Quara Finance Company Cash Flow 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
Net Income	8.12	43.25	53.79	50.84	31.8
Depreciation & Amortization	2.27	3.16	3.99	3.81	3.12
Other Amortization	1.83	0.88	0.39	-	-
Provision for Credit Losses	101.71	46.94	32.36	28.02	30.64
Change in Other Net Operating Assets	-145.92	-135.19	5.92	125.39	-27.37
Other Operating Activities	-0.25	5.54	5.02	-4.76	1.57
Operating Cash Flow	-32.24	-35.27	101.47	203.5	39.75
Operating Cash Flow Growth	-	-	-50.14%	411.96%	-
Capital Expenditures	-4.78	-6.73	-6.44	-4.12	-4.96
Sale of Property, Plant & Equipment	-	1.5	0.04	0.71	-
Investing Cash Flow	-4.78	-5.23	-6.4	-3.42	-4.96
Long-Term Debt Issued	362.63	188	133.75	189.93	283.38
Long-Term Debt Repaid	-238.66	-124.49	-368.44	-405.11	-239.98
Net Debt Issued (Repaid)	123.98	63.51	-234.69	-215.19	43.41
Financing Cash Flow	123.98	63.51	-234.69	-215.19	43.41
Net Cash Flow	86.95	23.01	-139.63	-15.11	78.19
Free Cash Flow	-37.02	-42	95.03	199.37	34.79
Free Cash Flow Growth	-	-	-52.34%	473.09%	-
Free Cash Flow Margin	-27.37%	-29.20%	55.18%	136.85%	27.98%
Free Cash Flow Per Share	-1.23	-1.40	3.17	6.65	1.16
Cash Interest Paid	28.38	8.15	7.5	14.99	36.1

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