Financial Results : Bupa Arabia posts SAR 1.07B profit in 2025; Q4 at SAR 48.6M

Bupa Arabia posts SAR 1.07B profit in 2025; Q4 at SAR 48.6M

29/01/2026 Argaam Exclusive

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Bupa Arabia for Cooperative Insurance Co.’s net profit for 2025 came in at SAR 1.07 billion, down from SAR 1.16 billion in 2024.

 


Financials (M)

Item 2024 2025 Change‬
Gross Written Premium (GWP) 18,394.13 20,491.41 11.4 %
Insurance Revenues 18,101.52 19,303.06 6.6 %
Net Income 1,166.00 1,079.09 (7.5 %)
Average Shares 150.00 150.00 -
Earnings Per Share before unusual items (Riyals) 7.74 6.97 (9.9 %)
EPS (Riyal) 7.77 7.19 (7.5 %)

The profit decline is attributed to a 13.67% drop in insurance service results, driven by increased inflationary trends adversely affecting margins during the year.

 

Net insurance service results for the current year also fell 12.11% due to increased inflationary trends adversely affecting margins.

 

Other operating expenses stood at SAR 410.65 million, compared to SAR 348.64 million during the previous year, an increase of 17.78%, arising from increased expenditure to support business growth.

 

These unfavorable movements were partially offset by an 8.68% increase in net investment results to SAR 730.72 million, a 9.12% rise in net other revenue to SAR 55.43 million, and a 7.05% growth in total comprehensive income to SAR 1.16 billion.

 

Moreover, gross written premiums (GWPs) for the current year amounted to SAR 20.49 billion, compared to SAR 18.39 billion during the previous year, an increase of 11.40%.



Current Quarter Comparison (M)

Compared With The
Item Q4 2024 Q4 2025 Change‬
Gross Written Premium (GWP) 3,346.54 3,817.56 14.1 %
Insurance Revenues 4,612.85 5,133.45 11.3 %
Net Income 45.69 48.60 6.4 %
Average Shares 150.00 150.00 -
Earnings Per Share before unusual items (Riyal) 0.27 0.32 20.9 %
EPS (Riyal) 0.30 0.32 6.4 %

Q4 2025 net profit grew 6% to SAR 48.6 million, from SAR 45.69 million a year earlier.

 

Quarter-on-quarter, net income slumped 86.6% from SAR 364.01 million in Q3

Insurance Operations

Item 2024 2025 Change‬
Gross Written Premium (GWP) 18,394.13 20,491.41 11.4 %
Insurance Revenues 18,101.52 19,303.06 6.6 %
Insurance Services Income 998.10 877.25 (12.1 %)
Investment Income 672.37 730.73 8.7 %
Net Profit of Insurance Services and Investment 1,670.47 1,607.98 (3.7 %)

Total shareholders’ equity (no minority interest) stood at SAR 5.62 billion by Dec. 31, 2025, compared to SAR 5.15 billion a year earlier.

 

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