Tawuniya 2025 profit edges up 8% to SAR 1.1B; Q4 at SAR 200.7M

26/02/2026 Argaam Exclusive

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The Company for Cooperative Insurance (Tawuniya) reported a net profit of SAR 1.1 billion in 2025, an increase of 8% compared to SAR 1.02 billion a year earlier.

Financials (M)

Item	2024	2025	Change‬
Gross Written Premium (GWP)	19,821.55	23,841.61	20.3 %
Insurance Revenues	18,272.96	21,403.18	17.1 %
Net Income	1,022.03	1,103.11	7.9 %
Average Shares	150.00	150.00	-
Earnings Per Share before unusual items (Riyals)	6.57	7.35	11.9 %
EPS (Riyal)	6.81	7.35	7.9 %

Insurance revenues increased 17.13% year-on-year (YoY) to SAR 21.4 billion in 2025, as a result of growth in the company’s main sectors.

Tawuniya cited a 19.31% increase YoY in insurance services for 2025, in addition to 0.43% higher YoY insurance earnings.

Additionally, investment portfolio improved, which led to a 12.25% increase YoY in net investment income and 9.29% growth YoY in investment portfolio. The company further cited significant efforts to collect outstanding receivables.

Meanwhile, net insurance finance expenses for 2025 increased 44.53% YoY, weighing on profitability, due to the increase of liability for incurred claims. Moreover, total gross written premiums (GWPs) for 2025 jumped 20.28% YoY.

Current Quarter Comparison (M)

Compared With The

Item	Q4 2024	Q4 2025	Change‬
Gross Written Premium (GWP)	5,458.00	6,662.16	22.1 %
Insurance Revenues	4,778.53	5,650.45	18.2 %
Net Income	167.96	200.75	19.5 %
Average Shares	150.00	150.00	-
Earnings Per Share before unusual items (Riyal)	1.12	1.34	19.5 %
EPS (Riyal)	1.12	1.34	19.5 %

Item	Q3 2025	Q4 2025	Change‬
Gross Written Premium (GWP)	5,090.86	6,662.16	30.9 %
Insurance Revenues	5,405.37	5,650.45	4.5 %
Net Income	173.26	200.75	15.9 %
Average Shares	150.00	150.00	-
Earnings Per Share before unusual items (Riyal)	1.16	1.34	15.9 %
EPS (Riyal)	1.16	1.34	15.9 %

Insurance Operations

Item	2024	2025	Change‬
Gross Written Premium (GWP)	19,821.55	23,841.61	20.3 %
Insurance Revenues	18,272.96	21,403.18	17.1 %
Insurance Services Income	1,111.43	1,116.25	0.4 %
Investment Income	680.45	763.79	12.2 %
Net Profit of Insurance Services and Investment	1,721.46	1,778.27	3.3 %

Q4 2025 profit jumped 20% to SAR 200.7 million, compared to SAR 167.96 million in the prior-year period.

On a sequential basis, net profit increased 15.9% from SAR 173.26 million in Q3 2025.

Total shareholders’ equity amounted to SAR 5.35 billion as of Dec. 31, 2025, compared to SAR 4.47 billion in the year-earlier period.

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Financial results (Million)

