Amlak International Finance Company (TADAWUL:1182)

TADAWUL:1182 Income Statement

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

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	106.35	180.44	229.07	240.74	240.5
Total Interest Expense	198.23	136.11	70.39	54.22	65.1
Net Interest Income	-91.87	44.33	158.68	186.52	175.4
Commissions and Fees	20.2	14.12	19.03	21.4	14.75
Gain (Loss) on Sale of Investments	-1.28	-0.03	11.96	1.63	1.46
Other Revenue	328.1	123.78	31.4	20.69	22.01
Revenue Before Loan Losses	255.15	182.21	221.08	230.24	213.62
Provision for Loan Losses	28.49	14.36	2.4	-1.78	5.43
Revenue	226.67	167.84	218.67	232.02	208.2
Revenue Growth (YoY)	35.05%	-23.24%	-5.75%	11.44%	3.67%
Cost of Services Provided	149.24	114.16	97.61	99.23	84.37
Other Operating Expenses	5.88	4.84	0.78	0.67	2.01
Total Operating Expenses	168.03	128.89	107.74	108.69	92.8
Operating Income	58.63	38.95	110.93	123.34	115.39
EBT Excluding Unusual Items	58.63	38.95	110.93	123.34	115.39
Pretax Income	58.63	38.95	110.93	123.34	115.39
Income Tax Expense	12.32	7.15	14.21	15.58	16.49
Net Income	46.31	31.81	96.72	107.75	98.9
Net Income to Common	46.31	31.81	96.72	107.75	98.9
Net Income Growth	45.61%	-67.12%	-10.24%	8.95%	41.27%
Shares Outstanding (Basic)	102	102	102	102	102
Shares Outstanding (Diluted)	102	102	102	102	102
EPS (Basic)	0.45	0.31	0.95	1.06	0.97
EPS (Diluted)	0.45	0.31	0.95	1.06	0.97
EPS Growth	45.61%	-67.12%	-10.24%	8.95%	41.27%
Free Cash Flow	-566.94	-414.73	245.59	34.27	-90.26
Free Cash Flow Per Share	-5.56	-4.07	2.41	0.34	-0.89
Dividend Per Share	-	-	0.711	0.756	0.711
Dividend Growth	-	-	-5.89%	6.26%	6.66%
Operating Margin	25.87%	23.21%	50.73%	53.16%	55.43%
Profit Margin	20.43%	18.95%	44.23%	46.44%	47.50%
Free Cash Flow Margin	-250.12%	-247.09%	112.31%	14.77%	-43.35%
Effective Tax Rate	21.01%	18.35%	12.81%	12.63%	14.29%
Revenue as Reported	452.27	313.16	291.47	-	278.72

Updated Feb 27, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.