Arzan Financial Group for Financing and Investment - KPSC (KWSE:ARZAN)

KWSE:ARZAN Income Statement

Financials in millions KWD. 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
Interest and Dividend Income	6.35	5.76	5.76	4.86	4.17	3.56
Total Interest Expense	2.62	1.8	1.74	1.04	1.05	1.65
Net Interest Income	3.73	3.96	4.02	3.82	3.12	1.91
Gain (Loss) on Sale of Investments	2.9	9.39	-0.24	5.56	3.15	-2.18
Other Revenue	24.3	8.49	4.89	6.64	6.9	4.39
Revenue Before Loan Losses	30.94	21.84	8.67	16.03	13.17	4.12
Provision for Loan Losses	1.04	1.38	0.4	-0.45	-2.11	1.11
Revenue	29.9	20.46	8.26	16.49	15.29	3.01
Revenue Growth (YoY)	54.19%	147.59%	-49.87%	7.85%	407.70%	-69.52%
Salaries & Employee Benefits	3.83	3.36	2.86	3	3.15	2.84
Cost of Services Provided	1.79	1.45	1.42	1.52	1.31	1.59
Other Operating Expenses	1.29	0.19	-2.83	1.05	1.91	2.62
Total Operating Expenses	7.13	5.23	1.67	5.81	6.64	7.51
Operating Income	22.77	15.23	6.59	10.67	8.65	-4.5
Currency Exchange Gain (Loss)	-0.21	0.83	0.92	-0.26	-1.4	0.04
EBT Excluding Unusual Items	22.48	16	7.5	10.41	7.25	-4.45
Gain (Loss) on Sale of Investments	-	-	-	-	-	-4.57
Pretax Income	22.56	16.09	8.72	10	8.82	-9.16
Income Tax Expense	0.37	0.06	0.04	-	-	-
Earnings From Continuing Ops.	22.19	16.02	8.68	10	8.82	-9.16
Net Income to Company	22.19	16.02	8.68	10	8.82	-9.16
Minority Interest in Earnings	-1.55	-1.93	-1.65	-1.85	-1.39	-0.35
Net Income	20.63	14.1	7.03	8.15	7.43	-9.51
Net Income to Common	20.63	14.1	7.03	8.15	7.43	-9.51
Net Income Growth	51.72%	100.39%	-13.68%	9.70%	-	-
Shares Outstanding (Basic)	906	893	885	880	885	895
Shares Outstanding (Diluted)	907	895	887	882	887	895
Shares Change (YoY)	1.78%	0.91%	0.60%	-0.64%	-0.92%	-0.56%
EPS (Basic)	0.02	0.02	0.01	0.01	0.01	-0.01
EPS (Diluted)	0.02	0.02	0.01	0.01	0.01	-0.01
EPS Growth	49.58%	99.75%	-14.14%	9.65%	-	-
Free Cash Flow	-13.62	-19.63	4.5	2.8	-3.77	-3.18
Free Cash Flow Per Share	-0.01	-0.02	0.01	0.00	-0.00	-0.00
Dividend Per Share	0.003	0.003	0.002	0.004	0.002	-
Dividend Growth	61.11%	61.11%	-51.35%	68.18%	-	-
Operating Margin	76.15%	74.45%	79.78%	64.73%	56.56%	-149.37%
Profit Margin	69.01%	68.89%	85.12%	49.43%	48.60%	-315.90%
Free Cash Flow Margin	-45.56%	-95.92%	54.40%	17.00%	-24.69%	-105.69%
Effective Tax Rate	1.65%	0.39%	0.42%	-	-	-
Revenue as Reported	33.94	25.42	15.89	17.64	14.63	5.81

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