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	768.36	623.67	523.85	416.96	300.9
Total Interest Expense	97.06	80.05	63.26	27.83	11.31
Net Interest Income	671.31	543.62	460.59	389.12	289.58
Other Revenue	1.11	-	-	-	-
Revenue Before Loan Losses	672.42	543.62	460.59	389.12	289.58
Provision for Loan Losses	124.83	94.91	60.59	40.75	26.3
Revenue	547.59	448.71	400	348.37	263.28
Revenue Growth (YoY)	22.04%	12.18%	14.82%	32.32%	145.67%
Salaries & Employee Benefits	118.29	95.78	90.45	-	-
Cost of Services Provided	35.64	33.42	21.67	138.25	120.82
Other Operating Expenses	80.33	64.75	47.62	-	-
Total Operating Expenses	241.25	200.34	165.21	138.25	120.82
Operating Income	306.34	248.37	234.79	210.12	142.46
Pretax Income	307.18	248.01	236.59	214.26	143.93
Income Tax Expense	35.03	25.63	24.42	21.51	14.31
Earnings From Continuing Ops.	272.16	222.38	212.16	192.75	129.63
Minority Interest in Earnings	1.48	-	-	-	-
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
EPS (Basic)	10.95	8.90	8.49	7.71	5.18
EPS (Diluted)	10.95	8.90	8.49	7.71	5.18
EPS Growth	23.05%	4.82%	10.08%	48.70%	484.87%
Free Cash Flow	-308.65	-325.61	-105.24	-164.23	-351.6
Free Cash Flow Per Share	-12.35	-13.02	-4.21	-6.57	-14.06
Operating Margin	55.94%	55.35%	58.70%	60.32%	54.11%
Profit Margin	49.97%	49.56%	53.04%	55.33%	49.23%
Free Cash Flow Margin	-56.37%	-72.57%	-26.31%	-47.14%	-133.55%
Effective Tax Rate	11.40%	10.33%	10.32%	10.04%	9.94%

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