Period	Net Income	Change	EPS(Riyal)	Net Profit Before Zakat & Tax	Change
Q1 2016	47.21	(46.2 %)	0.31	-	-
Q2 2016	229.12	12.0 %	1.53	-	-
Q3 2016	259.56	19.8 %	1.73	-	-
Q4 2016	196.89	120.3 %	1.31	-	-
2016	732.78	22.5 %	4.89	-	-
Q1 2017	142.61	202.1 %	0.95	160.30	-
Q2 2017	230.95	0.8 %	1.54	248.76	-
Q3 2017	141.51	(45.5 %)	0.94	159.71	-
Q4 2017	(715.74)	(463.5 %)	(4.77)	(715.78)	-
2017	(200.20)	(127.3 %)	(1.33)	(146.54)	-
Q1 2018	27.08	(81.0 %)	0.18	41.93	(73.8 %)
Q2 2018	23.46	(89.8 %)	0.16	38.27	(84.6 %)
Q3 2018	(36.52)	(125.8 %)	(0.24)	(22.87)	(114.3 %)
Q4 2018	(293.35)	59.0 %	(1.96)	(270.67)	62.2 %
2018	(279.33)	(39.5 %)	(1.86)	(213.34)	(45.6 %)
Q1 2019	29.04	7.3 %	0.19	46.03	9.8 %
Q2 2019	51.55	119.7 %	0.34	70.41	84.0 %
Q3 2019	92.97	354.6 %	0.62	109.11	577.1 %
Q4 2019	154.03	152.5 %	1.03	176.62	165.3 %
2019	327.59	217.3 %	2.18	402.17	288.5 %
Q1 2020	66.85	130.2 %	0.45	85.06	84.8 %
Q2 2020	188.20	265.1 %	1.25	210.11	198.4 %
Q3 2020	94.53	1.7 %	0.63	113.80	4.3 %
Q4 2020	43.75	(71.6 %)	0.29	105.50	(40.3 %)
2020	393.33	20.1 %	2.62	514.46	27.9 %
Q1 2021	59.14	(11.5 %)	0.39	80.81	(5.0 %)
Q2 2021	143.66	(23.7 %)	0.96	165.94	(21.0 %)
Q3 2021	64.37	(31.9 %)	0.43	89.91	(21.0 %)
Q4 2021	(0.61)	(101.4 %)	0.00	13.48	(87.2 %)
2021	266.56	(32.2 %)	1.78	350.14	(31.9 %)
Q1 2022	(13.67)	(123.1 %)	(0.09)	7.79	(90.4 %)
Q2 2022	64.47	(55.1 %)	0.43	88.43	(46.7 %)
Q3 2022	18.00	(72.0 %)	0.12	40.48	(55.0 %)
Q4 2022	233.40	38425.6 %	1.56	254.88	1790.5 %
2022	302.19	13.4 %	2.01	391.58	11.8 %
Q1 2023	74.47	644.6 %	0.50	101.35	1201.2 %
Q2 2023	245.85	281.4 %	1.64	275.86	211.9 %
Q3 2023	206.29	1046.2 %	1.38	229.88	467.9 %
Q4 2023	89.82	(61.5 %)	0.60	110.72	(56.6 %)
2023	616.43	104.0 %	4.11	717.81	83.3 %
Q1 2024	196.69	164.1 %	1.31	230.08	127.0 %
Q2 2024	459.81	87.0 %	3.07	455.46	65.1 %
Q3 2024	197.56	(4.2 %)	1.32	225.38	(2.0 %)
Q4 2024	167.96	87.0 %	1.12	197.86	78.7 %
2024	1,022.03	65.8 %	6.81	1,108.78	54.5 %
Q1 2025	261.69	33.0 %	1.74	294.36	27.9 %
Q2 2025	467.42	1.7 %	3.12	499.99	9.8 %
Q3 2025	173.26	(12.3 %)	1.16	211.90	(6.0 %)
Q4 2025	200.75	19.5 %	1.34	-	-
2025	1,103.11	7.9 %	7.35	-	-

Period	Net Income	Change	EPS(Riyal)	Net Profit Before Zakat & Tax	Change
2016	732.78	22.5 %	4.89	-	-
2017	(200.20)	(127.3 %)	(1.33)	(146.54)	-
2018	(279.33)	(39.5 %)	(1.86)	(213.34)	(45.6 %)
2019	327.59	217.3 %	2.18	402.17	288.5 %
2020	393.33	20.1 %	2.62	514.46	27.9 %
2021	266.56	(32.2 %)	1.78	350.14	(31.9 %)
2022	302.19	13.4 %	2.01	391.58	11.8 %
2023	616.43	104.0 %	4.11	717.81	83.3 %
2024	1,022.03	65.8 %	6.81	1,108.78	54.5 %
2025	1,103.11	7.9 %	7.35	-	-

