Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual (USD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-875.46M	-91.29M	14.18M	-291.14M	265.00M
Free Cash Flow	-916.77M	-168.28M	-19.35M	-291.14M	219.23M
Capital Expenditures	-41.31M	-77.00M	-33.53M	—	-45.77M
Investing & Financing
Investing Cash Flow	507.56M	47.91M	-221.68M	-75.28M	-480.35M
Financing Cash Flow	461.78M	223.61M	209.71M	162.76M	131.46M
Operating Activities
Operating Cash Flow	-875.46M	-91.29M	14.18M	-291.14M	265.00M
Net Income	1.12M	10.46M	-9.31M	-38.39M	38.60M
Change in Other Net Operating Assets	-538.09M	247.26M	314.58M	-62.73M	328.59M
Net Increase (Decrease) in Deposit Accounts	477.25M	236.63M	220.74M	177.38M	147.88M
Other Operating Activities	-365.86M	-418.59M	-331.42M	-216.48M	-125.46M
Provision for Credit Losses	5.26M	29.91M	14.50M	8.82M	23.62M
Depreciation & Amortization	27.53M	22.13M	19.33M	22.67M	16.66M
Cash Income Tax Paid	129.84M	58.71M	62.79M	53.52M	42.32M
Net Cash from Discontinued Operations	—	—	—	-15.59M	29.72M
Loss (Gain) on Equity Investments	2.88M	6.93M	2.43M	—	8.60M
Total Asset Writedown	0.53M	10.91M	0.20M	7.93M	-58.41M
Investing Activities
Investing Cash Flow	507.56M	47.91M	-221.68M	-75.28M	-480.35M
Capital Expenditures	-41.31M	-77.00M	-33.53M	—	-45.77M
Investment in Securities	548.87M	124.90M	-188.16M	-104.63M	-456.85M
Other Investing Activities	—	—	—	20.71M	20.14M
Sale of Property, Plant and Equipment	—	—	—	8.64M	—
Gain (Loss) on Sale of Assets	-2.22M	-0.16M	-0.08M	-0.26M	-1.58M
Gain (Loss) on Sale of Investments	-6.60M	-0.14M	3.95M	2.89M	4.67M
Financing Activities
Financing Cash Flow	461.78M	223.61M	209.71M	162.76M	131.46M
Long-Term Debt Repaid	-15.48M	-13.02M	-11.03M	-14.63M	-16.42M
Net Debt Issued (Repaid)	-15.48M	-13.02M	-11.03M	-14.63M	-16.42M
Free Cash Flow & Returns
Free Cash Flow	-916.77M	-168.28M	-19.35M	-291.14M	219.23M
Free Cash Flow Growth	—	—	—	—	-23.7%
Free Cash Flow Margin	-244.2%	-47.3%	-7.3%	-95.0%	+69.8%
Free Cash Flow Per Share	-0.32	-0.06	-0.01	-0.10	0.08
Operating Cash Flow Growth	—	—	—	—	-10.9%
Net Cash Flow	85.61M	180.66M	-7.12M	-279.59M	-132.76M
Foreign Exchange Rate Adjustments	-8.26M	0.43M	-9.33M	-75.93M	-48.87M

Ithmaar Holding

Ithmaar Holding BSC

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Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

USD AED

Annual (USD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-875.46M	-91.29M	14.18M	-291.14M	265.00M
Free Cash Flow	-916.77M	-168.28M	-19.35M	-291.14M	219.23M
Capital Expenditures	-41.31M	-77.00M	-33.53M	—	-45.77M
Investing & Financing
Investing Cash Flow	507.56M	47.91M	-221.68M	-75.28M	-480.35M
Financing Cash Flow	461.78M	223.61M	209.71M	162.76M	131.46M
Operating Activities
Operating Cash Flow	-875.46M	-91.29M	14.18M	-291.14M	265.00M
Net Income	1.12M	10.46M	-9.31M	-38.39M	38.60M
Change in Other Net Operating Assets	-538.09M	247.26M	314.58M	-62.73M	328.59M
Net Increase (Decrease) in Deposit Accounts	477.25M	236.63M	220.74M	177.38M	147.88M
Other Operating Activities	-365.86M	-418.59M	-331.42M	-216.48M	-125.46M
Provision for Credit Losses	5.26M	29.91M	14.50M	8.82M	23.62M
Depreciation & Amortization	27.53M	22.13M	19.33M	22.67M	16.66M
Cash Income Tax Paid	129.84M	58.71M	62.79M	53.52M	42.32M
Net Cash from Discontinued Operations	—	—	—	-15.59M	29.72M
Loss (Gain) on Equity Investments	2.88M	6.93M	2.43M	—	8.60M
Total Asset Writedown	0.53M	10.91M	0.20M	7.93M	-58.41M
Investing Activities
Investing Cash Flow	507.56M	47.91M	-221.68M	-75.28M	-480.35M
Capital Expenditures	-41.31M	-77.00M	-33.53M	—	-45.77M
Investment in Securities	548.87M	124.90M	-188.16M	-104.63M	-456.85M
Other Investing Activities	—	—	—	20.71M	20.14M
Sale of Property, Plant and Equipment	—	—	—	8.64M	—
Gain (Loss) on Sale of Assets	-2.22M	-0.16M	-0.08M	-0.26M	-1.58M
Gain (Loss) on Sale of Investments	-6.60M	-0.14M	3.95M	2.89M	4.67M
Financing Activities
Financing Cash Flow	461.78M	223.61M	209.71M	162.76M	131.46M
Long-Term Debt Repaid	-15.48M	-13.02M	-11.03M	-14.63M	-16.42M
Net Debt Issued (Repaid)	-15.48M	-13.02M	-11.03M	-14.63M	-16.42M
Free Cash Flow & Returns
Free Cash Flow	-916.77M	-168.28M	-19.35M	-291.14M	219.23M
Free Cash Flow Growth	—	—	—	—	-23.7%
Free Cash Flow Margin	-244.2%	-47.3%	-7.3%	-95.0%	+69.8%
Free Cash Flow Per Share	-0.32	-0.06	-0.01	-0.10	0.08
Operating Cash Flow Growth	—	—	—	—	-10.9%
Net Cash Flow	85.61M	180.66M	-7.12M	-279.59M	-132.76M
Foreign Exchange Rate Adjustments	-8.26M	0.43M	-9.33M	-75.93M	-48.87M