Liva Insurance Company (TADAWUL:8280)

Liva Insurance Company Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Premiums & Annuity Revenue	632.95	575.03	446.13	513.63	337.95	93.68
Total Interest & Dividend Income	36.89	36.31	31.75	28.39	11.8	6.3
Other Revenue	1.58	1.9	-0.4	19.92	-	22.86
Total Revenue	671.41	613.24	477.48	561.94	349.75	122.83
Revenue Growth (YoY)	36.47%	28.43%	-15.03%	60.67%	184.73%	19.56%
Policy Benefits	622.93	569.72	418.98	520.04	385.95	62.84
Policy Acquisition & Underwriting Costs	-	-	-	-	-	30.16
Selling, General & Administrative	-	-	-	-	-	56.59
Provision for Bad Debts	-	-	-	-	-	0.91
Other Operating Expenses	7.82	8.21	22.51	17.45	19	-
Total Operating Expenses	630.75	577.93	441.48	537.49	404.95	150.5
Operating Income	40.66	35.32	36	24.45	-55.2	-27.66
Interest Expense	-4.58	-4.58	-2.52	-7.02	-	-
Other Non Operating Income (Expenses)	-	-	-	-	17.96	-
Pretax Income	36.08	30.73	33.48	17.43	-37.24	-27.66
Income Tax Expense	4.05	4.09	0.72	6.17	5.71	7.71
Net Income	32.03	26.64	32.76	11.26	-42.95	-35.38
Net Income to Common	32.03	26.64	32.76	11.26	-42.95	-35.38
Net Income Growth	6.91%	-18.68%	191.00%	-	-	-
Shares Outstanding (Basic)	41	40	40	40	40	40
Shares Outstanding (Diluted)	41	40	40	40	40	40
Shares Change (YoY)	1.30%	-	-0.52%	0.18%	-0.16%	-1.88%
EPS (Basic)	0.78	0.67	0.82	0.28	-1.07	-0.88
EPS (Diluted)	0.78	0.67	0.82	0.28	-1.07	-0.88
EPS Growth	5.54%	-18.68%	192.51%	-	-	-
Free Cash Flow	139.74	64.16	38.12	0.09	40.91	41.9
Free Cash Flow Per Share	3.42	1.60	0.95	0.00	1.02	1.04
Operating Margin	6.06%	5.76%	7.54%	4.35%	-15.78%	-22.52%
Profit Margin	4.77%	4.34%	6.86%	2.00%	-12.28%	-28.80%
Free Cash Flow Margin	20.81%	10.46%	7.98%	0.02%	11.70%	34.12%
EBITDA	41.8	36.67	37.37	26.6	-51.99	-24.74
EBITDA Margin	6.22%	5.98%	7.83%	4.73%	-14.87%	-20.14%
D&A For EBITDA	1.13	1.35	1.37	2.15	3.21	2.93
EBIT	40.66	35.32	36	24.45	-55.2	-27.66
EBIT Margin	6.06%	5.76%	7.54%	4.35%	-15.78%	-22.52%
Effective Tax Rate	11.23%	13.31%	2.14%	35.40%	-	-
Revenue as Reported	-	-	-	-	-	109.88

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.