Financial Results : LIVA H1 2025 earnings drop 53% to SAR 5.3M; Q2 at SAR 3.4M

LIVA H1 2025 earnings drop 53% to SAR 5.3M; Q2 at SAR 3.4M

04/08/2025 Argaam Exclusive

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LIVA Insurance Co.’s net profit fell 53% to SAR 5.3 million in H1 2025, compared to SAR 11.3 million in H1 2024.


Financials (M)

Item 6m 2024 6m 2025 Change‬
Gross Written Premium (GWP) 140.18 268.23 91.3 %
Insurance Revenues 213.34 261.37 22.5 %
Net Profit Before Zakat & Tax 15.09 6.51 (56.9 %)
Net Income 11.25 5.26 (53.3 %)
Average Shares 40.00 40.00 -
Earnings Per Share before unusual items (Riyals) 0.28 0.13 (53.3 %)
EPS (Riyal) 0.28 0.13 (53.3 %)

The insurance service result in H1 2025 fell to SAR 3.64 million from SAR 13.70 million in H1 2024.

 

However, the company posted higher insurance revenue in H1 2025, driven by growth in group life as well as property and casualty businesses.

 

Total investment income amounted to SAR 17.49 million, up from SAR 15.44 million a year earlier.

 

Other operating expenses amounted to SAR 5.93 million during the six-month period compared to SAR 12.20 million a year before.



Current Quarter Comparison (M)

Compared With The
Item Q2 2024 Q2 2025 Change‬
Gross Written Premium (GWP) 46.04 103.01 123.7 %
Insurance Revenues 102.80 136.23 32.5 %
Net Profit Before Zakat & Tax 8.11 3.63 (55.3 %)
Net Income 6.60 3.42 (48.3 %)
Average Shares 40.00 40.00 -
Earnings Per Share before unusual items (Riyal) 0.17 0.09 (48.3 %)
EPS (Riyal) 0.17 0.09 (48.3 %)

In Q2 2025, the bottom line dropped 48% to SAR 3.4 million from SAR 6.60 million in Q2 2024, mainly due to a rise of SAR 36.53 million in insurance service expenses.

 

On a quarterly basis, net earnings climbed 85.4% from SAR 1.84 million in Q1 2025.

Insurance Operations

Item 6m 2024 6m 2025 Change‬
Gross Written Premium (GWP) 140.18 268.23 91.3 %
Insurance Revenues 213.34 261.37 22.5 %
Insurance Services Income 13.61 (4.85) (135.6 %)
Investment Income 15.45 17.49 13.2 %
Net Profit of Insurance Services and Investment 27.20 11.24 (58.7 %)

Shareholders’ equity, with no minority interest, grew to SAR 448.3 million as of June 30, 2025, compared to SAR 401.24 million in the year-earlier period.

 

Accumulated losses reached SAR 17.13 million by the end of the six-month period, representing 4.3% of the company’s capital.

 

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