LIVA

LIVA Insurance Company

8280StocksTadawulInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	613.24M	477.48M	561.94M	349.75M	122.83M
Operating Expenses	577.93M	441.48M	537.49M	404.95M	150.50M
Pretax Income	30.73M	33.48M	17.43M	-37.24M	-27.66M
Income Tax	4.09M	0.72M	6.17M	5.71M	7.71M
Net Income	26.64M	32.76M	11.26M	-42.95M	-35.38M
Premium Revenue	575.03M	446.13M	513.63M	337.95M	93.68M
Policy Benefits	569.72M	418.98M	520.04M	385.95M	62.84M
Policy Cost	—	—	—	—	30.16M
EPS (Basic)	0.67	0.82	0.28	-1.07	-0.88
EPS (Diluted)	0.67	0.82	0.28	-1.07	-0.88
Margins & Efficiency
Net Margin %	+4.3%	+6.9%	+2.0%	-12.3%	-28.8%
Revenue & Income
Revenue as Reported	—	—	—	—	109.88M
Revenue Growth (YoY)	+28.4%	-15.0%	+60.7%	+184.7%	+19.6%
Revenue Insurance	613.24M	477.48M	561.94M	349.75M	122.83M
Premiums Annuity Rev	575.03M	446.13M	513.63M	337.95M	93.68M
Other Revenue Insurance	1.90M	-0.40M	19.92M	—	22.86M
Expenses & Provisions
SG&A Insurance	—	—	—	—	56.59M
Other Opex Insurance	8.21M	22.51M	17.45M	19.00M	—
Total Opex Insurance	577.93M	441.48M	537.49M	404.95M	150.50M
Interest Expense	-4.58M	-2.52M	-7.02M	—	—
Other Non Operating Income (Expenses)	—	—	—	17.96M	—
Policy Benefits	569.72M	418.98M	520.04M	385.95M	62.84M
Policy Cost	—	—	—	—	30.16M
Provision for Bad Debts	—	—	—	—	906.00K
D&A For EBITDA	1.35M	1.37M	2.15M	3.21M	2.93M
Deferred Policy Acquisition Cost	—	—	—	—	3.01M
Profitability & Returns
EBIT	35.32M	36.00M	24.45M	-55.20M	-27.66M
EBIT Margin	+5.8%	+7.5%	+4.4%	-15.8%	-22.5%
EBITDA	36.67M	37.37M	26.60M	-51.99M	-24.74M
EBITDA Margin	+6.0%	+7.8%	+4.7%	-14.9%	-20.1%
Pretax Income	30.73M	33.48M	17.43M	-37.24M	-27.66M
Opinc Insurance	35.32M	36.00M	24.45M	-55.20M	-27.66M
Operating Margin	+5.8%	+7.5%	+4.4%	-15.8%	-22.5%
Profit Margin	+4.3%	+6.9%	+2.0%	-12.3%	-28.8%
Net Income	26.64M	32.76M	11.26M	-42.95M	-35.38M
Net Income to Common	26.64M	32.76M	11.26M	-42.95M	-35.38M
Net Income Growth	-18.7%	+191.0%	—	—	—
Income Tax Expense	4.09M	0.72M	6.17M	5.71M	7.71M
Effective Tax Rate	+13.3%	+2.1%	+35.4%	—	—
Per Share & Capital
EPS (Basic)	0.67	0.82	0.28	-1.07	-0.88
EPS (Diluted)	0.67	0.82	0.28	-1.07	-0.88
EPS Growth	-18.7%	+192.5%	—	—	—
Shares Change (YoY)	—	-0.01	0	-0	-0.02
Shares Outstanding (Basic)	40.00M	40.00M	40.21M	40.14M	40.20M
Shares Outstanding (Diluted)	40.00M	40.00M	40.21M	40.14M	40.20M
Free Cash Flow	64.16M	38.12M	0.09M	40.91M	41.90M
Free Cash Flow Margin	+10.5%	+8.0%	0.0%	+11.7%	+34.1%
Free Cash Flow Per Share	1.60	0.95	0.00	1.02	1.04
Supplemental
