Al Rajhi Takaful realizes SAR 455M profit in 2025; Q4 at SAR 167M

26/02/2026 Argaam Exclusive

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Al Rajhi Company for Cooperative Insurance’s (Al Rajhi Takaful) net profit rose to SAR 455 million in 2025 from SAR 332.3 million in the prior-year period.



Financials (M)

Item 2024 2025 Change‬
Insurance Revenues 5,391.46 5,322.13 (1.3 %)
Net Income 332.34 454.98 36.9 %
Average Shares 100.00 100.00 -
Earnings Per Share before unusual items (Riyals) 3.09 4.55 47.1 %
EPS (Riyal) 3.32 4.55 36.9 %

The company attributed profit growth during the current period to a 10.33% rise in the insurance service result before re-takaful.

 

This was supported by improved performance in the health insurance segment, which turned into an insurance service surplus of SAR 18.5 million against a deficit of SAR 265.4 million in 2024, along with a protection and savings surplus of SAR 224.7 in 2025 compared to a surplus of SAR 134.2 million in 2024, while maintaining stable profitability levels in the motor insurance segment.

 

In addition, it reported a 120.46% increase in the insurance service result, driven by the performance of the health insurance segment and growth in the protection and savings business.

 

This came despite a 14.83% decline in net investment income, attributable to lower returns on SAIBOR-linked investments as well as weak equity market performance.

 

Also, total investment results include a loss of SAR 573.8 million in 2025 against a gain of SAR 352.7 million in 2024 related to fair value movements in unit holders’ fund investments.

 

Al Rajhi Takaful registered a 27.37% increase in operating expenses (OpEx), due to higher operating costs to support the digital transformation of insurance operations and IT systems.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Insurance Revenues 1,336.06 1,377.51 3.1 %
Net Income 48.96 166.99 241.1 %
Average Shares 100.00 100.00 -
Earnings Per Share before unusual items (Riyal) 0.49 1.67 241.1 %
EPS (Riyal) 0.49 1.67 241.1 %

Insurance Operations

Item 2024 2025 Change‬
Insurance Revenues 5,391.46 5,322.13 (1.3 %)
Insurance Services Income 221.99 489.40 120.5 %
Investment Income 605.06 (358.86) (159.3 %)
Net Profit of Insurance Services and Investment 442.37 627.53 41.9 %

In Q4 2025, the company’s net profit soared to SAR 167 million from SAR 49 million in Q4 2024.

 

Sequentially, the insurer's profit grew from SAR 85.6 million in Q3 2025.

 

Total shareholders’ equity, no minority interest, increased to SAR 2.35 billion by the end of 2025, from SAR 2 billion a year earlier.

 

The company also noted that net insurance finance expenses of SAR 497 million include returns on unit holders’ investment funds, in addition to fair value movements attributable to unit holders.

 

Total comprehensive income jumped 35.4% to SAR 484.3 million by end of 2025 from SAR 357.6 million in the previous year.

 

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Share Price

Al-Rajhi Company for Cooperative Insurance
74.50
6.75 9.96 %

Al-Rajhi Company for Cooperative Insurance (ALRAJHI TAKAFUL)

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Financial Ratios
Current
Market Cap (M Riyal) 7,450.01
Shares Outstanding (M) 100.00
EPS ( Riyal) (TTM) 4.55
Book Value (BV) ( Riyal) 25.36
Par Value ( Riyal) 10.00
Recurring P/E 16.37
P/E (TTM) 16.37
Price/Book 2.94
Return on Average Assets (%) (TTM) 3.4
Return on Average Equity (%) (TTM) 19.7
Return on Market Cap (%) 5.8
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