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 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	406.62	392.9	350.47	297.92	261.86	277.41
Total Interest Expense	195.8	200.24	209.2	187.85	106.71	74.08
Net Interest Income	210.82	192.67	141.27	110.07	155.15	203.33
Other Revenue	13.31	13.89	9	7.59	40.8	11.64
Revenue Before Loan Losses	224.13	206.56	150.27	117.65	195.95	214.97
Provision for Loan Losses	12.12	11.28	-8.33	-6.45	-21.46	-8.84
Revenue	212.01	195.28	158.6	124.11	217.4	223.81
Revenue Growth (YoY)	24.74%	23.13%	27.79%	-42.91%	-2.86%	10.63%
Cost of Services Provided	133.71	123.76	115.79	111.81	113.32	103.24
Other Operating Expenses	10.23	10.35	8.91	9.4	6.45	7.68
Total Operating Expenses	143.94	134.1	124.7	121.22	119.77	110.92
Operating Income	68.07	61.18	33.9	2.89	97.63	112.88
EBT Excluding Unusual Items	68.07	61.18	33.9	2.89	97.63	112.88
Pretax Income	68.07	61.18	33.9	2.89	97.94	119.01
Income Tax Expense	12.67	10.5	7.37	0.56	2.05	15.82
Net Income	55.4	50.68	26.53	2.33	95.89	103.2
Net Income to Common	55.4	50.68	26.53	2.33	95.89	103.2
Net Income Growth	53.89%	91.03%	1040.50%	-97.57%	-7.08%	21.24%
Shares Outstanding (Basic)	100	100	100	100	100	100
Shares Outstanding (Diluted)	100	100	100	100	100	100
EPS (Basic)	0.55	0.51	0.27	0.02	0.96	1.03
EPS (Diluted)	0.55	0.51	0.27	0.02	0.96	1.03
EPS Growth	53.89%	91.03%	1040.50%	-97.57%	-7.08%	21.24%
Free Cash Flow	39.74	57.73	111.78	162.99	147.37	322.36
Free Cash Flow Per Share	0.40	0.58	1.12	1.63	1.47	3.22
Dividend Per Share	0.500	0.500	-	-	0.500	0.774
Dividend Growth	-	-	-	-	-35.40%	-
Operating Margin	32.11%	31.33%	21.37%	2.33%	44.91%	50.44%
Profit Margin	26.13%	25.95%	16.73%	1.87%	44.11%	46.11%
Free Cash Flow Margin	18.75%	29.56%	70.48%	131.33%	67.79%	144.03%
Effective Tax Rate	18.62%	17.17%	21.74%	19.52%	2.10%	13.29%
Revenue as Reported	418.14	404.95	357.24	303.23	299.13	291.39