Quara Finance Company (TADAWUL:9596)

Quara Finance Company Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest and Dividend Income	259.32	187.35	187.61	169.87	171
Total Interest Expense	36.75	15.22	8.9	14.43	18.99
Net Interest Income	222.57	172.13	178.71	155.44	152.02
Revenue Before Loan Losses	222.57	172.13	178.71	155.44	154.99
Provision for Loan Losses	87.3	28.27	6.51	9.76	30.64
Revenue	135.27	143.86	172.2	145.69	124.34
Revenue Growth (YoY)	-5.97%	-16.45%	18.20%	17.17%	519.04%
Salaries & Employee Benefits	33.94	35.99	39.91	41.69	38.95
Cost of Services Provided	96.44	60.31	75.83	47.46	37.35
Other Operating Expenses	-	-	0.47	5.7	5.6
Total Operating Expenses	130.38	96.29	116.21	94.85	81.89
Operating Income	4.89	47.57	55.99	50.83	42.45
EBT Excluding Unusual Items	10.15	52.92	63.04	59.73	50.62
Other Unusual Items	-	-	-	0.68	-6.92
Pretax Income	10.15	52.92	63.04	60.41	43.7
Income Tax Expense	2.03	9.67	9.26	9.57	11.91
Net Income	8.12	43.25	53.79	50.84	31.8
Net Income to Common	8.12	43.25	53.79	50.84	31.8
Net Income Growth	-81.23%	-19.60%	5.80%	59.89%	-
Shares Outstanding (Basic)	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30
Shares Change (YoY)	-	-	-	-	58.44%
EPS (Basic)	0.27	1.44	1.79	1.69	1.06
EPS (Diluted)	0.27	1.44	1.79	1.69	1.06
EPS Growth	-81.23%	-19.60%	5.80%	59.89%	-
Free Cash Flow	-37.02	-42	95.03	199.37	34.79
Free Cash Flow Per Share	-1.23	-1.40	3.17	6.65	1.16
Operating Margin	3.61%	33.07%	32.51%	34.89%	34.14%
Profit Margin	6.00%	30.06%	31.24%	34.89%	25.57%
Free Cash Flow Margin	-27.37%	-29.20%	55.18%	136.85%	27.98%
Effective Tax Rate	20.00%	18.28%	14.68%	15.84%	27.24%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.