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
Operating Summary
Revenue	1.60M	1.22M	0.87M	0.23M	1.31M
Interest Expense	-14.76K	—	—	—	—
Pretax Income	0.87M	0.50M	1.15M	-0.24M	3.50M
Income Tax	8.24K	4.79K	11.34K	—	13.03K
Net Income	0.86M	0.50M	1.13M	-0.24M	3.49M
Rental Revenue	865.73K	603.67K	538.43K	521.08K	510.24K
Property Expenses	77.34K	61.48K	55.75K	49.20K	55.40K
Operating Income	682.57K	342.11K	43.91K	-417.88K	791.94K
EPS (Basic)	0.00	0.00	0.01	-0.00	0.02
EPS (Diluted)	0.00	0.00	0.01	-0.00	0.02
DPS	—	0.00	—	—	—
Margins & Efficiency
Net Margin %	+53.8%	+40.6%	+130.9%	-101.8%	+266.2%
Revenue & Income
Revenue as Reported	1.80M	1.39M	1.98M	0.41M	4.41M
Revenue Growth (YoY)	+30.5%	+41.0%	+270.8%	-82.2%	+63.3%
Revenue RE	1.60M	1.22M	0.87M	0.23M	1.31M
Rental Revenue	865.73K	603.67K	538.43K	521.08K	510.24K
Other Revenue RE	22.62K	2.16K	2.95K	29.48K	79.60K
Gain Assets Rev Real Estate	—	—	—	-70.00K	—
Gain Investments Rev Real Estate	301.04K	260.95K	9.01K	-435.13K	513.83K
Currency Exchange Gain (Loss)	—	—	—	-0.81K	-3.77K
Expenses & Provisions
SG&A RE	174.70K	183.74K	218.68K	156.08K	149.03K
Total Operating Expenses RE	912.64K	880.58K	823.05K	651.70K	519.46K
Interest Expense RE	-14.76K	—	—	—	—
Other Non Oper Exp Suppl RE	-8.05K	-4.66K	-8.61K	—	—
Property Expenses	77.34K	61.48K	55.75K	49.20K	55.40K
Provision For Loan Losses	-15.73K	-9.86K	-0.76K	-1.62K	289.40K
Legal Settlements RE	—	—	735.76K	—	-91.00K
Asset Writedown	0.21M	0.16M	0.37M	0.18M	2.81M
D&A For EBITDA	43.80K	30.07K	9.19K	5.70K	3.65K
Dep Amor RE	43.80K	30.07K	9.19K	5.70K	3.65K
Profitability & Returns
EBIT	682.57K	342.11K	43.91K	-417.88K	791.94K
EBIT Margin	+42.8%	+28.0%	+5.1%	-178.7%	+60.4%
EBITDA	726.37K	372.18K	53.10K	-412.18K	795.59K
EBITDA Margin	+45.5%	+30.4%	+6.1%	-176.3%	+60.7%
EBT Excl RE	659.76K	337.44K	35.30K	-418.69K	788.17K
Pretax Income	0.87M	0.50M	1.15M	-0.24M	3.50M
Operating Income RE	682.57K	342.11K	43.91K	-417.88K	791.94K
Operating Margin	+42.8%	+28.0%	+5.1%	-178.7%	+60.4%
Profit Margin	+53.8%	+40.6%	+130.9%	-101.8%	+266.2%
Net Income	0.86M	0.50M	1.13M	-0.24M	3.49M
Net Income to Common	0.86M	0.50M	1.13M	-0.24M	3.49M
Net Income Growth	+72.7%	-56.2%	—	—	+5,902.8%
Earnings From Continuing Ops.	0.86M	0.50M	1.13M	-0.24M	3.49M
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	8.24K	4.79K	11.34K	—	13.03K
Effective Tax Rate	+1.0%	+1.0%	+1.0%	—	+0.4%
Net Interest Expense RE	-14.76K	—	—	—	—
Per Share & Capital
EPS (Basic)	0.00	0.00	0.01	-0.00	0.02
EPS (Diluted)	0.00	0.00	0.01	-0.00	0.02
EPS Growth	+72.7%	-56.2%	—	—	+5,920.5%
Dividend Per Share	—	0.00	—	—	—
Shares Outstanding (Basic)	195.23M	195.23M	195.23M	195.23M	195.23M
Shares Outstanding (Diluted)	195.23M	195.23M	195.23M	195.23M	195.23M
Payout Ratio	+68.3%	—	—	—	—
Supplemental
Other Operating Expenses RE	601.07K	595.42K	538.67K	439.10K	600.78K

