Liva Insurance Company (TADAWUL:8280)

Liva Insurance Company Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	524.48	446.13	513.63	337.95	93.68	67.5
Total Interest & Dividend Income	32.95	31.75	28.39	11.8	6.3	10.6
Other Revenue	1.15	-0.4	19.92	-	22.86	24.63
Total Revenue	558.58	477.48	561.94	349.75	122.83	102.74
Revenue Growth (YoY)	13.15%	-15.03%	60.67%	184.73%	19.56%	-35.25%
Policy Benefits	515.81	418.98	520.04	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	16.88	22.51	17.45	19	-	-
Total Operating Expenses	532.69	441.48	537.49	404.95	150.5	101.29
Operating Income	25.89	36	24.45	-55.2	-27.66	1.45
Interest Expense	-1.1	-2.52	-7.02	-	-	-
Other Non Operating Income (Expenses)	0.03	-	-	17.96	-	-
Pretax Income	24.82	33.48	17.43	-37.24	-27.66	1.45
Income Tax Expense	-2.56	0.72	6.17	5.71	7.71	7.59
Net Income	27.38	32.76	11.26	-42.95	-35.38	-6.15
Net Income to Common	27.38	32.76	11.26	-42.95	-35.38	-6.15
Net Income Growth	-4.32%	191.00%	-	-	-	-
Shares Outstanding (Basic)	40	40	40	40	40	41
Shares Outstanding (Diluted)	40	40	40	40	40	41
Shares Change (YoY)	-2.75%	-0.63%	0.18%	-0.16%	-1.88%	3.67%
EPS (Basic)	0.68	0.82	0.28	-1.07	-0.88	-0.15
EPS (Diluted)	0.68	0.82	0.28	-1.07	-0.88	-0.15
EPS Growth	-1.61%	192.86%	-	-	-	-
Free Cash Flow	19.26	38.12	0.09	40.91	41.9	-38.6
Free Cash Flow Per Share	0.48	0.95	0.00	1.02	1.04	-0.94
Operating Margin	4.63%	7.54%	4.35%	-15.78%	-22.52%	1.41%
Profit Margin	4.90%	6.86%	2.00%	-12.28%	-28.80%	-5.98%
Free Cash Flow Margin	3.45%	7.98%	0.02%	11.70%	34.12%	-37.57%
EBITDA	27.25	37.37	26.6	-51.99	-24.74	3.09
EBITDA Margin	4.88%	7.83%	4.73%	-14.87%	-20.14%	3.01%
D&A For EBITDA	1.36	1.37	2.15	3.21	2.93	1.65
EBIT	25.89	36	24.45	-55.2	-27.66	1.45
EBIT Margin	4.63%	7.54%	4.35%	-15.78%	-22.52%	1.41%
Effective Tax Rate	-	2.14%	35.40%	-	-	524.45%
Revenue as Reported	-	-	-	-	109.88	84.83

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.