Quara Finance Company 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	264.09	206.17	187.61	169.87	171	67.17
Total Interest Expense	31.25	15.22	8.9	14.43	18.99	26.66
Net Interest Income	232.84	190.95	178.71	155.44	152.02	40.51
Revenue Before Loan Losses	232.84	190.95	178.71	155.44	154.99	44.29
Provision for Loan Losses	58.42	28.27	6.51	9.76	30.64	24.2
Revenue	174.42	162.69	172.2	145.69	124.34	20.09
Revenue Growth (YoY)	25.05%	-5.52%	18.20%	17.17%	519.04%	-40.86%
Salaries & Employee Benefits	35.16	35.99	39.91	41.69	38.95	26.65
Cost of Services Provided	110.24	79.13	75.83	47.46	37.35	22.03
Other Operating Expenses	-	-	0.47	5.7	5.6	2.23
Total Operating Expenses	145.4	115.11	116.21	94.85	81.89	50.91
Operating Income	29.02	47.57	55.99	50.83	42.45	-30.82
EBT Excluding Unusual Items	32.71	52.92	63.04	59.73	50.62	-28.46
Other Unusual Items	-	-	-	0.68	-6.92	-23.23
Pretax Income	32.71	52.92	63.04	60.41	43.7	-51.69
Income Tax Expense	9.11	9.67	9.26	9.57	11.91	-0.32
Net Income	23.6	43.25	53.79	50.84	31.8	-51.36
Net Income to Common	23.6	43.25	53.79	50.84	31.8	-51.36
Net Income Growth	-41.31%	-19.60%	5.80%	59.89%	-	-
Shares Outstanding (Basic)	30	30	30	30	30	19
Shares Outstanding (Diluted)	30	30	30	30	30	19
Shares Change (YoY)	-	-	-	-	58.44%	26.23%
EPS (Basic)	0.79	1.44	1.79	1.69	1.06	-2.71
EPS (Diluted)	0.79	1.44	1.79	1.69	1.06	-2.71
EPS Growth	-41.31%	-19.60%	5.80%	59.89%	-	-
Free Cash Flow	-87.62	-42	95.03	199.37	34.79	-565.93
Free Cash Flow Per Share	-2.92	-1.40	3.17	6.65	1.16	-29.89
Operating Margin	16.64%	29.24%	32.51%	34.89%	34.14%	-153.46%
Profit Margin	13.53%	26.58%	31.24%	34.89%	25.57%	-255.72%
Free Cash Flow Margin	-50.23%	-25.82%	55.18%	136.85%	27.98%	-2817.50%
Effective Tax Rate	27.86%	18.28%	14.68%	15.84%	27.24%	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.