Insurance Operations Performance (M)

Compared With The

Period	Gross Written Premium (GWP)	Change	Insurance Services Income	Change	Net Profit of Insurance Services and Investment	Change
Q1 2016	1,701.34	13.0 %	-	-	-	-
Q2 2016	2,135.50	18.5 %	-	-	-	-
Q3 2016	1,241.06	(15.8 %)	-	-	-	-
Q4 2016	2,977.23	7.7 %	-	-	-	-
2016	8,055.14	6.8 %	-	-	-	-
Q1 2017	2,028.38	19.2 %	-	-	-	-
Q2 2017	2,104.24	(1.5 %)	-	-	-	-
Q3 2017	1,421.12	14.5 %	-	-	-	-
Q4 2017	2,852.93	(4.2 %)	-	-	-	-
2017	8,406.67	4.4 %	-	-	-	-
Q1 2018	2,095.71	3.3 %	-	-	-	-
Q2 2018	1,755.86	(16.6 %)	-	-	-	-
Q3 2018	1,207.78	(15.0 %)	-	-	-	-
Q4 2018	2,581.89	(9.5 %)	-	-	-	-
2018	7,641.25	(9.1 %)	-	-	-	-
Q1 2019	2,457.03	17.2 %	-	-	-	-
Q2 2019	1,999.51	13.9 %	-	-	-	-
Q3 2019	1,422.64	17.8 %	-	-	-	-
Q4 2019	2,496.68	(3.3 %)	-	-	-	-
2019	8,375.86	9.6 %	-	-	-	-
Q1 2020	2,572.71	4.7 %	-	-	-	-
Q2 2020	2,469.83	23.5 %	-	-	-	-
Q3 2020	1,319.89	(7.2 %)	-	-	-	-
Q4 2020	2,699.35	8.1 %	-	-	-	-
2020	9,061.77	8.2 %	-	-	-	-
Q1 2021	2,920.72	13.5 %	-	-	-	-
Q2 2021	2,265.05	(8.3 %)	-	-	-	-
Q3 2021	1,864.71	41.3 %	-	-	-	-
Q4 2021	3,168.13	17.4 %	-	-	-	-
2021	10,218.61	12.8 %	-	-	-	-
Q1 2022	3,508.69	20.1 %	50.71	-	20.45	-
Q2 2022	3,224.59	42.4 %	179.27	-	127.85	-
Q3 2022	2,921.78	56.7 %	54.00	-	80.11	-
Q4 2022	4,700.45	48.4 %	33.15	-	275.04	-
2022	14,355.51	40.5 %	317.13	-	509.79	-
Q1 2023	5,364.12	52.9 %	162.31	220.1 %	126.19	517.2 %
Q2 2023	4,629.22	43.6 %	459.71	156.4 %	343.45	168.6 %
Q3 2023	3,219.95	10.2 %	146.04	170.4 %	321.10	300.8 %
Q4 2023	5,386.36	14.6 %	(34.94)	(205.4 %)	235.19	(14.5 %)
2023	18,359.52	27.9 %	681.17	114.8 %	1,025.92	101.2 %
Q1 2024	4,595.21	(14.3 %)	255.71	57.5 %	274.77	117.8 %
Q2 2024	5,732.09	23.8 %	491.95	7.0 %	583.36	69.9 %
Q3 2024	4,071.46	26.4 %	210.14	43.9 %	351.84	9.6 %
Q4 2024	5,458.00	1.3 %	219.17	727.2 %	389.73	65.7 %
2024	19,821.55	8.0 %	1,111.43	63.2 %	1,721.46	67.8 %
Q1 2025	6,551.69	42.6 %	290.16	13.5 %	427.36	55.5 %
Q2 2025	5,370.92	(6.3 %)	485.04	(1.4 %)	694.98	19.1 %
Q3 2025	5,090.86	25.0 %	341.67	62.6 %	442.49	25.8 %
Q4 2025	6,662.16	22.1 %	41.20	(81.2 %)	239.31	(38.6 %)
2025	23,841.61	20.3 %	1,116.25	0.4 %	1,778.27	3.3 %

