Amlak International Finance Company (TADAWUL:1182)

TADAWUL:1182 Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest and Dividend Income	85.4	106.35	180.44	229.07	240.74	240.5
Total Interest Expense	207.18	198.23	136.11	70.39	54.22	65.1
Net Interest Income	-121.79	-91.87	44.33	158.68	186.52	175.4
Commissions and Fees	28.95	20.2	14.12	19.03	21.4	14.75
Gain (Loss) on Sale of Investments	-1.11	-1.28	-0.03	11.96	1.63	1.46
Other Revenue	413.47	328.1	123.78	31.4	20.69	22.01
Revenue Before Loan Losses	319.52	255.15	182.21	221.08	230.24	213.62
Provision for Loan Losses	48.39	28.49	14.36	2.4	-1.78	5.43
Revenue	271.12	226.67	167.84	218.67	232.02	208.2
Revenue Growth (YoY)	47.95%	35.05%	-23.24%	-5.75%	11.44%	3.67%
Cost of Services Provided	168.99	149.24	114.16	97.61	99.23	84.37
Other Operating Expenses	7.56	5.88	4.84	0.78	0.67	2.01
Total Operating Expenses	193.28	168.03	128.89	107.74	108.69	92.8
Operating Income	77.84	58.63	38.95	110.93	123.34	115.39
EBT Excluding Unusual Items	77.84	58.63	38.95	110.93	123.34	115.39
Pretax Income	77.84	58.63	38.95	110.93	123.34	115.39
Income Tax Expense	16.06	12.32	7.15	14.21	15.58	16.49
Net Income	61.78	46.31	31.81	96.72	107.75	98.9
Net Income to Common	61.78	46.31	31.81	96.72	107.75	98.9
Net Income Growth	97.42%	45.61%	-67.12%	-10.24%	8.95%	41.27%
Shares Outstanding (Basic)	102	102	102	102	102	102
Shares Outstanding (Diluted)	102	102	102	102	102	102
EPS (Basic)	0.61	0.45	0.31	0.95	1.06	0.97
EPS (Diluted)	0.61	0.45	0.31	0.95	1.06	0.97
EPS Growth	97.42%	45.61%	-67.12%	-10.24%	8.95%	41.27%
Free Cash Flow	-300.15	-566.94	-414.73	245.59	34.27	-90.26
Free Cash Flow Per Share	-2.94	-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	28.71%	25.87%	23.21%	50.73%	53.16%	55.43%
Profit Margin	22.79%	20.43%	18.95%	44.23%	46.44%	47.50%
Free Cash Flow Margin	-110.71%	-250.12%	-247.09%	112.31%	14.77%	-43.35%
Effective Tax Rate	20.63%	21.01%	18.35%	12.81%	12.63%	14.29%
Revenue as Reported	525.62	452.27	313.16	291.47	-	278.72

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