ARZAN FINANCIAL GROUP FOR FINANCING AND INVESTMENT

Arzan Financial Group for Financing and Investment (KPSC)

ARZANStocksBoursa KuwaitDiversified Financials

Financials

1-5

	CurrentMar 10, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Market & Price
Market Capitalization	331.43M	300.89M	337.14M	323.55M	251.35M
Market Cap Growth	+30.9%	+18.6%	+47.4%	+82.0%	+60.0%
Last Close Price	0.35	0.31	0.35	0.34	0.26
Valuation Multiples
PE Ratio	20.12	12.52	10.95	11.48	9.77
PS Ratio	11.46	8.20	7.92	8.58	7.34
PB Ratio	1.19	1.08	1.12	1.13	0.96
P/TBV Ratio	1.55	1.41	1.51	1.51	1.29
P/FCF Ratio	465.48	422.58	—	—	-11.52
P/OCF Ratio	—	-76.87	—	—	—
Leverage & Capital
Debt / Equity Ratio	0.25	0.25	0.23	0.23	0.24
Debt / FCF Ratio	97.24	97.24	—	—	-2.83
Net Debt / Equity Ratio	0.18	0.18	0.18	0.15	0.12
Net Debt / FCF Ratio	70.76	70.76	-6.37	-3.10	-1.47
Efficiency & Liquidity
Asset Turnover	0.11	0.08	0.15	0.08	0.22
Quick Ratio	0.82	0.82	0.70	0.80	1.20
Current Ratio	1.32	1.32	1.25	1.42	1.82
Returns & Yields
Return on Equity (ROE)	+10.6%	+5.1%	+15.6%	+6.0%	+23.6%
Return on Assets (ROA)	+8.2%	+4.0%	+12.1%	+4.7%	+19.0%
Return on Invested Capital (ROIC)	+2.2%	+1.0%	+3.2%	+1.3%	+5.0%
Earnings Yield	+5.0%	+8.0%	+9.1%	+8.7%	+10.2%
FCF Yield	+0.2%	+0.2%	-2.5%	-4.2%	-8.7%
Dividend Yield	+0.6%	—	+0.5%	—	—
Payout Ratio	+15.6%	0.0%	+0.1%	0.0%	+103.7%
Buyback Yield / Dilution	-0.9%	+0.1%	+0.1%	-1.8%	-2.0%
Total Shareholder Return	-0.3%	+0.1%	+0.7%	-1.8%	-2.0%

1-5

	CurrentMar 10, 2026	Q1 2026Mar 31, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025
Market & Price
Market Capitalization	331.43M	300.89M	337.14M	323.55M	251.35M
Market Cap Growth	+30.9%	+18.6%	+47.4%	+82.0%	+60.0%
Last Close Price	0.35	0.31	0.35	0.34	0.26
Valuation Multiples
PE Ratio	20.12	12.52	10.95	11.48	9.77
PS Ratio	11.46	8.20	7.92	8.58	7.34
PB Ratio	1.19	1.08	1.12	1.13	0.96
P/TBV Ratio	1.55	1.41	1.51	1.51	1.29
P/FCF Ratio	465.48	422.58	—	—	-11.52
P/OCF Ratio	—	-76.87	—	—	—
Leverage & Capital
Debt / Equity Ratio	0.25	0.25	0.23	0.23	0.24
Debt / FCF Ratio	97.24	97.24	—	—	-2.83
Net Debt / Equity Ratio	0.18	0.18	0.18	0.15	0.12
Net Debt / FCF Ratio	70.76	70.76	-6.37	-3.10	-1.47
Efficiency & Liquidity
Asset Turnover	0.11	0.08	0.15	0.08	0.22
Quick Ratio	0.82	0.82	0.70	0.80	1.20
Current Ratio	1.32	1.32	1.25	1.42	1.82
Returns & Yields
Return on Equity (ROE)	+10.6%	+5.1%	+15.6%	+6.0%	+23.6%
Return on Assets (ROA)	+8.2%	+4.0%	+12.1%	+4.7%	+19.0%
Return on Invested Capital (ROIC)	+2.2%	+1.0%	+3.2%	+1.3%	+5.0%
Earnings Yield	+5.0%	+8.0%	+9.1%	+8.7%	+10.2%
FCF Yield	+0.2%	+0.2%	-2.5%	-4.2%	-8.7%
Dividend Yield	+0.6%	—	+0.5%	—	—
Payout Ratio	+15.6%	0.0%	+0.1%	0.0%	+103.7%
Buyback Yield / Dilution	-0.9%	+0.1%	+0.1%	-1.8%	-2.0%
Total Shareholder Return	-0.3%	+0.1%	+0.7%	-1.8%	-2.0%