Bupa Arabia for Cooperative Insurance Co. announces its Interim Consolidated Financial Results for the period ending on 2025-09-30 ( Nine Months ) | premargin

Bupa Arabia for Cooperative Insurance Co. announces its Interim Consolidated Financial Results for the period ending on 2025-09-30 ( Nine Months )

TadawulOctober 29, 2025View on exchange

Element List	Current Quarter	Similar quarter for previous year	%Change	Previous Quarter	% Change
Insurance Revenues	5,044,134	4,552,195	10.806	4,715,717	6.964
Result of Insurance Services	295,089	358,696	-17.732	231,115	27.68
Net Profit (Loss) of The Insurance Results	308,673	343,785	-10.213	229,078	34.745
Net Profit (Loss) of The Investment Results	187,312	173,687	7.844	184,571	1.485
Net Insurance Financing Expenses	-	-	-	-	-
Net Profit (Loss), After Zakat, Attributable To Shareholders	364,005	356,282	2.167	286,253	27.161
Total Comprehensive Income	442,193	513,431	-13.874	257,374	71.809
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Current Period	Similar period for previous year	%Change
Insurance Revenues	14,169,615	13,488,667	5.048
Result of Insurance Services	916,012	1,087,759	-15.789
Net Profit (Loss) of The Insurance Results	888,937	1,042,713	-14.747
Net Profit (Loss) of The Investment Results	558,100	514,688	8.434
Net Insurance Financing Expenses	-	-	-
Net Profit (Loss), After Zakat, Attributable To Shareholders	1,030,490	1,120,309	-8.017
Total Comprehensive Income	1,150,700	1,189,202	-3.237
Total Shareholders Equity (after Deducting Minority Equity)	5,662,460	5,151,013	9.929
Profit (Loss) per Share	6.9	7.48
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Amount	Percentage of the capital (%)
Profit (Losses) Resulting From The Change In Investment Propertie’s Fair Value	-	-
All figures are in (Thousands) Saudi Arabia, Riyals

