TADAWUL:1182 Income Statement

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

Millions SAR. 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	59.55	67.25	106.35	180.44	229.07	240.74
Total Interest Expense	200.89	205.78	198.23	136.11	70.39	54.22
Net Interest Income	-141.34	-138.54	-91.87	44.33	158.68	186.52
Commissions and Fees	38.5	37.63	20.2	14.12	19.03	21.4
Gain (Loss) on Sale of Investments	-	-	-	-0.03	11.96	1.63
Other Revenue	478.53	463.11	325.71	123.78	31.4	20.69
Revenue Before Loan Losses	375.7	362.21	254.04	182.21	221.08	230.24
Provision for Loan Losses	78.78	75.61	28.49	14.36	2.4	-1.78
Revenue	296.92	286.6	225.55	167.84	218.67	232.02
Revenue Growth (YoY)	21.93%	27.06%	34.38%	-23.24%	-5.75%	11.44%
Cost of Services Provided	179.17	175.16	149.24	114.16	97.61	99.23
Other Operating Expenses	8.7	8.7	4.77	4.84	0.78	0.67
Total Operating Expenses	209.83	204.42	166.92	128.89	107.74	108.69
Operating Income	87.09	82.18	58.63	38.95	110.93	123.34
EBT Excluding Unusual Items	87.09	82.18	58.63	38.95	110.93	123.34
Pretax Income	87.09	82.18	58.63	38.95	110.93	123.34
Income Tax Expense	17.97	16.95	12.32	7.15	14.21	15.58
Net Income	69.13	65.23	46.31	31.81	96.72	107.75
Net Income to Common	69.13	65.23	46.31	31.81	96.72	107.75
Net Income Growth	39.30%	40.83%	45.61%	-67.12%	-10.24%	8.95%
Shares Outstanding (Basic)	102	102	102	102	102	102
Shares Outstanding (Diluted)	102	102	102	102	102	102
Shares Change (YoY)	0.54%	-	-	-	-	-
EPS (Basic)	0.68	0.64	0.45	0.31	0.95	1.06
EPS (Diluted)	0.68	0.64	0.45	0.31	0.95	1.06
EPS Growth	38.55%	40.84%	45.61%	-67.12%	-10.24%	8.95%
Free Cash Flow	-6.03	150.47	-566.94	-414.73	245.59	34.27
Free Cash Flow Per Share	-0.06	1.48	-5.56	-4.07	2.41	0.34
Dividend Per Share	0.500	0.500	-	-	0.711	0.756
Dividend Growth	-	-	-	-	-5.89%	6.26%
Operating Margin	29.33%	28.67%	26.00%	23.21%	50.73%	53.16%
Profit Margin	23.28%	22.76%	20.53%	18.95%	44.23%	46.44%
Free Cash Flow Margin	-2.03%	52.50%	-251.35%	-247.09%	112.31%	14.77%
Effective Tax Rate	20.63%	20.63%	21.01%	18.35%	12.81%	12.63%
Revenue as Reported	576.53	567.99	452.27	313.16	291.47	-

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