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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	28.93	34.8	20.51	8.26	16.49	15.29
Revenue Growth	-11.58%	69.64%	148.20%	-49.87%	7.85%	407.70%
Operating Income Operating Income Growth	18.97	25.31	15.28	6.59	10.67	8.65
Net Income Net Income Growth	16.47	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	-34.08%	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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Investments Investments Growth	27.5	33.77	20.6	8.63	14.18	10.38
Instalment Credit Instalment Credit Growth	3.7	3.32	2.85	4.78	2.14	1.64
Financial Brokerage Financial Brokerage Growth	1.46	1.24	0.91	0.85	0.99	0.69
Real Estate Real Estate Growth	0.29	0.29	1.06	1.63	0.33	1.92
Total Total Growth	32.96	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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	18.85	15.92	30.91	17.39	20.61	17.8
Total Debt Total Debt Growth	69.24	69.21	43.74	24.93	28.7	21.5
Net Cash (Debt) Net Cash Growth	-50.39	-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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-3.91	-8.36	-12.94	4.6	2.87	-3.29
Capital Expenditures CapEx Growth	4.63	-0.01	-6.69	-0.11	-0.07	-0.48
Free Cash Flow Free Cash Flow Growth	0.71	-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	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Margin	65.57%	72.75%	74.51%	79.78%	64.73%	56.56%
Pretax Margin	64.79%	72.12%	78.42%	105.49%	60.66%	57.72%
Profit Margin	56.95%	66.79%	68.72%	85.12%	49.43%	48.60%
FCF Margin	2.46%	-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	Aug 11, 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	0.61%	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	Aug 11, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	18.43	14.51	16.23	24.80	11.32	16.94
P/FCF Ratio	426.35	-	-	38.81	32.92	-
PS Ratio	10.49	9.69	11.15	21.11	5.60	8.23

Data Source: S&P Global Market Intelligence Last updated: Mar 31, 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:

Aug 11, 2026

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