Financial Results : Bupa Arabia H1 2025 profit drops 13% to SAR 666.5M; Q2 at SAR 286.3M

Bupa Arabia H1 2025 profit drops 13% to SAR 666.5M; Q2 at SAR 286.3M

05/08/2025 Argaam Exclusive

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Bupa Arabia for Cooperative Insurance Co. reported a 13% decline in its H1 2025 net profit to SAR 666.5 million from SAR 764 million in the prior-year period.



Financials (M)

Item 6m 2024 6m 2025 Change‬
Gross Written Premium (GWP) 10,866.14 12,034.75 10.8 %
Insurance Revenues 8,936.47 9,125.48 2.1 %
Net Profit Before Zakat & Tax 880.93 775.53 (12.0 %)
Net Income 764.03 666.49 (12.8 %)
Average Shares 150.00 150.00 -
Earnings Per Share before unusual items (Riyals) 5.09 4.44 (12.8 %)
EPS (Riyal) 5.09 4.44 (12.8 %)

Insurance service results decreased 14.83% year-on-year (YoY) to SAR 620.92 million, driven by the increased inflationary trends affecting margins.Net insurance service results amounted to SAR 580.26 million, down 16.98% YoY.

 

Other operating expenses rose 9.58% YoY to SAR 201.74 million, arising from increased expenditure to support business growth.

 

These movements were partially offset by an 8.74% increase in net investment results to SAR 370.78 million.

 

Additionally, net other revenue stood at SAR 26.21 million, up 4.45% YoY.

 

Moreover, gross written premiums (GWP) amounted to SAR 12.03 billion, an increase of 10.75% YoY.



Current Quarter Comparison (M)

Compared With The
Item Q2 2024 Q2 2025 Change‬
Gross Written Premium (GWP) 3,616.70 5,593.79 54.7 %
Insurance Revenues 4,562.41 4,715.72 3.4 %
Net Profit Before Zakat & Tax 464.81 331.83 (28.6 %)
Net Income 404.60 286.25 (29.3 %)
Average Shares 150.00 150.00 -
Earnings Per Share before unusual items (Riyal) 2.70 1.91 (29.3 %)
EPS (Riyal) 2.70 1.91 (29.3 %)

The insurer's Q2 2025 net earnings fell 29% to SAR 286.3 million, compared with SAR 404.6 million in Q2 2024.

Insurance Operations

Item 6m 2024 6m 2025 Change‬
Gross Written Premium (GWP) 10,866.14 12,034.75 10.8 %
Insurance Revenues 8,936.47 9,125.48 2.1 %
Insurance Services Income 698.93 580.26 (17.0 %)
Investment Income 341.00 370.79 8.7 %
Net Profit of Insurance Services and Investment 1,039.93 951.05 (8.5 %)

Sequentially, net profit for Q2 2025 declined 24.7% from SAR 380.23 million in Q1 2025.

 

Total shareholders' equity, no minority interest, reached SAR 5.24 billion as of June 30, 2025, up from SAR 4.79 billion a year earlier.

 

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