Total Interest Dividend Income	36.31M	31.75M	28.39M	11.80M	6.30M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (SAR)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	613.24M	477.48M	561.94M	349.75M	122.83M
Operating Expenses	577.93M	441.48M	537.49M	404.95M	150.50M
Pretax Income	30.73M	33.48M	17.43M	-37.24M	-27.66M
Income Tax	4.09M	0.72M	6.17M	5.71M	7.71M
Net Income	26.64M	32.76M	11.26M	-42.95M	-35.38M
Premium Revenue	575.03M	446.13M	513.63M	337.95M	93.68M
Policy Benefits	569.72M	418.98M	520.04M	385.95M	62.84M
Policy Cost	—	—	—	—	30.16M
EPS (Basic)	0.67	0.82	0.28	-1.07	-0.88
EPS (Diluted)	0.67	0.82	0.28	-1.07	-0.88
Margins & Efficiency
Net Margin %	+4.3%	+6.9%	+2.0%	-12.3%	-28.8%
Revenue & Income
Revenue as Reported	—	—	—	—	109.88M
Revenue Growth (YoY)	+28.4%	-15.0%	+60.7%	+184.7%	+19.6%
Revenue Insurance	613.24M	477.48M	561.94M	349.75M	122.83M
Premiums Annuity Rev	575.03M	446.13M	513.63M	337.95M	93.68M
Other Revenue Insurance	1.90M	-0.40M	19.92M	—	22.86M
Expenses & Provisions
SG&A Insurance	—	—	—	—	56.59M
Other Opex Insurance	8.21M	22.51M	17.45M	19.00M	—
Total Opex Insurance	577.93M	441.48M	537.49M	404.95M	150.50M
Interest Expense	-4.58M	-2.52M	-7.02M	—	—
Other Non Operating Income (Expenses)	—	—	—	17.96M	—
Policy Benefits	569.72M	418.98M	520.04M	385.95M	62.84M
Policy Cost	—	—	—	—	30.16M
Provision for Bad Debts	—	—	—	—	906.00K
D&A For EBITDA	1.35M	1.37M	2.15M	3.21M	2.93M
Deferred Policy Acquisition Cost	—	—	—	—	3.01M
Profitability & Returns
EBIT	35.32M	36.00M	24.45M	-55.20M	-27.66M
EBIT Margin	+5.8%	+7.5%	+4.4%	-15.8%	-22.5%
EBITDA	36.67M	37.37M	26.60M	-51.99M	-24.74M
EBITDA Margin	+6.0%	+7.8%	+4.7%	-14.9%	-20.1%
Pretax Income	30.73M	33.48M	17.43M	-37.24M	-27.66M
Opinc Insurance	35.32M	36.00M	24.45M	-55.20M	-27.66M
Operating Margin	+5.8%	+7.5%	+4.4%	-15.8%	-22.5%
Profit Margin	+4.3%	+6.9%	+2.0%	-12.3%	-28.8%
Net Income	26.64M	32.76M	11.26M	-42.95M	-35.38M
Net Income to Common	26.64M	32.76M	11.26M	-42.95M	-35.38M
Net Income Growth	-18.7%	+191.0%	—	—	—
Income Tax Expense	4.09M	0.72M	6.17M	5.71M	7.71M
Effective Tax Rate	+13.3%	+2.1%	+35.4%	—	—
Per Share & Capital
EPS (Basic)	0.67	0.82	0.28	-1.07	-0.88
EPS (Diluted)	0.67	0.82	0.28	-1.07	-0.88
EPS Growth	-18.7%	+192.5%	—	—	—
Shares Change (YoY)	—	-0.01	0	-0	-0.02
Shares Outstanding (Basic)	40.00M	40.00M	40.21M	40.14M	40.20M
Shares Outstanding (Diluted)	40.00M	40.00M	40.21M	40.14M	40.20M
Free Cash Flow	64.16M	38.12M	0.09M	40.91M	41.90M
Free Cash Flow Margin	+10.5%	+8.0%	0.0%	+11.7%	+34.1%
Free Cash Flow Per Share	1.60	0.95	0.00	1.02	1.04
Supplemental
Total Interest Dividend Income	36.31M	31.75M	28.39M	11.80M	6.30M