Financial Results : Al Rajhi Takaful posts SAR 288M profit in 9M 2025; Q3 at SAR 85.6M

Al Rajhi Takaful posts SAR 288M profit in 9M 2025; Q3 at SAR 85.6M

29/10/2025 Argaam Exclusive

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Al Rajhi Company for Cooperative Insurance’s (Al Rajhi Takaful) net profit rose to SAR 288 million from SAR 283.4 million in the prior-year period.



Financials (M)

Item 9m 2024 9m 2025 Change‬
Gross Written Premium (GWP) 7,934.45 8,231.50 3.7 %
Insurance Revenues 4,055.40 3,944.62 (2.7 %)
Net Profit Before Zakat & Tax 276.00 306.62 11.1 %
Net Income 283.39 288.00 1.6 %
Average Shares 100.00 100.00 -
Earnings Per Share before unusual items (Riyals) 2.60 2.88 10.6 %
EPS (Riyal) 2.83 2.88 1.6 %

The company attributed the increase to a 26.5% rise in insurance service results to SAR 293 million, supported by lower net reinsurance expenses, partially offset by weaker revenue.

 

Insurance revenue fell 2.7% year-on-year (YoY) to SAR 3.94 million, mainly due to lower business volumes in the motor and property and casualty segments.

 

Insurance service results before re-takaful dropped 20.3% to SAR 542.4 million, as lower revenue and higher service expenses weighed on performance. Net insurance finance expenses totaled SAR 223.6 million, reflecting returns on unit holders’ fund investments and fair value changes payable to unit holders.



Current Quarter Comparison (M)

Compared With The
Item Q3 2024 Q3 2025 Change‬
Gross Written Premium (GWP) 3,404.79 3,033.08 (10.9 %)
Insurance Revenues 1,409.51 1,358.50 (3.6 %)
Net Profit Before Zakat & Tax 86.50 91.62 5.9 %
Net Income 82.25 85.63 4.1 %
Average Shares 100.00 100.00 -
Earnings Per Share before unusual items (Riyal) 0.82 0.86 4.1 %
EPS (Riyal) 0.82 0.86 4.1 %

In Q3 2025, the company’s net profit rose 4% YoY to SAR 85.6 million from SAR 82.2 million in Q3 2024.

 

Sequentially, the insurer's profit declined 23.2% from SAR 111.57 million in Q2 2025.

Insurance Operations

Item 9m 2024 9m 2025 Change‬
Gross Written Premium (GWP) 7,934.45 8,231.50 3.7 %
Insurance Revenues 4,055.40 3,944.62 (2.7 %)
Insurance Services Income 231.63 293.04 26.5 %
Investment Income 557.63 89.73 (83.9 %)
Net Profit of Insurance Services and Investment 376.31 413.71 9.9 %

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

 

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