Bupa Arabia for Cooperative Insurance Co. reported a net profit of SAR 1.03 billion for the first nine months of 2025, a decline of 8% from SAR 1.12 million in the year-earlier period.
| Item | 9m 2024 | 9m 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 15,047.59 | 16,673.85 | 10.8 % |
| Insurance Revenues | 13,488.67 | 14,169.62 | 5.0 % |
| Net Profit Before Zakat & Tax | 1,302.32 | 1,177.77 | (9.6 %) |
| Net Income | 1,120.31 | 1,030.49 | (8.0 %) |
| Average Shares | 150.00 | 150.00 | - |
| Earnings Per Share before unusual items (Riyals) | 7.47 | 6.87 | (8.0 %) |
| EPS (Riyal) | 7.47 | 6.87 | (8.0 %) |
Insurance service results for the current period amounted to SAR 916.01 million, compared to SAR 1.087 billion a year earlier, a decrease of 15.79%, which was principally driven by increased inflationary trends affecting margins during the current period.
Net insurance service results were lower by 14.75% year-on-year (YoY) at SAR 888.93 million in 9M 2025, due to increased inflationary trends affecting margins during the current period.
Other operating expenses rose 5.5% YoY to SAR 309.75 million, following increased expenditure to support business growth.
Net investment results reached SAR 558.1 million, from SAR 514.68 million during the similar period of the previous year, an increase of 8.43%.
Net other revenue for the current period stood at SAR 40.48 million, compared to SAR 38.40 million a year earlier, an increase of 5.43%.
| Item | Q3 2024 | Q3 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 4,181.45 | 4,639.11 | 10.9 % |
| Insurance Revenues | 4,552.20 | 5,044.13 | 10.8 % |
| Net Profit Before Zakat & Tax | 421.39 | 402.24 | (4.5 %) |
| Net Income | 356.28 | 364.01 | 2.2 % |
| Average Shares | 150.00 | 150.00 | - |
| Earnings Per Share before unusual items (Riyal) | 2.38 | 2.43 | 2.2 % |
| EPS (Riyal) | 2.38 | 2.43 | 2.2 % |
| Item | Q2 2025 | Q3 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 5,593.79 | 4,639.11 | (17.1 %) |
| Insurance Revenues | 4,715.72 | 5,044.13 | 7.0 % |
| Net Profit Before Zakat & Tax | 331.83 | 402.24 | 21.2 % |
| Net Income | 286.25 | 364.01 | 27.2 % |
| Average Shares | 150.00 | 150.00 | - |
| Earnings Per Share before unusual items (Riyal) | 1.91 | 2.43 | 27.2 % |
| EPS (Riyal) | 1.91 | 2.43 | 27.2 % |
Q3 2025 net profit grew 2.2% to SAR 364.01 million, from SAR 356.3 million.
On a sequential basis, net earnings jumped by 27.2%, from SAR 286.25 million.
| Item | 9m 2024 | 9m 2025 | Change |
|---|---|---|---|
| Gross Written Premium (GWP) | 15,047.59 | 16,673.85 | 10.8 % |
| Insurance Revenues | 13,488.67 | 14,169.62 | 5.0 % |
| Insurance Services Income | 1,042.71 | 888.94 | (14.7 %) |
| Investment Income | 514.69 | 558.10 | 8.4 % |
| Net Profit of Insurance Services and Investment | 1,557.40 | 1,447.04 | (7.1 %) |
Total shareholders’ equity (no minority interest) stood at SAR 5.66 billion by Sept. 30, 2025, compared to SAR 5.15 billion a year earlier.
| Company | Estimated | Actual | Change |
|---|---|---|---|
| BUPA ARABIA | 372.39 | 364.01 | |
| NAHDI | 201.00 | 161.20 | |
| SIIG | 22.83 | 8.00 | |
| CITY CEMENT | 29.43 | 8.75 | |
| SOLUTIONS | 452.24 | 417.00 | |
| AMAK | 83.00 | 81.37 | |
| ASTRA INDUSTRIAL | 158.25 | 167.44 | |
| MIAHONA | 6.00 | 4.56 | |
| LEEJAM SPORTS | 106.35 | 81.00 | |
| FIRST MILLS | 68.05 | 71.66 |
| Company | Estimated | Actual | Change |
|---|---|---|---|
| BUPA ARABIA | 372.39 | 364.01 | |
| NAHDI | 201.00 | 161.20 | |
| SIIG | 22.83 | 8.00 | |
| CITY CEMENT | 29.43 | 8.75 | |
| SOLUTIONS | 452.24 | 417.00 | |
| AMAK | 83.00 | 81.37 | |
| ASTRA INDUSTRIAL | 158.25 | 167.44 | |
| MIAHONA | 6.00 | 4.56 | |
| LEEJAM SPORTS | 106.35 | 81.00 | |
| FIRST MILLS | 68.05 | 71.66 |
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