TADAWUL:1182 Income Statement

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	67.25	106.35	180.44	229.07	240.74
Total Interest Expense	205.78	198.23	136.11	70.39	54.22
Net Interest Income	-138.54	-91.87	44.33	158.68	186.52
Commissions and Fees	37.63	20.2	14.12	19.03	21.4
Gain (Loss) on Sale of Investments	-	-	-0.03	11.96	1.63
Other Revenue	463.11	325.71	123.78	31.4	20.69
Revenue Before Loan Losses	362.21	254.04	182.21	221.08	230.24
Provision for Loan Losses	75.61	28.49	14.36	2.4	-1.78
Revenue	286.6	225.55	167.84	218.67	232.02
Revenue Growth (YoY)	27.06%	34.38%	-23.24%	-5.75%	11.44%
Cost of Services Provided	175.16	149.24	114.16	97.61	99.23
Other Operating Expenses	8.7	4.77	4.84	0.78	0.67
Total Operating Expenses	204.42	166.92	128.89	107.74	108.69
Operating Income	82.18	58.63	38.95	110.93	123.34
EBT Excluding Unusual Items	82.18	58.63	38.95	110.93	123.34
Pretax Income	82.18	58.63	38.95	110.93	123.34
Income Tax Expense	16.95	12.32	7.15	14.21	15.58
Net Income	65.23	46.31	31.81	96.72	107.75
Net Income to Common	65.23	46.31	31.81	96.72	107.75
Net Income Growth	40.83%	45.61%	-67.12%	-10.24%	8.95%
Shares Outstanding (Basic)	102	102	102	102	102
Shares Outstanding (Diluted)	102	102	102	102	102
EPS (Basic)	0.64	0.45	0.31	0.95	1.06
EPS (Diluted)	0.64	0.45	0.31	0.95	1.06
EPS Growth	40.84%	45.61%	-67.12%	-10.24%	8.95%
Free Cash Flow	150.47	-566.94	-414.73	245.59	34.27
Free Cash Flow Per Share	1.48	-5.56	-4.07	2.41	0.34
Dividend Per Share	-	-	-	0.711	0.756
Dividend Growth	-	-	-	-5.89%	6.26%
Operating Margin	28.67%	26.00%	23.21%	50.73%	53.16%
Profit Margin	22.76%	20.53%	18.95%	44.23%	46.44%
Free Cash Flow Margin	52.50%	-251.35%	-247.09%	112.31%	14.77%
Effective Tax Rate	20.63%	21.01%	18.35%	12.81%	12.63%
Revenue as Reported	567.99	452.27	313.16	291.47	-

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.