ARZAN FINANCIAL GROUP FOR FINANCING AND INVESTMENT

Arzan Financial Group for Financing and Investment (KPSC)

ARZANStocksBoursa KuwaitDiversified Financials

Financials

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	351.64M	337.14M	323.55M	251.35M	253.76M
Market Cap Growth	+49.3%	+47.4%	+82.0%	+60.0%	+60.7%
Last Close Price	0.39	0.37	0.36	0.28	0.28
Valuation Multiples
PE Ratio	15.15	14.51	15.68	13.84	14.73
PS Ratio	10.11	9.69	10.80	9.49	10.18
PB Ratio	1.17	1.12	1.13	0.96	1.01
P/TBV Ratio	1.57	1.51	1.51	1.29	1.34
P/FCF Ratio	—	—	—	-11.52	—
P/OCF Ratio	—	—	—	—	—
Leverage & Capital
Debt / Equity Ratio	0.23	0.23	0.23	0.24	0.19
Debt / FCF Ratio	—	—	—	-2.83	—
Net Debt / Equity Ratio	0.18	0.18	0.15	0.12	0.13
Net Debt / FCF Ratio	-6.37	-6.37	-3.10	-1.47	-1.23
Efficiency & Liquidity
Asset Turnover	0.08	0.15	0.08	0.11	0.04
Quick Ratio	0.70	0.70	0.80	1.20	0.78
Current Ratio	1.25	1.25	1.42	1.82	1.45
Returns & Yields
Return on Equity (ROE)	+5.1%	+15.6%	+6.0%	+10.7%	+2.2%
Return on Assets (ROA)	+4.0%	+12.1%	+4.7%	+8.6%	+1.8%
Return on Invested Capital (ROIC)	+1.0%	+3.2%	+1.3%	+2.2%	+0.5%
Earnings Yield	+6.6%	+6.9%	+6.4%	+7.2%	+6.8%
FCF Yield	-2.4%	-2.5%	-4.2%	-8.7%	-10.2%
Dividend Yield	+0.5%	+0.5%	—	—	—
Payout Ratio	+11.1%	+0.1%	0.0%	+103.7%	+0.1%
Buyback Yield / Dilution	-1.3%	+0.1%	-1.8%	-2.0%	-1.7%
Total Shareholder Return	-0.8%	+0.7%	-1.8%	-2.0%	-1.7%

1-5

	CurrentMar 10, 2026	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025
Market & Price
Market Capitalization	351.64M	337.14M	323.55M	251.35M	253.76M
Market Cap Growth	+49.3%	+47.4%	+82.0%	+60.0%	+60.7%
Last Close Price	0.39	0.37	0.36	0.28	0.28
Valuation Multiples
PE Ratio	15.15	14.51	15.68	13.84	14.73
PS Ratio	10.11	9.69	10.80	9.49	10.18
PB Ratio	1.17	1.12	1.13	0.96	1.01
P/TBV Ratio	1.57	1.51	1.51	1.29	1.34
P/FCF Ratio	—	—	—	-11.52	—
P/OCF Ratio	—	—	—	—	—
Leverage & Capital
Debt / Equity Ratio	0.23	0.23	0.23	0.24	0.19
Debt / FCF Ratio	—	—	—	-2.83	—
Net Debt / Equity Ratio	0.18	0.18	0.15	0.12	0.13
Net Debt / FCF Ratio	-6.37	-6.37	-3.10	-1.47	-1.23
Efficiency & Liquidity
Asset Turnover	0.08	0.15	0.08	0.11	0.04
Quick Ratio	0.70	0.70	0.80	1.20	0.78
Current Ratio	1.25	1.25	1.42	1.82	1.45
Returns & Yields
Return on Equity (ROE)	+5.1%	+15.6%	+6.0%	+10.7%	+2.2%
Return on Assets (ROA)	+4.0%	+12.1%	+4.7%	+8.6%	+1.8%
Return on Invested Capital (ROIC)	+1.0%	+3.2%	+1.3%	+2.2%	+0.5%
Earnings Yield	+6.6%	+6.9%	+6.4%	+7.2%	+6.8%
FCF Yield	-2.4%	-2.5%	-4.2%	-8.7%	-10.2%
Dividend Yield	+0.5%	+0.5%	—	—	—
Payout Ratio	+11.1%	+0.1%	0.0%	+103.7%	+0.1%
Buyback Yield / Dilution	-1.3%	+0.1%	-1.8%	-2.0%	-1.7%
Total Shareholder Return	-0.8%	+0.7%	-1.8%	-2.0%	-1.7%