Period	Gross Written Premium (GWP)	Change	Insurance Services Income	Change	Net Profit of Insurance Services and Investment	Change
2016	8,055.14	6.8 %	-	-	-	-
2017	8,406.67	4.4 %	-	-	-	-
2018	7,641.25	(9.1 %)	-	-	-	-
2019	8,375.86	9.6 %	-	-	-	-
2020	9,061.77	8.2 %	-	-	-	-
2021	10,218.61	12.8 %	-	-	-	-
2022	14,355.51	40.5 %	317.13	-	509.79	-
2023	18,359.52	27.9 %	681.17	114.8 %	1,025.92	101.2 %
2024	19,821.55	8.0 %	1,111.43	63.2 %	1,721.46	67.8 %
2025	23,841.61	20.3 %	1,116.25	0.4 %	1,778.27	3.3 %

Per Share Data (Riyal)

Compared With The

Period	Shares Outstanding (M)	EPS (Riyal)	Earnings Per Share before unusual items (Riyal)	Book Value (BV)
Q1 2016	150.00	3.72	3.72	14.99
Q2 2016	150.00	3.88	3.88	16.60
Q3 2016	150.00	4.17	4.17	18.20
Q4 2016	150.00	4.89	4.89	19.52
Q1 2017	150.00	5.52	5.52	17.63
Q2 2017	150.00	5.53	5.53	19.04
Q3 2017	150.00	4.75	4.75	20.00
Q4 2017	150.00	(1.34)	(1.34)	14.75
Q1 2018	150.00	(2.11)	(2.11)	15.23
Q2 2018	150.00	(3.49)	(3.49)	14.74
Q3 2018	150.00	(4.68)	(4.68)	14.41
Q4 2018	150.00	(1.86)	(1.86)	12.66
Q1 2019	150.00	(1.85)	(1.85)	13.54
Q2 2019	150.00	(1.66)	(1.66)	14.09
Q3 2019	150.00	(0.80)	(0.80)	14.82
Q4 2019	150.00	2.18	2.18	16.00
Q1 2020	150.00	2.44	2.44	16.23
Q2 2020	150.00	3.35	3.35	17.37
Q3 2020	150.00	3.36	3.36	18.23
Q4 2020	150.00	2.62	2.62	18.89
Q1 2021	150.00	2.57	2.57	19.18
Q2 2021	150.00	2.27	2.27	19.70
Q3 2021	150.00	2.07	2.07	19.62
Q4 2021	150.00	1.78	1.78	19.69
Q1 2022	150.00	1.29	1.29	19.04
Q2 2022	150.00	0.76	0.76	19.46
Q3 2022	150.00	0.45	0.45	19.56
Q4 2022	150.00	2.01	2.01	20.88
Q1 2023	150.00	2.60	2.60	21.39
Q2 2023	150.00	3.81	3.81	22.32
Q3 2023	150.00	5.07	5.07	23.69
Q4 2023	150.00	4.11	4.11	24.15
Q1 2024	150.00	4.92	4.92	25.46
Q2 2024	150.00	6.35	6.11	27.41
Q3 2024	150.00	6.29	6.05	28.66
Q4 2024	150.00	6.81	6.57	29.85
Q1 2025	150.00	7.25	7.01	31.62
Q2 2025	150.00	7.30	7.30	33.09
Q3 2025	150.00	7.14	7.14	34.28
Q4 2025	150.00	7.35	7.35	35.72