Element List	Explanation
The reason of the increase (decrease) in the revenues during the current quarter compared to the same quarter of last year is	Insurance revenue for the current quarter amounted to SR 5,044,134K, compared to SR 4,552,195K during the similar quarter of the previous year, an increase of 10.81%, which was principally driven by business growth and increase in insured lives.
The reason of the increase (decrease) in the net profit during the current quarter compared to the same quarter of the last year is	Profit before zakat and income tax attributable to shareholders for the current quarter amounted to SR 402,243K, compared to SR 421,386K during the similar quarter of the previous year, a decrease of 4.54%. Net profit after zakat and income tax attributable to shareholders for the current quarter amounted to SR 364,005K, compared to SR 356,282K during the similar quarter of the previous year, an increase of 2.17%, which was due to the following main reasons: • Net investment results for the current quarter amounted to SR 187,312K, compared to SR 173,687K during the similar quarter of the previous year, an increase of 7.84%. • Other operating expenses for the current quarter amounted to SR 108,013K compared to SR 109,387K during the similar quarter of the previous year, a decrease of 1.26%. • Net other revenue for the current quarter amounted to SR 14,271K, compared to SR 13,301K during the similar quarter of the previous year, an increase of 7.29%. Furthermore, the current quarter results included positive impact of reversal of zakat provision arising from the settlement of prior years’ assessments. These favorable movements were partially offset by the following: • Insurance service result for the current quarter amounted to SR 295,089K compared to SR 358,696K during the similar quarter of the previous year, a decrease of 17.73%, which was principally driven by increased inflationary trends, adversely affecting margins during the current quarter. • Net insurance service result for the current quarter amounted to SR 308,673K, compared to SR 343,785K during the similar quarter of the previous year, a decrease of 10.21%, which was principally driven by increased inflationary trends, adversely affecting margins during the current quarter. Total comprehensive income for the current quarter amounted to SR 442,193K compared to SR 513,431K during the similar quarter of the previous year, a decrease of 13.87%. Moreover, Gross Written Premiums (GWP) for the current quarter amounted to SR 4,639,106K compared to SR 4,181,449K during the similar quarter of the previous year, an increase of 10.94%.
The reason of the increase (decrease) in the revenues during the current quarter compared to the previous quarter is	Insurance revenues for the current quarter amounted to SR 5,044,134K, compared to SR 4,715,717K during the previous quarter, an increase of 6.96%, which was principally driven by business growth and increase in insured lives.
The reason of the increase (decrease) in the net profit (loss) during the current quarter compared to the previous quarter is	Profit before zakat and income tax attributable to shareholders for the current quarter amounted to SR 402,243K, compared to SR 331,829K during the previous quarter, an increase of 21.22%. Net profit after zakat and income tax attributable to shareholders for the current quarter amounted to SR 364,005K, compared to SR 286,253K during the previous quarter, an Increase of 27.16%, which was due to the following main reasons: • Insurance service result for the current quarter amounted to SR 295,089K, compared to SR 231,115K during the previous quarter, an increase of 27.68%, primarily due to business growth, claims seasonality and improved inflation management. • Net insurance service result for the current quarter amounted to SR 308,673K, compared to SR 229,078K during the previous quarter, an increase of 34.75%, primarily due to business growth, claims seasonality and improved inflation management. • Net investment results for the current quarter amounted to SR 187,312K, compared to SR 184,571K during the previous quarter, an increase of 1.49%. • Net other revenue for the current quarter amounted to SR 14,271K, compared to SR 13,502K during the previous quarter, an increase of 5.70%. These favorable movements were partially offset by the following: • Other operating expenses for the current quarter amounted to SR 108,013K compared to SR 95,322K during the previous quarter, an increase of 13.31%. Total comprehensive income for the current quarter amounted to SR 442,193K compared to SR 257,374K during the previous quarter, an increase of 71.81%. Moreover, Gross Written Premiums (GWP) for the current quarter amounted to SR 4,639,106K compared to SR 5,593,789K during the previous quarter, a decrease of 17.07%.
The reason of the increase (decrease) in the revenues during the current period compared to the same period of the last year is	Insurance revenue for the current period amounted to SR 14,169,615K, compared to SR 13,488,667K during the similar period of the previous year, an increase of 5.05%, which was principally driven by business growth and increase in insured lives.
The reason of the increase (decrease) in the net profit during the current period compared to the same period of the last year is	Profit before zakat and income tax attributable to shareholders for the current period amounted to SR 1,177,770K, compared to SR 1,302,315K during the similar period of the previous year, a decrease of 9.56%. Net profit after zakat and income tax attributable to shareholders for the current period amounted to SR 1,030,490K, compared to SR 1,120,309K during the similar period of the previous year, a decrease of 8.02%, which was due to the following main reasons: • Insurance service result for the current period amounted to SR 916,012K, compared to SR 1,087,759K during the similar period of the previous year, a decrease of 15.79%, which was principally driven by increased inflationary trends affecting margins during the current period. • Net insurance service result for the current period amounted to SR 888,937K, compared to SR 1,042,713K during the similar period of the previous year, a decrease of 14.75%, which was principally driven by increased inflationary trends affecting margins during the current period. • Other operating expenses for the current period amounted to SR 309,755K compared to SR 293,487K during the similar period of the previous year, an increase of 5.54%, arising from increased expenditure to support business growth. These unfavorable movements were partially offset by the following: • Net investment results for the current period amounted to SR 558,100K, compared to SR 514,688K during the similar period of the previous year, an increase of 8.43%. • Net other revenue for the current period amounted to SR 40,488K, compared to SR 38,401K during the similar period of the previous year, an increase of 5.43%. Total comprehensive income for the current period amounted to SR 1,150,700K compared to SR 1,189,202K during the similar period of the previous year, a decrease of 3.24%. Moreover, Gross Written Premiums (GWP) for the current period amounted to SR 16,673,853K compared to SR 15,047,593K during the similar period of the previous year, an increase of 10.81%.
Statement of the type of external auditor's report	Unmodified conclusion
Comment mentioned in the external auditor’s report, mentioned in any of the following paragraphs (other matter, conservation, notice, disclaimer of opinion, or adverse opinion)	None
Reclassification of Comparison Items	No Reclassification
Additional Information	The earnings per share (EPS) for the current period is SR 6.90 per share versus SR 7.48 per share for the similar period of the previous year which is calculated by dividing the net income attributed to the shareholders after zakat and income tax of SR 1,030,490K over the weighted average number of ordinary outstanding shares of 149,299K for the current period and SR 1,120,309K over 149,793K shares for the similar period of the previous year. Total shareholders’ equity (no minority interest) as at end of current period is SR 5,662,460K versus SR 5,151,013K as at end of the similar period of the previous year, an increase of 9.93%. Total equity at end of current period is SR 5,709,960K versus SR 5,211,596K as at end of the similar period of the previous year, an increase of 9.56%.