Al Rajhi Takaful earns SAR 202.4M in H1 2025, SAR 111.6M in Q2

30/07/2025 Argaam Exclusive

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Al Rajhi Company for Cooperative Insurance reported a net profit of SAR 202.4 million in H1 2025, compared with SAR 201.1 million in the prior-year period.

Financials (M)

Item	6m 2024	6m 2025	Change‬
Gross Written Premium (GWP)	4,529.66	5,198.42	14.8 %
Insurance Revenues	2,645.89	2,586.12	(2.3 %)
Net Profit Before Zakat & Tax	189.49	215.01	13.5 %
Net Income	201.13	202.37	0.6 %
Average Shares	100.00	100.00	-
Earnings Per Share before unusual items (Riyals)	1.78	2.02	13.6 %
EPS (Riyal)	2.01	2.02	0.6 %

Insurance service results for the six-month period amounted to SAR 221 million, up 35.5% year-on-year (YoY) from SAR 163 million.

Total comprehensive income grew 2.16% YoY to SAR 199.9 million.

However, other operating expenses increased 13.13% YoY to SAR 74.7 million. In addition, the net insurance finance expenses of - SAR 264.8 million includes return on unit holders fund investments, along with fair value movements payable to the unit holders.

Insurance service results before Re-Takaful fell 37.21% YoY to SAR 383.7 million.

Current Quarter Comparison (M)

Compared With The

Item	Q2 2024	Q2 2025	Change‬
Gross Written Premium (GWP)	2,497.44	2,579.20	3.3 %
Insurance Revenues	1,343.17	1,380.21	2.8 %
Net Profit Before Zakat & Tax	74.23	118.21	59.3 %
Net Income	89.76	111.57	24.3 %
Average Shares	100.00	100.00	-
Earnings Per Share before unusual items (Riyal)	0.67	1.12	67.2 %
EPS (Riyal)	0.90	1.12	24.3 %

Item	Q1 2025	Q2 2025	Change‬
Gross Written Premium (GWP)	2,619.21	2,579.20	(1.5 %)
Insurance Revenues	1,205.91	1,380.21	14.5 %
Net Profit Before Zakat & Tax	96.79	118.21	22.1 %
Net Income	90.80	111.57	22.9 %
Average Shares	100.00	100.00	-
Earnings Per Share before unusual items (Riyal)	0.91	1.12	22.9 %
EPS (Riyal)	0.91	1.12	22.9 %

In the second quarter, the insurance services provider reported a net profit of SAR 111.6 million, leaping 24.3% from SAR 89.76 million in Q2 2024.

Sequentially, the insurer's profit rose 22.9% from SAR 90.80 million in Q1 2025.

Insurance Operations

Item	6m 2024	6m 2025	Change‬
Gross Written Premium (GWP)	4,529.66	5,198.42	14.8 %
Insurance Revenues	2,645.89	2,586.12	(2.3 %)
Insurance Services Income	163.10	221.01	35.5 %
Investment Income	264.26	(185.82)	(170.3 %)
Net Profit of Insurance Services and Investment	255.55	289.73	13.4 %

Total shareholders’ equity, no minority interest, increased to SAR 2.28 billion by the end of the three-month period, from SAR 1.92 billion a year earlier.

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