Walaa incurs SAR 175.8M loss in 2025; SAR 48.8M in Q4

08/03/2026 Argaam Exclusive

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Walaa Cooperative Insurance Co. incurred a net loss of SAR 175.8 million in 2025, versus a net profit of SAR 64.3 million a year earlier.



Financials (M)

Item 2024 2025 Change‬
Gross Written Premium (GWP) 3,504.51 2,967.67 (15.3 %)
Insurance Revenues 3,344.58 3,104.30 (7.2 %)
Net Profit Before Zakat & Tax 62.75 (155.08) (347.2 %)
Net Income 64.30 (175.82) (373.4 %)
Average Shares 127.56 127.56 -
Earnings Per Share before unusual items (Riyals) 0.34 (1.38) (499.6 %)
EPS (Riyal) 0.50 (1.38) (373.4 %)

Insurance service loss for 2025 amounted to SAR 160.36 million compared with SAR 36.08 million a year earlier, primarily driven by motor segment where loss widened by 317.89% year-on-year (YoY) to SAR 159.17 million in 2025.

 

Net investment results for the year stood at SAR 47.64 million, compared to SAR 139.72 million a year earlier, due to realized gains on investments at fair value.

 

Other income decreased 87.85% YoY as last year's other income was mainly driven by the disposal of land, which realized a gain of SAR 20.30 million. Further, other operating expenses for 2025 increased 42.47% YoY, including SAR 8.32 million expenses from newly acquired company Aspire.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Gross Written Premium (GWP) 724.55 574.58 (20.7 %)
Insurance Revenues 883.90 755.06 (14.6 %)
Net Profit Before Zakat & Tax (10.35) (43.39) (319.2 %)
Net Income (20.10) (48.79) (142.8 %)
Average Shares 127.56 127.56 -
Earnings Per Share before unusual items (Riyal) (0.16) (0.38) (142.8 %)
EPS (Riyal) (0.16) (0.38) (142.8 %)

Q4 2025 net loss widened to SAR 48.8 million, from SAR 20.1 million in the prior-year period.

 

On a sequential basis, net loss deepened from SAR 9.72 million in Q3 2025.

Insurance Operations

Item 2024 2025 Change‬
Gross Written Premium (GWP) 3,504.51 2,967.67 (15.3 %)
Insurance Revenues 3,344.58 3,104.30 (7.2 %)
Insurance Services Income (36.08) (160.37) (344.5 %)
Investment Income 139.73 47.64 (65.9 %)
Net Profit of Insurance Services and Investment 95.07 (121.34) (227.6 %)

Total shareholders’ equity (no minority interest) amounted to SAR 1.67 billion as of Dec. 31, 2025, compared to SAR 1.83 billion in the year-earlier period.

 

Accumulated losses reached SAR 58.02 million as of Dec. 31, 2025, accounting for 4.55% of capital.

 

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Share Price

Walaa Cooperative Insurance Co.
9.10
(0.02) (0.22 %)

Walaa Cooperative Insurance Co. (WALAA)

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Financial Ratios
Current
Market Cap (M Riyal) 1,160.78
Shares Outstanding (M) 127.56
EPS ( Riyal) (TTM) (1.38)
Book Value (BV) ( Riyal) 13.16
Par Value ( Riyal) 10.00
Recurring P/E Neg
P/E (TTM) NEG
Price/Book 0.69
Return on Average Assets (%) (TTM) (3.78 )
Return on Average Equity (%) (TTM) (10.04 )
Return on Market Cap (%) (13.51 )
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