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

KWSE:ARZAN Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	28.63	34.8	20.51	8.26	16.49	15.29
Revenue Growth	-16.39%	69.64%	148.20%	-49.87%	7.85%	407.70%
Operating Income Operating Income Growth	18.36	25.31	15.28	6.59	10.67	8.65
Net Income Net Income Growth	15.68	23.24	14.1	7.03	8.15	7.43
Earnings Per Share EPS Growth	0.02	0.02	0.01	0.01	0.01	0.01
EPS Growth	-39.31%	62.63%	98.36%	-13.82%	10.14%	-

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Instalment Credit Instalment Credit Growth	3.8	3.32	2.85	4.78	2.14	1.64
Investments Investments Growth	27.72	33.77	20.6	8.63	14.18	10.38
Financial Brokerage Financial Brokerage Growth	1.3	1.24	0.91	0.85	0.99	0.69
Real Estate Real Estate Growth	0.24	0.29	1.06	1.63	0.33	1.92
Total Total Growth	33.06	38.62	25.42	15.89	17.64	14.63

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	19.4	15.92	30.91	17.39	20.61	17.8
Total Debt Total Debt Growth	70.47	69.21	43.74	24.93	28.7	21.5
Net Cash (Debt) Net Cash Growth	-51.07	-53.28	-12.83	-7.54	-8.09	-3.7
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-0.05	-0.06	-0.01	-0.01	-0.01	-0.00

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-6.43	-8.36	-12.94	4.6	2.87	-3.29
Capital Expenditures CapEx Growth	1.26	-0.01	-6.69	-0.11	-0.07	-0.48
Free Cash Flow Free Cash Flow Growth	-5.17	-8.37	-19.63	4.5	2.8	-3.77
Free Cash Flow Growth	-	-	-	60.41%	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	64.14%	72.75%	74.51%	79.78%	64.73%	56.56%
Pretax Margin	63.99%	72.12%	78.42%	105.49%	60.66%	57.72%
Profit Margin	54.76%	66.79%	68.72%	85.12%	49.43%	48.60%
FCF Margin	-18.05%	-24.05%	-95.69%	54.40%	17.00%	-24.69%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	0.002	0.002	0.003	0.002	0.004	0.002
Dividend Per Share Growth	-29.33%	-29.63%	58.82%	-51.43%	66.67%	-
Dividend Yield	635.45%	0.54%	1.15%	0.96%	3.75%	1.69%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	18.32	14.51	16.23	24.80	11.32	16.94
P/FCF Ratio	-	-	-	38.81	32.92	-
PS Ratio	10.04	9.69	11.15	21.11	5.60	8.23

Data Source: S&P Global Market Intelligence Last updated: Aug 10, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 27, 2026

Data Sources Report a data error