The Company for Cooperative Insurance (Tawuniya) reported a net profit of SAR 902.4 million in the first nine months of 2025, compared to SAR 854.1 million in the year-earlier period.
| Item | 9m 2024 | 9m 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 14,363.55 | 17,179.46 | 19.6 % |
| Insurance Revenues | 13,494.43 | 15,752.73 | 16.7 % |
| Net Income | 854.06 | 902.37 | 5.7 % |
| Average Shares | 150.00 | 150.00 | - |
| Earnings Per Share before unusual items (Riyals) | 5.45 | 6.02 | 10.3 % |
| EPS (Riyal) | 5.69 | 6.02 | 5.7 % |
The company’s higher profits were driven by a 16.74% increase in insurance revenues to SAR 15.75 billion, supported by new customer acquisition and growth in key business segments.
Income from insurance services rose 37.85% to SAR 2.74 billion, driven by higher revenues, lower claims, and improved claims management.
| Item | Q3 2024 | Q3 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 4,071.46 | 5,090.86 | 25.0 % |
| Insurance Revenues | 4,696.24 | 5,405.37 | 15.1 % |
| Net Income | 197.56 | 173.26 | (12.3 %) |
| Average Shares | 150.00 | 150.00 | - |
| Earnings Per Share before unusual items (Riyal) | 1.32 | 1.16 | (12.3 %) |
| EPS (Riyal) | 1.32 | 1.16 | (12.3 %) |
| Item | Q2 2025 | Q3 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 5,370.92 | 5,090.86 | (5.2 %) |
| Insurance Revenues | 5,225.94 | 5,405.37 | 3.4 % |
| Net Income | 467.42 | 173.26 | (62.9 %) |
| Average Shares | 150.00 | 150.00 | - |
| Earnings Per Share before unusual items (Riyal) | 3.12 | 1.16 | (62.9 %) |
| EPS (Riyal) | 3.12 | 1.16 | (62.9 %) |
Net insurance profits increased 20.49% to SAR 1.07 billion, reflecting stronger performance across the company’s core insurance activities.
In addition, a strong and diversified investment portfolio boosted net investment income by 12.51% to SAR 554 million, supported by an increased portfolio size of SAR 12.43 billion and improved yields.
| Item | 9m 2024 | 9m 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 14,363.55 | 17,179.46 | 19.6 % |
| Insurance Revenues | 13,494.43 | 15,752.73 | 16.7 % |
| Insurance Services Income | 892.26 | 1,075.05 | 20.5 % |
| Investment Income | 492.40 | 553.99 | 12.5 % |
| Net Profit of Insurance Services and Investment | 1,331.74 | 1,538.97 | 15.6 % |
Tawuniya’s net profit in Q3 2025 fell 12% to SAR 173.3 million, from SAR 197.56 million a year earlier.
Sequentially, net earnings dropped 62.9% from SAR 467.42 million in Q2 2025.
Total shareholders’ equity at the end of 9M 2025 amounted to SAR 5.14 billion, compared to SAR 4.29 billion the previous year.
| Company | Estimated | Actual | Change |
|---|---|---|---|
| LUMI | 52.56 | 52.71 | |
| MIS | 22.60 | 25.10 | |
| QACCO | 47.63 | 41.39 | |
| MOUWASAT | 185.26 | 199.66 | |
| TAWUNIYA | 212.10 | 173.26 | |
| ALUJAIN | 22.67 | 16.39 | |
| SAUDI RE | 66.00 | 30.77 | |
| SSP | 30.20 | 26.00 | |
| BUPA ARABIA | 311.58 | 364.01 | |
| NAHDI | 201.00 | 161.20 |
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