SHL Finance Company Income Statement

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

Millions SAR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest and Dividend Income	379.76	350.47	297.92	261.86	277.41	290.11
Total Interest Expense	202.57	209.2	187.85	106.71	74.08	93.17
Net Interest Income	177.18	141.27	110.07	155.15	203.33	196.95
Other Revenue	13.69	9	7.59	40.8	11.64	12.86
Revenue Before Loan Losses	190.87	150.27	117.65	195.95	214.97	209.81
Provision for Loan Losses	1.76	-8.33	-6.45	-21.46	-8.84	7.5
Revenue	189.11	158.6	124.11	217.4	223.81	202.31
Revenue Growth (YoY)	43.43%	27.79%	-42.91%	-2.86%	10.63%	24.16%
Cost of Services Provided	121.27	115.79	111.81	113.32	103.24	98.11
Other Operating Expenses	12.94	8.91	9.4	6.45	7.68	2.13
Total Operating Expenses	134.21	124.7	121.22	119.77	110.92	100.24
Operating Income	54.9	33.9	2.89	97.63	112.88	102.06
EBT Excluding Unusual Items	54.9	33.9	2.89	97.63	112.88	102.06
Pretax Income	54.9	33.9	2.89	97.94	119.01	97.58
Income Tax Expense	9.86	7.37	0.56	2.05	15.82	12.46
Net Income	45.04	26.53	2.33	95.89	103.2	85.12
Net Income to Common	45.04	26.53	2.33	95.89	103.2	85.12
Net Income Growth	443.72%	1040.50%	-97.57%	-7.08%	21.24%	55.72%
Shares Outstanding (Basic)	100	100	100	100	100	100
Shares Outstanding (Diluted)	100	100	100	100	100	100
EPS (Basic)	0.45	0.27	0.02	0.96	1.03	0.85
EPS (Diluted)	0.45	0.27	0.02	0.96	1.03	0.85
EPS Growth	443.72%	1040.50%	-97.57%	-7.08%	21.24%	55.72%
Free Cash Flow	-7.96	111.78	162.99	147.37	322.36	166.65
Free Cash Flow Per Share	-0.08	1.12	1.63	1.47	3.22	1.67
Dividend Per Share	-	-	-	0.500	0.774	-
Dividend Growth	-	-	-	-35.40%	-	-
Operating Margin	29.03%	21.37%	2.33%	44.91%	50.44%	50.45%
Profit Margin	23.82%	16.73%	1.87%	44.11%	46.11%	42.07%
Free Cash Flow Margin	-4.21%	70.48%	131.33%	67.79%	144.03%	82.38%
Effective Tax Rate	17.97%	21.74%	19.52%	2.10%	13.29%	12.77%
Revenue as Reported	391.52	357.24	303.23	299.13	291.39	303.34

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