AL-MANAR FINANCING AND LEASING CO KSCP

Al Manar Financing & Leasing Company K.S.C.

ALMANARStocksBoursa KuwaitDiversified Financials

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	5.58M	4.25M	4.90M	—	2.72M
Operating Income	2.88M	1.46M	1.03M	1.56M	1.40M
Pretax Income	2.96M	1.69M	2.41M	1.58M	1.37M
Income Tax	25.59K	13.90K	25.27K	15.11K	11.36K
Net Income	2.70M	1.41M	1.88M	1.57M	1.36M
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
DPS	0.00	0.00	0.00	0.00	—
Margins & Efficiency
Net Margin %	+48.5%	+33.2%	+38.4%	—	+50.2%
Revenue & Income
Revenue as Reported	5.58M	4.25M	4.90M	—	2.72M
Revenue Fin	3.30M	2.74M	2.40M	2.79M	3.14M
Revenue Growth (YoY)	+20.4%	+14.0%	-13.7%	-11.4%	—
Revenues Before Loan Losses	3.26M	2.74M	2.52M	1.74M	2.54M
Other Revenue Fin	1.35M	1.30M	0.81M	0.44M	0.40M
Gain Invest Rev Fin	440.17K	269.09K	363.10K	-131.92K	313.26K
Expenses & Provisions
Other Operating Expenses	-263.85K	540.41K	618.23K	488.69K	806.87K
Total Operating Expenses Fin	0.42M	1.28M	1.38M	1.23M	1.74M
Provision for Loan Losses	-0.03M	-0.00M	0.12M	-1.05M	-0.61M
Salaries and Employee Benefits	686.41K	738.67K	761.17K	740.46K	938.10K
Profitability & Returns
EBT Excluding Unusual Items	2.88M	1.46M	1.03M	1.56M	1.40M
Pretax Income	2.96M	1.69M	2.41M	1.58M	1.37M
Operating Income	2.88M	1.46M	1.03M	1.56M	1.40M
Operating Margin	+87.2%	+53.3%	+42.6%	+55.9%	+44.5%
Profit Margin	+82.0%	+51.4%	+78.3%	+56.2%	+43.3%
Net Income	2.70M	1.41M	1.88M	1.57M	1.36M
Net Income to Common	2.70M	1.41M	1.88M	1.57M	1.36M
Net Income Growth	+91.9%	-25.2%	+20.2%	+15.0%	—
Earnings From Continuing Ops.	2.93M	1.67M	2.38M	1.57M	1.36M
Minority Interest in Earnings	-229.43K	-263.48K	-499.82K	—	—
Income Tax Expense	25.59K	13.90K	25.27K	15.11K	11.36K
Effective Tax Rate	+0.9%	+0.8%	+1.0%	+1.0%	+0.8%
Per Share & Capital
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
EPS Growth	+93.9%	-24.9%	+29.1%	+7.0%	—
Dividend Per Share	0.00	0.00	0.00	0.00	—
Shares Change (YoY)	-0.01	-0	-0.07	0.08	-0
Shares Outstanding (Basic)	260.10M	262.79M	263.75M	283.47M	263.69M
Shares Outstanding (Diluted)	260.10M	262.79M	263.75M	283.47M	263.69M
Dividend Growth	+33.3%	—	—	—	—
Payout Ratio	+28.2%	+55.6%	+40.4%	+1.9%	+2.4%
Supplemental
Int Exp Fin	1.02M	1.01M	0.78M	0.28M	0.18M
Int Inc Fin	2.50M	2.18M	2.13M	1.71M	2.00M
Net Int Inc Fin	1.48M	1.17M	1.35M	1.43M	1.83M
Other Unusual Items	-0.02M	0.02M	1.48M	-0.01M	-0.00M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operating Summary
Revenue	5.58M	4.25M	4.90M	—	2.72M
Operating Income	2.88M	1.46M	1.03M	1.56M	1.40M
Pretax Income	2.96M	1.69M	2.41M	1.58M	1.37M
Income Tax	25.59K	13.90K	25.27K	15.11K	11.36K
Net Income	2.70M	1.41M	1.88M	1.57M	1.36M
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
DPS	0.00	0.00	0.00	0.00	—
Margins & Efficiency
Net Margin %	+48.5%	+33.2%	+38.4%	—	+50.2%
Revenue & Income
Revenue as Reported	5.58M	4.25M	4.90M	—	2.72M
Revenue Fin	3.30M	2.74M	2.40M	2.79M	3.14M
Revenue Growth (YoY)	+20.4%	+14.0%	-13.7%	-11.4%	—
Revenues Before Loan Losses	3.26M	2.74M	2.52M	1.74M	2.54M
Other Revenue Fin	1.35M	1.30M	0.81M	0.44M	0.40M
Gain Invest Rev Fin	440.17K	269.09K	363.10K	-131.92K	313.26K
Expenses & Provisions
Other Operating Expenses	-263.85K	540.41K	618.23K	488.69K	806.87K
Total Operating Expenses Fin	0.42M	1.28M	1.38M	1.23M	1.74M
Provision for Loan Losses	-0.03M	-0.00M	0.12M	-1.05M	-0.61M
Salaries and Employee Benefits	686.41K	738.67K	761.17K	740.46K	938.10K
Profitability & Returns
EBT Excluding Unusual Items	2.88M	1.46M	1.03M	1.56M	1.40M
Pretax Income	2.96M	1.69M	2.41M	1.58M	1.37M
Operating Income	2.88M	1.46M	1.03M	1.56M	1.40M
Operating Margin	+87.2%	+53.3%	+42.6%	+55.9%	+44.5%
Profit Margin	+82.0%	+51.4%	+78.3%	+56.2%	+43.3%
Net Income	2.70M	1.41M	1.88M	1.57M	1.36M
Net Income to Common	2.70M	1.41M	1.88M	1.57M	1.36M
Net Income Growth	+91.9%	-25.2%	+20.2%	+15.0%	—
Earnings From Continuing Ops.	2.93M	1.67M	2.38M	1.57M	1.36M
Minority Interest in Earnings	-229.43K	-263.48K	-499.82K	—	—
Income Tax Expense	25.59K	13.90K	25.27K	15.11K	11.36K
Effective Tax Rate	+0.9%	+0.8%	+1.0%	+1.0%	+0.8%
Per Share & Capital
EPS (Basic)	0.01	0.01	0.01	0.01	0.01
EPS (Diluted)	0.01	0.01	0.01	0.01	0.01
EPS Growth	+93.9%	-24.9%	+29.1%	+7.0%	—
Dividend Per Share	0.00	0.00	0.00	0.00	—
Shares Change (YoY)	-0.01	-0	-0.07	0.08	-0
Shares Outstanding (Basic)	260.10M	262.79M	263.75M	283.47M	263.69M
Shares Outstanding (Diluted)	260.10M	262.79M	263.75M	283.47M	263.69M
Dividend Growth	+33.3%	—	—	—	—
Payout Ratio	+28.2%	+55.6%	+40.4%	+1.9%	+2.4%
Supplemental
Int Exp Fin	1.02M	1.01M	0.78M	0.28M	0.18M
Int Inc Fin	2.50M	2.18M	2.13M	1.71M	2.00M
Net Int Inc Fin	1.48M	1.17M	1.35M	1.43M	1.83M
Other Unusual Items	-0.02M	0.02M	1.48M	-0.01M	-0.00M