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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Premiums & Annuity Revenue	494.16	446.13	513.63	337.95	93.68	67.5
Total Interest & Dividend Income	34.22	31.75	28.39	11.8	6.3	10.6
Other Revenue	0.7	-0.4	19.92	-	22.86	24.63
Total Revenue	529.08	477.48	561.94	349.75	122.83	102.74
Revenue Growth (YoY)	6.51%	-15.03%	60.67%	184.73%	19.56%	-35.25%
Policy Benefits	458.04	418.98	520.04	385.95	62.84	22.58
Policy Acquisition & Underwriting Costs	44.29	-	-	-	30.16	16.47
Selling, General & Administrative	-	-	-	-	56.59	61.16
Provision for Bad Debts	-	-	-	-	0.91	1.08
Other Operating Expenses	-0.66	22.51	17.45	19	-	-
Total Operating Expenses	501.67	441.48	537.49	404.95	150.5	101.29
Operating Income	27.41	36	24.45	-55.2	-27.66	1.45
Interest Expense	-2.52	-2.52	-7.02	-	-	-
Other Non Operating Income (Expenses)	-	-	-	17.96	-	-
Pretax Income	24.89	33.48	17.43	-37.24	-27.66	1.45
Income Tax Expense	-1.88	0.72	6.17	5.71	7.71	7.59
Net Income	26.77	32.76	11.26	-42.95	-35.38	-6.15
Net Income to Common	26.77	32.76	11.26	-42.95	-35.38	-6.15
Net Income Growth	30.39%	191.00%	-	-	-	-
Shares Outstanding (Basic)	40	40	40	40	40	41
Shares Outstanding (Diluted)	40	40	40	40	40	41
Shares Change (YoY)	-2.00%	-0.63%	0.18%	-0.16%	-1.88%	3.67%
EPS (Basic)	0.67	0.82	0.28	-1.07	-0.88	-0.15
EPS (Diluted)	0.67	0.82	0.28	-1.07	-0.88	-0.15
EPS Growth	33.04%	192.86%	-	-	-	-
Free Cash Flow	2.01	38.12	0.09	40.91	41.9	-38.6
Free Cash Flow Per Share	0.05	0.95	0.00	1.02	1.04	-0.94
Operating Margin	5.18%	7.54%	4.35%	-15.78%	-22.52%	1.41%
Profit Margin	5.06%	6.86%	2.00%	-12.28%	-28.80%	-5.98%
Free Cash Flow Margin	0.38%	7.98%	0.02%	11.70%	34.12%	-37.57%
EBITDA	28.9	37.37	26.6	-51.99	-24.74	3.09
EBITDA Margin	5.46%	7.83%	4.73%	-14.87%	-20.14%	3.01%
D&A For EBITDA	1.49	1.37	2.15	3.21	2.93	1.65
EBIT	27.41	36	24.45	-55.2	-27.66	1.45
EBIT Margin	5.18%	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 Feb 20, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.