TADAWUL:4083 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	769.47	623.67	523.85	416.96	300.9
Total Interest Expense	-	80.05	63.26	27.83	11.31
Net Interest Income	769.47	543.62	460.59	389.12	289.58
Revenue Before Loan Losses	769.47	543.62	460.59	389.12	289.58
Provision for Loan Losses	-	94.91	60.59	40.75	26.3
Revenue	769.47	448.71	400	348.37	263.28
Revenue Growth (YoY)	71.48%	12.18%	14.82%	32.32%	145.67%
Salaries & Employee Benefits	-	95.78	90.45	-	-
Cost of Services Provided	-	33.42	21.67	138.25	120.82
Other Operating Expenses	462.29	64.75	47.62	-	-
Total Operating Expenses	462.29	200.34	165.21	138.25	120.82
Operating Income	307.18	248.37	234.79	210.12	142.46
Pretax Income	308.67	248.01	236.59	214.26	143.93
Income Tax Expense	35.03	25.63	24.42	21.51	14.31
Net Income	273.64	222.38	212.16	192.75	129.63
Net Income to Common	273.64	222.38	212.16	192.75	129.63
Net Income Growth	23.05%	4.82%	10.08%	48.70%	484.87%
Shares Outstanding (Basic)	25	25	25	25	25
Shares Outstanding (Diluted)	25	25	25	25	25
Shares Change (YoY)	0.42%	-	-	-	-
EPS (Basic)	10.90	8.90	8.49	7.71	5.18
EPS (Diluted)	10.90	8.90	8.49	7.71	5.18
EPS Growth	22.54%	4.82%	10.08%	48.70%	484.87%
Free Cash Flow	-305.95	-325.61	-105.24	-164.23	-351.6
Free Cash Flow Per Share	-12.19	-13.02	-4.21	-6.57	-14.06
Operating Margin	39.92%	55.35%	58.70%	60.32%	54.11%
Profit Margin	35.56%	49.56%	53.04%	55.33%	49.23%
Free Cash Flow Margin	-39.76%	-72.57%	-26.31%	-47.14%	-133.55%
Effective Tax Rate	11.35%	10.33%	10.32%	10.04%	9.94%

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