Liva Insurance Company (TADAWUL:8280)

Liva Insurance Company Income Statement

Financials in millions SAR. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	446.13	513.63	337.95	93.68	67.5
Total Interest & Dividend Income	-	21.37	11.8	6.3	10.6
Other Revenue	-	-	-	22.86	24.63
Total Revenue	446.13	535	349.75	122.83	102.74
Revenue Growth (YoY)	-16.61%	52.97%	184.73%	19.56%	-35.25%
Policy Benefits	-	519.52	385.95	62.84	22.58
Policy Acquisition & Underwriting Costs	-	-	-	30.16	16.47
Selling, General & Administrative	-	-	-	56.59	61.16
Provision for Bad Debts	-	-	-	0.91	1.08
Other Operating Expenses	-	17.46	19	-	-
Total Operating Expenses	-	536.97	404.95	150.5	101.29
Operating Income	446.13	-1.98	-55.2	-27.66	1.45
Other Non Operating Income (Expenses)	-412.65	19.41	17.96	-	-
Pretax Income	33.48	17.43	-37.24	-27.66	1.45
Income Tax Expense	0.72	6.17	5.71	7.71	7.59
Net Income	32.76	11.26	-42.95	-35.38	-6.15
Net Income to Common	32.76	11.26	-42.95	-35.38	-6.15
Net Income Growth	191.00%	-	-	-	-
Shares Outstanding (Basic)	40	40	40	40	41
Shares Outstanding (Diluted)	40	40	40	40	41
Shares Change (YoY)	-0.63%	0.18%	-0.16%	-1.88%	3.67%
EPS (Basic)	0.82	0.28	-1.07	-0.88	-0.15
EPS (Diluted)	0.82	0.28	-1.07	-0.88	-0.15
EPS Growth	192.86%	-	-	-	-
Free Cash Flow	38.88	12.02	40.91	41.9	-38.6
Free Cash Flow Per Share	0.97	0.30	1.02	1.04	-0.94
Operating Margin	100.00%	-0.37%	-15.78%	-22.52%	1.41%
Profit Margin	7.34%	2.10%	-12.28%	-28.80%	-5.98%
Free Cash Flow Margin	8.72%	2.25%	11.70%	34.11%	-37.57%
EBITDA	447.48	0.17	-51.99	-24.74	3.09
EBITDA Margin	100.30%	0.03%	-14.87%	-20.14%	3.01%
D&A For EBITDA	1.35	2.15	3.21	2.93	1.65
EBIT	446.13	-1.98	-55.2	-27.66	1.45
EBIT Margin	100.00%	-0.37%	-15.78%	-22.52%	1.41%
Effective Tax Rate	2.14%	35.40%	-	-	524.45%
Revenue as Reported	-	-	-	109.88	84.83

Source: S&P Capital IQ. Insurance template. Financial Sources.