CHUBB Arabia 2025 profit drops 35% to SAR 10.6M; Q4 at SAR 2.9M

11/03/2026 Argaam Exclusive

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CHUBB Arabia Cooperative Insurance Co. posted a net profit of SAR 10.6 million in 2025, falling 35% from SAR 16.3 million a year earlier.

Financials (M)

Item	2024	2025	Change‬
Insurance Revenues	383.41	392.97	2.5 %
Net Income	16.29	10.62	(34.8 %)
Average Shares	40.00	40.00	-
Earnings Per Share before unusual items (Riyals)	0.41	0.27	(34.8 %)
EPS (Riyal)	0.41	0.27	(34.8 %)

CHUBB Arabia said the decline was driven by insurance service expenses of SAR 76.57 million, up 44% year-on-year (YoY). Other operating expenses also increased SAR 5.84 million, or 36%.

Revenue, however, rose 2% on business growth

Current Quarter Comparison (M)

Compared With The

Item	Q4 2024	Q4 2025	Change‬
Insurance Revenues	99.73	103.03	3.3 %
Net Income	5.27	2.94	(44.2 %)
Average Shares	40.00	40.00	-
Earnings Per Share before unusual items (Riyal)	0.13	0.07	(44.2 %)
EPS (Riyal)	0.13	0.07	(44.2 %)

Item	Q3 2025	Q4 2025	Change‬
Insurance Revenues	98.88	103.03	4.2 %
Net Income	3.71	2.94	(20.8 %)
Average Shares	40.00	40.00	-
Earnings Per Share before unusual items (Riyal)	0.09	0.07	(20.8 %)
EPS (Riyal)	0.09	0.07	(20.8 %)

The company attributed the decline to a SAR 76.57 million increase in insurance service expenses, a 44% rise year-on-year (YoY). Other operating expenses rose by SAR 5.84 million, up 36% YoY. Revenue, however, grew 2% on the back of business expansion.

In Q4 2025, CHUBB Arabia posted a net profit of SAR 2.94 million, compared with SAR 5.27 million in the same period last year. Quarterly profit also fell 20.8% from SAR 3.71 million in Q3 2025.

Insurance Operations

Item	2024	2025	Change‬
Insurance Revenues	383.41	392.97	2.5 %
Insurance Services Income	18.90	15.67	(17.1 %)
Investment Income	18.58	22.21	19.5 %
Net Profit of Insurance Services and Investment	36.16	36.69	1.5 %

Shareholders’ equity, with no minority interest, increased to SAR 476.93 million as of Dec. 31, 2025, from SAR 454.41 million a year earlier.

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