Period	Shares Outstanding (M)	EPS (Riyal)	Earnings Per Share before unusual items (Riyal)	Book Value (BV)
2016	150.00	4.89	4.89	19.52
2017	150.00	(1.33)	(1.33)	14.75
2018	150.00	(1.86)	(1.86)	12.66
2019	150.00	2.18	2.18	16.00
2020	150.00	2.62	2.62	18.89
2021	150.00	1.78	1.78	19.69
2022	150.00	2.01	2.01	20.88
2023	150.00	4.11	4.11	24.15
2024	150.00	6.81	6.57	29.85
2025	150.00	7.35	7.35	35.72

Multiple Ratios (End of Period Price)

Compared With The

Period	P/E	Recurring P/E
Q1 2016	14.34	14.34
Q2 2016	15.49	15.49
Q3 2016	13.16	13.16
Q4 2016	14.80	14.80
Q1 2017	14.12	14.12
Q2 2017	15.51	15.51
Q3 2017	17.18	17.18
Q4 2017	NEG	NEG
Q1 2018	NEG	NEG
Q2 2018	NEG	NEG
Q3 2018	NEG	NEG
Q4 2018	NEG	NEG
Q1 2019	NEG	NEG
Q2 2019	NEG	NEG
Q3 2019	NEG	NEG
Q4 2019	29.27	29.27
Q1 2020	20.73	20.73
Q2 2020	17.70	17.70
Q3 2020	21.57	21.57
Q4 2020	25.33	25.33
Q1 2021	25.44	25.44
Q2 2021	30.34	30.34
Q3 2021	34.77	34.77
Q4 2021	36.34	36.34
Q1 2022	46.58	46.58
Q2 2022	More than 100	More than 100
Q3 2022	More than 100	More than 100
Q4 2022	33.30	33.30
Q1 2023	33.69	33.69
Q2 2023	30.61	30.61
Q3 2023	24.87	24.87
Q4 2023	31.68	31.68
Q1 2024	31.92	31.92
Q2 2024	21.92	22.79
Q3 2024	23.46	24.39
Q4 2024	21.66	22.46
Q1 2025	19.68	20.36
Q2 2025	21.65	21.65
Q3 2025	19.06	19.06
Q4 2025	15.91	15.91

Period	P/E	Recurring P/E
2016	14.80	14.80
2017	NEG	NEG
2018	NEG	NEG
2019	29.27	29.27
2020	25.33	25.33
2021	36.34	36.34
2022	33.30	33.30
2023	31.68	31.68
2024	21.66	22.46
2025	15.91	15.91

Business Segments - Gross Premium Written (Million)

Compared With The

Period	Medical Insurance	Medical - umrah	Comprehensive Motor Insurance	Property Sector and accident victims	general accident - umrah	saving and investment	Travel & COVID-19
Q1 2021	2,499.81	0.46	146.01	272.40	0.29	1.76	-
Q2 2021	1,563.48	0.81	154.01	506.77	0.66	15.03	24.30
Q3 2021	1,244.91	2.03	140.82	435.24	1.75	3.45	36.51
Q4 2021	2,511.51	15.81	177.78	395.60	13.65	15.49	38.29
Q1 2022	2,781.71	68.46	243.51	310.04	59.13	7.02	37.17
Q2 2022	2,154.96	105.43	219.86	554.06	148.32	1.99	38.31
Q3 2022	1,640.47	101.89	223.67	782.48	104.79	17.36	49.88
Q4 2022	3,341.10	267.43	354.81	486.91	230.96	23.81	-
Q1 2023	4,025.23	218.61	510.69	501.66	104.93	3.00	-
Q2 2023	3,080.88	68.96	729.27	683.45	65.23	1.04	-
Q4 2023	3,914.32	170.26	631.47	575.15	58.76	36.41	-
Q1 2024	3,174.39	17.43	738.22	636.08	6.02	23.08	-
Q2 2024	4,194.18	0.03	553.75	963.34	0.01	20.79	-
Q3 2024	2,714.30	-	652.00	667.50	-	37.67	-
Q4 2024	3,879.85	-	722.60	827.22	-	28.32	-
Q1 2025	5,304.53	-	704.19	496.93	-	46.04	-
Q2 2025	3,612.81	-	584.45	1,133.08	-	40.58	-
Q3 2025	3,635.83	-	644.19	750.33	-	60.50	-

