Wataniya Insurance 2025 net profit at SAR 37.1M; Q4 down 29% at SAR 23.1M

02/03/2026 Argaam Exclusive

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Wataniya Insurance Co. reported a net profit of SAR 37.1 million in 2025, a drop of 64% compared to SAR 103.1 million in the year-earlier period.



Financials (M)

Item 2024 2025 Change‬
Insurance Revenues 1,796.14 1,837.59 2.3 %
Net Profit Before Zakat & Tax 107.15 49.49 (53.8 %)
Net Income 103.05 37.09 (64.0 %)
Average Shares 40.00 40.00 -
Earnings Per Share before unusual items (Riyals) 2.34 0.93 (60.3 %)
EPS (Riyal) 2.58 0.93 (64.0 %)

The profit decline was attributed to a 59.09%, or SAR 42.54 million, drop in insurance service results from the company’s direct operations.

 

Other operating expenses increased by 85.67%, or SAR 19.00 million, reflecting continued investment in internal capabilities and the absence of a SAR 9.63 million recovery of non-recurring expenses that were recorded in 2024.

 

This was partially offset by a rise in insurance revenues to SAR 1.84 billion from SAR 1.80 billion in the prior year. The revenue growth of 2.31% was mainly due to business expansion.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Insurance Revenues 486.62 498.83 2.5 %
Net Profit Before Zakat & Tax 33.82 21.96 (35.1 %)
Net Income 32.49 23.06 (29.0 %)
Average Shares 40.00 40.00 -
Earnings Per Share before unusual items (Riyal) 0.81 0.58 (29.0 %)
EPS (Riyal) 0.81 0.58 (29.0 %)

Q4 2025 net earnings decreased 29% to SAR 23.1 million, from SAR 32.49 million a year ago.

 

On a sequential basis, net profit soared 213.8% from SAR 7.35 million in Q3 2025.

Insurance Operations

Item 2024 2025 Change‬
Insurance Revenues 1,796.14 1,837.59 2.3 %
Insurance Services Income 71.99 29.46 (59.1 %)
Investment Income 71.35 65.42 (8.3 %)
Net Profit of Insurance Services and Investment 136.55 88.53 (35.2 %)

Total shareholders’ equity, excluding minority interest, stood at SAR 657.99 million by Dec. 31, 2025, compared to SAR 609.6 million a year earlier.

 

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Share Price

Wataniya Insurance Co.
11.62
(0.26) (2.19 %)

Wataniya Insurance Co. (WATANIYA)

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Financial Ratios
Current
Market Cap (M Riyal) 464.80
Shares Outstanding (M) 40.00
EPS ( Riyal) (TTM) 0.93
Book Value (BV) ( Riyal) 16.45
Par Value ( Riyal) 10.00
Recurring P/E 12.53
P/E (TTM) 12.53
Price/Book 0.71
Return on Average Assets (%) (TTM) 1.8
Return on Average Equity (%) (TTM) 5.9
Return on Market Cap (%) 7.3
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