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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	261	259.32	187.35	187.61	169.87	171
Total Interest Expense	40.1	36.75	15.22	8.9	14.43	18.99
Net Interest Income	220.9	222.57	172.13	178.71	155.44	152.02
Revenue Before Loan Losses	221.73	222.57	172.13	178.71	155.44	154.99
Provision for Loan Losses	86.89	87.3	28.27	6.51	9.76	30.64
Revenue	134.84	135.27	143.86	172.2	145.69	124.34
Revenue Growth (YoY)	-7.05%	-5.97%	-16.45%	18.20%	17.17%	519.04%
Salaries & Employee Benefits	33.01	33.94	35.99	39.91	41.69	38.95
Cost of Services Provided	96.09	96.44	60.31	75.83	47.46	37.35
Other Operating Expenses	-0.44	-	-	0.47	5.7	5.6
Total Operating Expenses	128.65	130.38	96.29	116.21	94.85	81.89
Operating Income	6.19	4.89	47.57	55.99	50.83	42.45
EBT Excluding Unusual Items	11.45	10.15	52.92	63.04	59.73	50.62
Other Unusual Items	-	-	-	-	0.68	-6.92
Pretax Income	11.45	10.15	52.92	63.04	60.41	43.7
Income Tax Expense	2.25	2.03	9.67	9.26	9.57	11.91
Net Income	9.2	8.12	43.25	53.79	50.84	31.8
Net Income to Common	9.2	8.12	43.25	53.79	50.84	31.8
Net Income Growth	-76.56%	-81.23%	-19.60%	5.80%	59.89%	-
Shares Outstanding (Basic)	30	30	30	30	30	30
Shares Outstanding (Diluted)	30	30	30	30	30	30
Shares Change (YoY)	0.09%	-	-	-	-	58.44%
EPS (Basic)	0.31	0.27	1.44	1.79	1.69	1.06
EPS (Diluted)	0.31	0.27	1.44	1.79	1.69	1.06
EPS Growth	-76.58%	-81.23%	-19.60%	5.80%	59.89%	-
Free Cash Flow	-6.67	-37.02	-42	95.03	199.37	34.79
Free Cash Flow Per Share	-0.22	-1.23	-1.40	3.17	6.65	1.16
Operating Margin	4.59%	3.61%	33.07%	32.51%	34.89%	34.14%
Profit Margin	6.82%	6.00%	30.06%	31.24%	34.89%	25.57%
Free Cash Flow Margin	-4.95%	-27.37%	-29.20%	55.18%	136.85%	27.98%
Effective Tax Rate	19.65%	20.00%	18.28%	14.68%	15.84%	27.24%

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