TADAWUL:4083 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	739	623.67	523.85	416.96	300.9	130.63
Total Interest Expense	91.77	80.05	63.26	27.83	11.31	5.49
Net Interest Income	647.23	543.62	460.59	389.12	289.58	125.14
Revenue Before Loan Losses	647.23	543.62	460.59	389.12	289.58	125.14
Provision for Loan Losses	112.75	94.91	60.59	40.75	26.3	17.97
Revenue	534.48	448.71	400	348.37	263.28	107.17
Revenue Growth (YoY)	25.22%	12.18%	14.82%	32.32%	145.67%	-
Salaries & Employee Benefits	112.6	95.78	90.45	-	-	-
Cost of Services Provided	39.45	33.42	21.67	138.25	120.82	83.45
Other Operating Expenses	80.87	64.75	47.62	-	-	-
Total Operating Expenses	239.6	200.34	165.21	138.25	120.82	83.45
Operating Income	294.89	248.37	234.79	210.12	142.46	23.72
Pretax Income	294.76	248.01	236.59	214.26	143.93	27.5
Income Tax Expense	31.35	25.63	24.42	21.51	14.31	5.34
Net Income	263.42	222.38	212.16	192.75	129.63	22.16
Net Income to Common	263.42	222.38	212.16	192.75	129.63	22.16
Net Income Growth	23.39%	4.82%	10.08%	48.70%	484.87%	-
Shares Outstanding (Basic)	25	25	25	25	25	25
Shares Outstanding (Diluted)	25	25	25	25	25	25
EPS (Basic)	10.54	8.90	8.49	7.71	5.18	0.89
EPS (Diluted)	10.54	8.90	8.49	7.71	5.18	0.89
EPS Growth	23.39%	4.82%	10.08%	48.70%	484.87%	-
Free Cash Flow	-318.48	-325.61	-105.24	-164.23	-351.6	-494.22
Free Cash Flow Per Share	-12.74	-13.02	-4.21	-6.57	-14.06	-19.77
Operating Margin	55.17%	55.35%	58.70%	60.32%	54.11%	22.14%
Profit Margin	49.28%	49.56%	53.04%	55.33%	49.23%	20.68%
Free Cash Flow Margin	-59.59%	-72.57%	-26.31%	-47.14%	-133.55%	-461.16%
Effective Tax Rate	10.63%	10.33%	10.32%	10.04%	9.94%	19.40%

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