstanding (M) 40.00
EPS ( Riyal) (TTM) 0.67
Book Value (BV) ( Riyal) 11.97
Par Value ( Riyal) 10.00
Recurring P/E 15.35
P/E (TTM) 15.35
Price/Book 0.85
Return on Average Assets (%) (TTM) 2.7
Return on Average Equity (%) (TTM) 5.8
Return on Market Cap (%) 6.1
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