Period	Medical Insurance	Medical - umrah	Comprehensive Motor Insurance	Property Sector and accident victims	general accident - umrah	saving and investment	Travel & COVID-19
2021	7,819.71	19.11	618.61	1,610.00	16.36	35.72	99.11
2022	9,918.23	543.20	1,041.86	2,133.49	543.20	50.18	125.36
2023	12,471.92	550.07	2,803.66	2,208.90	260.84	64.13	-
2024	13,962.72	17.46	2,631.35	3,094.13	6.03	109.86	-

Financial Ratios

	Current
Market Cap (M Riyal)	20,355.02
Shares Outstanding (M)	150.00
EPS ( Riyal) (TTM)	7.35
Book Value (BV) ( Riyal)	35.72
Par Value ( Riyal)	10.00
Recurring P/E	18.45
P/E (TTM)	18.45
Price/Book	3.80
Return on Average Assets (%) (TTM)	5.2
Return on Average Equity (%) (TTM)	22.4
Return on Market Cap (%)	6.3

The Company for Cooperative Insurance (TAWUNIYA)

Company	Estimated	Actual
TAWUNIYA	154.10	200.75
SAUDI KAYAN	(496.50)	(685.49)
LUMI	48.32	38.02
SAUDI GERMAN HEALTH	57.43	37.79
MARAFIQ	54.00	51.22
JAMJOOM PHARMA	72.76	68.07
SSP	25.90	44.66
SHAKER	16.30	16.83
LEEJAM SPORTS	88.58	78.79
CARE	86.37	70.96

Company	Estimated	Actual
TAWUNIYA	154.10	200.75
SAUDI KAYAN	(496.50)	(685.49)
LUMI	48.32	38.02
SAUDI GERMAN HEALTH	57.43	37.79
MARAFIQ	54.00	51.22
JAMJOOM PHARMA	72.76	68.07
SSP	25.90	44.66
SHAKER	16.30	16.83
LEEJAM SPORTS	88.58	83.89
CARE	86.37	70.96

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Tawuniya 2025 profit edges up 8% to SAR 1.1B; Q4 at SAR 200.7M

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Financials (M)

Current Quarter Comparison (M)

Insurance Operations

Financial results (Million)

Financial results (Million)

Insurance Operations Performance (M)

Insurance Operations Performance (M)

Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

Ratios And Multiples

Business Segments - Gross Premium Written (Million)

Revenue by Business Segment (Latest) 2025 Q4

Financial Ratios

Share Price

The Company for Cooperative Insurance (TAWUNIYA)

Quarterly Actuals vs Estimates

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Tawuniya 2025 profit edges up 8% to SAR 1.1B; Q4 at SAR 200.7M

View other reports

Financials (M)

Current Quarter Comparison (M)

Insurance Operations

Financial results (Million)

Financial results (Million)

Insurance Operations Performance (M)

Insurance Operations Performance (M)

Per Share Data (Riyal)

Per Share Data (Riyal)

Multiple Ratios (End of Period Price)

Ratios And Multiples

Business Segments - Gross Premium Written (Million) Q3 2025

Revenue by Business Segment (Latest) 2025 Q4

Financial Ratios

Share Price

The Company for Cooperative Insurance (TAWUNIYA)

Quarterly Actuals vs Estimates

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Business Segments - Gross Premium Written (Million)