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
Operating Summary
Revenue	1.60M	1.22M	0.87M	0.23M	1.31M
Interest Expense	-14.76K	—	—	—	—
Pretax Income	0.87M	0.50M	1.15M	-0.24M	3.50M
Income Tax	8.24K	4.79K	11.34K	—	13.03K
Net Income	0.86M	0.50M	1.13M	-0.24M	3.49M
Rental Revenue	865.73K	603.67K	538.43K	521.08K	510.24K
Property Expenses	77.34K	61.48K	55.75K	49.20K	55.40K
Operating Income	682.57K	342.11K	43.91K	-417.88K	791.94K
EPS (Basic)	0.00	0.00	0.01	-0.00	0.02
EPS (Diluted)	0.00	0.00	0.01	-0.00	0.02
DPS	—	0.00	—	—	—
Margins & Efficiency
Net Margin %	+53.8%	+40.6%	+130.9%	-101.8%	+266.2%
Revenue & Income
Revenue as Reported	1.80M	1.39M	1.98M	0.41M	4.41M
Revenue Growth (YoY)	+30.5%	+41.0%	+270.8%	-82.2%	+63.3%
Revenue RE	1.60M	1.22M	0.87M	0.23M	1.31M
Rental Revenue	865.73K	603.67K	538.43K	521.08K	510.24K
Other Revenue RE	22.62K	2.16K	2.95K	29.48K	79.60K
Gain Assets Rev Real Estate	—	—	—	-70.00K	—
Gain Investments Rev Real Estate	301.04K	260.95K	9.01K	-435.13K	513.83K
Currency Exchange Gain (Loss)	—	—	—	-0.81K	-3.77K
Expenses & Provisions
SG&A RE	174.70K	183.74K	218.68K	156.08K	149.03K
Total Operating Expenses RE	912.64K	880.58K	823.05K	651.70K	519.46K
Interest Expense RE	-14.76K	—	—	—	—
Other Non Oper Exp Suppl RE	-8.05K	-4.66K	-8.61K	—	—
Property Expenses	77.34K	61.48K	55.75K	49.20K	55.40K
Provision For Loan Losses	-15.73K	-9.86K	-0.76K	-1.62K	289.40K
Legal Settlements RE	—	—	735.76K	—	-91.00K
Asset Writedown	0.21M	0.16M	0.37M	0.18M	2.81M
D&A For EBITDA	43.80K	30.07K	9.19K	5.70K	3.65K
Dep Amor RE	43.80K	30.07K	9.19K	5.70K	3.65K
Profitability & Returns
EBIT	682.57K	342.11K	43.91K	-417.88K	791.94K
EBIT Margin	+42.8%	+28.0%	+5.1%	-178.7%	+60.4%
EBITDA	726.37K	372.18K	53.10K	-412.18K	795.59K
EBITDA Margin	+45.5%	+30.4%	+6.1%	-176.3%	+60.7%
EBT Excl RE	659.76K	337.44K	35.30K	-418.69K	788.17K
Pretax Income	0.87M	0.50M	1.15M	-0.24M	3.50M
Operating Income RE	682.57K	342.11K	43.91K	-417.88K	791.94K
Operating Margin	+42.8%	+28.0%	+5.1%	-178.7%	+60.4%
Profit Margin	+53.8%	+40.6%	+130.9%	-101.8%	+266.2%
Net Income	0.86M	0.50M	1.13M	-0.24M	3.49M
Net Income to Common	0.86M	0.50M	1.13M	-0.24M	3.49M
Net Income Growth	+72.7%	-56.2%	—	—	+5,902.8%
Earnings From Continuing Ops.	0.86M	0.50M	1.13M	-0.24M	3.49M
Minority Interest in Earnings	—	—	—	—	—
Income Tax Expense	8.24K	4.79K	11.34K	—	13.03K
Effective Tax Rate	+1.0%	+1.0%	+1.0%	—	+0.4%
Net Interest Expense RE	-14.76K	—	—	—	—
Per Share & Capital
EPS (Basic)	0.00	0.00	0.01	-0.00	0.02
EPS (Diluted)	0.00	0.00	0.01	-0.00	0.02
EPS Growth	+72.7%	-56.2%	—	—	+5,920.5%
Dividend Per Share	—	0.00	—	—	—
Shares Outstanding (Basic)	195.23M	195.23M	195.23M	195.23M	195.23M
Shares Outstanding (Diluted)	195.23M	195.23M	195.23M	195.23M	195.23M
Payout Ratio	+68.3%	—	—	—	—
Supplemental
Other Operating Expenses RE	601.07K	595.42K	538.67K	439.10K	600.78K