AMAR FOR FINANCE AND LEASING CO.

Amar Finance & Leasing Co. KSCC

AMARStocksBoursa KuwaitReal Estate

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-1.31M	-1.16M	-0.05M	-0.46M	0.48M
Real Estate Asset Acquisitions	-7.13K	-150.31K	-102.02K	-457.63K	-858.82K
Real Estate Asset Sales	—	—	—	1.52M	—
Investing & Financing
Investing Cash Flow	3.14M	1.60M	-5.30M	5.14M	-0.15M
Dividends Paid	-585.70K	—	—	—	—
Operating Activities
Operating Cash Flow	-1.31M	-1.16M	-0.05M	-0.46M	0.48M
Net Income	0.86M	0.50M	1.13M	-0.24M	3.49M
Change Accounts Receivable RE	-10.49K	-31.27K	34.11K	-12.87K	-22.14K
Change in Working Capital	-1.63M	-1.21M	-0.05M	-0.41M	0.30M
Change Other Net Oper Assets RE	-1.62M	-1.18M	-0.09M	-0.40M	0.32M
Other Operating Activities RE	-89.78K	-61.83K	-762.11K	-139.88K	11.37K
Depreciation & Amortization	43.80K	30.07K	9.19K	5.70K	3.65K
Asset Writedown Cfre	-0.21M	-0.16M	-0.37M	-0.18M	-2.81M
Investing Activities
Investing Cash Flow	3.14M	1.60M	-5.30M	5.14M	-0.15M
Invest In Securities RE	3.05M	1.68M	-5.23M	4.13M	0.68M
Other Investing Activities RE	105.95K	89.17K	52.14K	51.57K	25.50K
Sale Real Estate Assets	—	—	—	1.52M	—
Acquisition Real Estate Assets	-7.13K	-150.31K	-102.02K	-457.63K	-858.82K
Net Sale Acquisition Real Estate Assets	-0.01M	-0.15M	-0.10M	1.06M	-0.86M
Gain Assets Cfre	—	—	—	70.00K	—
Loss (Gain) on Sale of Investments	-301.04K	-260.95K	-9.01K	435.13K	-513.83K
Financing Activities
Common Dividends Paid	-585.70K	—	—	—	—
Short-Term Debt Issued	249.38K	—	—	—	—
Total Debt Issued	249.38K	—	—	—	—
Net Debt Issued (Repaid)	249.38K	—	—	—	—
Other Financing Activities RE	-11.49K	—	—	—	—
Free Cash Flow & Returns
Levered Free Cash Flow	-1.06M	4.45M	-1.19M	-1.02M	-4.41M
Unlevered Free Cash Flow	-1.05M	4.45M	-1.19M	-1.02M	-4.41M
Operating Cash Flow Growth	—	—	—	—	-2.6%
Net Cash Flow	1.48M	0.45M	-5.35M	4.68M	0.33M

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Annual (KWD)

1-5

	2025Dec 31, 2025	2024Dec 31, 2024	2023Dec 31, 2023	2022Dec 31, 2022	2021Dec 31, 2021
Operations
Operating Cash Flow	-1.31M	-1.16M	-0.05M	-0.46M	0.48M
Real Estate Asset Acquisitions	-7.13K	-150.31K	-102.02K	-457.63K	-858.82K
Real Estate Asset Sales	—	—	—	1.52M	—
Investing & Financing
Investing Cash Flow	3.14M	1.60M	-5.30M	5.14M	-0.15M
Dividends Paid	-585.70K	—	—	—	—
Operating Activities
Operating Cash Flow	-1.31M	-1.16M	-0.05M	-0.46M	0.48M
Net Income	0.86M	0.50M	1.13M	-0.24M	3.49M
Change Accounts Receivable RE	-10.49K	-31.27K	34.11K	-12.87K	-22.14K
Change in Working Capital	-1.63M	-1.21M	-0.05M	-0.41M	0.30M
Change Other Net Oper Assets RE	-1.62M	-1.18M	-0.09M	-0.40M	0.32M
Other Operating Activities RE	-89.78K	-61.83K	-762.11K	-139.88K	11.37K
Depreciation & Amortization	43.80K	30.07K	9.19K	5.70K	3.65K
Asset Writedown Cfre	-0.21M	-0.16M	-0.37M	-0.18M	-2.81M
Investing Activities
Investing Cash Flow	3.14M	1.60M	-5.30M	5.14M	-0.15M
Invest In Securities RE	3.05M	1.68M	-5.23M	4.13M	0.68M
Other Investing Activities RE	105.95K	89.17K	52.14K	51.57K	25.50K
Sale Real Estate Assets	—	—	—	1.52M	—
Acquisition Real Estate Assets	-7.13K	-150.31K	-102.02K	-457.63K	-858.82K
Net Sale Acquisition Real Estate Assets	-0.01M	-0.15M	-0.10M	1.06M	-0.86M
Gain Assets Cfre	—	—	—	70.00K	—
Loss (Gain) on Sale of Investments	-301.04K	-260.95K	-9.01K	435.13K	-513.83K
Financing Activities
Common Dividends Paid	-585.70K	—	—	—	—
Short-Term Debt Issued	249.38K	—	—	—	—
Total Debt Issued	249.38K	—	—	—	—
Net Debt Issued (Repaid)	249.38K	—	—	—	—
Other Financing Activities RE	-11.49K	—	—	—	—
Free Cash Flow & Returns
Levered Free Cash Flow	-1.06M	4.45M	-1.19M	-1.02M	-4.41M
Unlevered Free Cash Flow	-1.05M	4.45M	-1.19M	-1.02M	-4.41M
Operating Cash Flow Growth	—	—	—	—	-2.6%
Net Cash Flow	1.48M	0.45M	-5.35M	4.68M	0.33M