KWSE:FACIL Income Statement

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

Millions KWD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest and Dividend Income	15.53	15.51	15.01	14.43	13.01	13.21
Total Interest Expense	5.65	5.47	5.38	5.15	3.66	2.34
Net Interest Income	9.88	10.04	9.64	9.29	9.36	10.87
Gain (Loss) on Sale of Investments	5.63	7.02	4.77	1.01	3.8	5.21
Other Revenue	2.42	2	1.55	1.24	1.37	1.05
Revenue Before Loan Losses	17.93	19.06	16.54	11.53	14.52	17.12
Provision for Loan Losses	-0.66	-1.1	-1.95	-1.52	-2.9	-1.83
Revenue	18.59	20.16	18.49	13.06	17.42	18.95
Revenue Growth (YoY)	0.51%	9.02%	41.60%	-25.06%	-8.06%	205.69%
Salaries & Employee Benefits	3.73	3.6	3.48	2.95	3.24	2.57
Cost of Services Provided	1.23	1.21	1.29	1.1	1.44	1.38
Other Operating Expenses	0.49	0.56	0.43	0.27	0.41	0.51
Total Operating Expenses	5.44	5.36	5.2	4.33	5.09	4.46
Operating Income	13.14	14.8	13.29	8.73	12.33	14.5
Currency Exchange Gain (Loss)	-0.12	-0.17	0.1	-0.04	0.16	-0.03
EBT Excluding Unusual Items	13.57	15.15	12.15	8.45	10.35	14.32
Gain (Loss) on Sale of Investments	0.32	0.32	-0.05	-0.01	0.03	-
Other Unusual Items	0.48	0.48	-	-	-	-
Pretax Income	14.12	15.7	12.07	8.48	10.37	14.23
Earnings From Continuing Ops.	14.12	15.7	12.07	8.48	10.37	14.23
Minority Interest in Earnings	-0.24	-0.02	-0.02	-0	-0.01	-0.01
Net Income	13.88	15.68	12.06	8.48	10.36	14.23
Net Income to Common	13.88	15.68	12.06	8.48	10.36	14.23
Net Income Growth	17.80%	30.04%	42.20%	-18.18%	-27.16%	-
Shares Outstanding (Basic)	536	506	507	507	508	508
Shares Outstanding (Diluted)	536	506	507	507	508	508
Shares Change (YoY)	5.76%	-0.02%	-0.14%	-0.10%	-0.01%	-
EPS (Basic)	0.03	0.03	0.02	0.02	0.02	0.03
EPS (Diluted)	0.03	0.03	0.02	0.02	0.02	0.03
EPS Growth	11.39%	30.06%	42.40%	-18.09%	-27.15%	-
Free Cash Flow	19.79	19.06	14.05	8.57	14.85	20.84
Free Cash Flow Per Share	0.04	0.04	0.03	0.02	0.03	0.04
Dividend Per Share	0.021	0.021	0.020	0.016	0.016	0.015
Dividend Growth	5.00%	5.00%	25.00%	-	6.67%	50.00%
Operating Margin	70.72%	73.41%	71.90%	66.87%	70.76%	76.49%
Profit Margin	74.69%	77.78%	65.21%	64.94%	59.47%	75.07%
Free Cash Flow Margin	106.47%	94.57%	76.02%	65.63%	85.24%	109.98%

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