Quara Finance Company (TADAWUL: 9596)

Quara Finance Company Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Mar 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest and Dividend Income	187.32	187.61	169.87	171	67.17	49.13
Total Interest Expense	8.33	8.9	14.43	18.99	26.66	19.59
Net Interest Income	178.98	178.71	155.44	152.02	40.51	29.54
Revenue Before Loan Losses	178.98	178.71	155.44	154.99	44.29	32.72
Provision for Loan Losses	4.38	6.51	9.76	30.64	24.2	-1.25
Revenue	174.61	172.2	145.69	124.34	20.09	33.97
Revenue Growth (YoY)	9.90%	18.20%	17.17%	519.04%	-40.86%	102.54%
Salaries & Employee Benefits	36.72	39.91	41.69	38.95	26.65	16.37
Cost of Services Provided	81.33	75.83	47.46	37.35	22.03	14.36
Other Operating Expenses	0.47	0.47	5.7	5.6	2.23	0.66
Total Operating Expenses	118.52	116.21	94.85	81.89	50.91	31.39
Operating Income	56.09	55.99	50.83	42.45	-30.82	2.58
EBT Excluding Unusual Items	62.46	63.04	59.73	50.62	-28.46	2.58
Other Unusual Items	-	-	0.68	-6.92	-23.23	-
Pretax Income	62.46	63.04	60.41	43.7	-51.69	2.58
Income Tax Expense	8.43	9.26	9.57	11.91	-0.32	-2.17
Net Income	54.02	53.79	50.84	31.8	-51.36	4.74
Net Income to Common	54.02	53.79	50.84	31.8	-51.36	4.74
Net Income Growth	-3.11%	5.80%	59.89%	-	-	-
Shares Outstanding (Basic)	30	30	30	30	19	15
Shares Outstanding (Diluted)	30	30	30	30	19	15
Shares Change (YoY)	-	-	-	58.44%	26.23%	-
EPS (Basic)	1.80	1.79	1.69	1.06	-2.71	0.32
EPS (Diluted)	1.80	1.79	1.69	1.06	-2.71	0.32
EPS Growth	-3.11%	5.80%	59.89%	-	-	-
Free Cash Flow	173.32	95.03	199.37	34.79	-565.93	-60.53
Free Cash Flow Per Share	5.78	3.17	6.65	1.16	-29.89	-4.04
Operating Margin	32.12%	32.51%	34.89%	34.14%	-153.46%	7.58%
Profit Margin	30.94%	31.24%	34.90%	25.57%	-255.72%	13.96%
Free Cash Flow Margin	99.26%	55.19%	136.85%	27.98%	-2817.50%	-178.21%
Effective Tax Rate	13.50%	14.68%	15.84%	27.24%	-	-

Source: S&P Capital IQ. Financial Services template. Financial Sources.